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Early Childhood Facility Receives Therapeutic Play Area

Bright, broad smiles and peals of laughter emanated from the students of the St. Elizabeth Early Childhood Education and Therapeutic Centre in Santa Cruz, St Elizabeth, as they enjoyed play time in a new therapeutic play area, which was constructed courtesy of the JN Bank Member Advisory Council (MAC), in Santa Cruz.

The play area, outfitted with a monkey bar, slide, seesaw and a swing, was officially handed over to the centre on February 4. The centre caters to children with disabilities, therefore, the play area enables the youngsters to develop a higher level of interaction, through structured play, in a safe and secure environment.

Madge Sanderson, centre manager of the institution, in expressing her appreciation for the gift, underscored that the play area was important, as it facilitates the development of the children.

“We were not able to have our children playing as we would want them to, as play for them is therapy. Therefore, now that we have these equipment, they will help them in their development, balance and cognition, as well as, to build their muscles,” she said.

The centre caters to 20 students with disabilities, such as: cerebral palsy, intellectual challenges, speech defects, autism, microcephaly (a medical condition where the child is born with a small head); and hydrocephalus (a medical defect where the child is born with a large head). In addition, there are 60 additional students who benefit from home visits.

Lorna Sinclair, business relationship and sales manager for St Elizabeth at JN Bank said that due to financial challenges experienced by the institution and the need to assist students with disabilities, JN Bank MAC decided to help.

“When we visited the school, we recognised that there was a need. Yes, the students do have disabilities, however, we do not want them to be cloaked up inside every day, all day long. They needed to be outside playing and enjoying the sunlight. With the new play area, now they are more active,” she informed.

Mrs Sinclair stated that the financial institution also engaged community members, not only through the provision of financial services, but also by investing and building the communities and having an enabling presence in the communities.

Children between the ages of one to 16 years are enrolled at the centre and they are from the communities of Santa Cruz, Burnt Savanna; Knoxwood, Pepper, Goshen Middle Quarters, Waterloo Community and New Market.

Established in 2006, the centre initially started doing home visits to children who resided in nearby communities, who were physically challenged. Ms Sanderson informed that this approach to therapy was not productive, therefore, the administration recognised that more contact time was needed with the youngsters.

Eventually, a school offered services for three days per week and since November last year, it has been operating five days per week due to additional funding.

The JN Bank MAC, formerly known as the “Branch Advisory Councils,” were established in 2006, to provide JN members with the opportunity to engage directly in the identification and selection of projects to positively impact negative issues in their communities.
Over the years, the MACs have implemented numerous worthy projects in communities across the country. With the establishment of the JN Circle, the activities of the MAC will now be subsumed into the JN Circle, a national network of service clubs. The new entities are empowered by The Jamaica National Group to advocate for change and strengthen the communities in which its bank and other JN corporate entities are located.

Contact:  Dionne Rose l JN Corporate Communications l JN Bank

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Pinching Pennies During A Crisis – JN Manager Advises Jamaicans To Spend Wisely Amid COVID-19 Pandemic

LIKE MANY Jamaicans, Millicent Powell*, a resident of Eight Miles in Bull Bay, St Andrew, is already feeling the economic crunch brought on by the ongoing restrictions on movement and social gatherings, due to the COVID-19 (coronavirus) pandemic.

The 60-year-old practical nurse, who provides geriatric care, has been out of work for almost two weeks.

“I lost my job without any warning. The day after the Government announced that Bull Bay would be placed under quarantine, I received a call from the wife of the elderly man I was taking care of. She just told me not to come back to work until further notice,” Powell informed.

“I was laid off without any pay or any surety that I would get my job back. It has been a devastating blow, because I honestly didn’t have much savings; and the small amount I had has already dried up,” she stated.

The mother of two, who has been the sole breadwinner for her family since her husband died a few years ago, said her bills have been piling up.

“Right now, it comes down to eating or paying my bills. My JPS (Jamaica Public Service) bill was due on the 21st of March and I couldn’t afford to pay it. My cooking gas is running low, and we will soon be out of toiletries,” she related.

Powell is, however, grateful to the Government for the weekly food supply they have been providing to the residents of Bull Bay since the quarantine was declared.

“It has been a big help for many of us,” she said. However, the Clarendon native is hoping that things will turn around soon, as she is uncertain how long she can survive under the enormous weight of the COVID-19 outbreak.

Rose Miller, head of the JN BeWi$e financial empowerment programme, said, unfortunately, Powell’s situation reflects the experience of many Jamaicans.

HAND-TO-MOUTH
“Many of our hairdressers, barbers, taxi drivers, farmers, vendors and tourism workers have found themselves in a similar predicament.

“The sad reality is that a majority of our population live hand to mouth, and they often have little or no savings on which they can survive during a time of crisis,” she related.

Miller, who is also grants manager at the JN Foundation, said it will take significant family and community support, the goodwill of corporate Jamaica and other entities, such as the Church, to ensure that all Jamaicans can weather this economic storm.

She also pointed out that Jamaicans will also need to become more creative to ensure that they are able to stretch the little funds they now have. The JN Foundation financial literacy expert suggested that persons consider the following tips to manage their financial resources during the coronavirus crisis.

1. Reach out to your creditors

Miller noted that the good news is that many utility and other companies are aware that some persons are experiencing financial hardships as a result of the COVID-19 restrictions.

“Some have designed programmes specifically to assist their customers during this rough time. Therefore, if you find yourself in the spot where you won’t be able to meet your financial responsibilities, it is wise to reach out to your creditors, because they may be willing to work with you until you are back on your feet,” she advised.

2. Make partial bill payments

“The truth is that many people will be forced to choose between paying their monthly bills and providing sustenance for their families,” Miller said. “If you are faced with that dilemma, you may need to prioritise your bills and make partial or minimum payments, where possible.”

3. Be creative with your meal preparation

Miller said the Jamaican idiom, ‘tun yuh han’ mek fashion,’ will come in very handy at this time. “You may need to get creative in the kitchen to ensure that every member of the family eats, and that you are able to make what you have last for some time,” she said. “Take advantage of discounts, and switch to cheaper brands, where possible.”

She noted that in some instances, persons may need to forego or reduce the amount of poultry or fish they consume in favour of more affordable alternatives, such as callaloo and cabbage or canned goods. “Other vegetables, such as carrots, peas, beans and potatoes, can also be used to stretch your chicken or beef dishes. It may also mean that you will only be able to eat two or even one substantial meal for the day instead of three big meals,” the JN manager said.

4. Listen out for opportunities of assistance

“Keep your ears to the ground so that you do not miss out on any opportunity for assistance from the Government, the Church or corporate Jamaica,” Miller recommended.

Some organisations, including financial institutions, have announced measures through which they will be providing relief or assistance to persons experiencing financial difficulties during the COVID-19 pandemic. The Government has also announced relief packages for affected groups, and some church organisations have been collecting donations to assist the most vulnerable.

Miller said persons in dire need of financial assistance should not be afraid to take advantage of any of these opportunities.

* Name changed.

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Candle in the Dark Continues to Burn for the Homeless Centre

Alethia Peart (second right), business relationship and sales manager for Mandeville presents donation cheque to Wendy Freckleton (second left), chairman of the Centre. Sharing in the moment are (from left) His Excellency Anton Ojala, New Zealand High Commissioner to Jamaica: Donovan Lennox (partially hidden), secretary of Candle in the Dark Ministries; Venessa Dillion-Hendricks, JN client relations officer; Dr. Bridgette Barrett, local coordinator New Zealand Embassy Fund and Garfield Green, Custos of Manchester.

Registered charity organisation, Candle in the Dark Care Centre, which caters to the needs of the homeless in Mandeville, Manchester and its surrounding environs, had its infrastructural capacity expanded, courtesy of the JN Bank Member Advisory Council (MAC).

Chairman of the Centre, Wendy Freckleton, said assistance was also provided by JN Fund Managers and JN Small Business Loans, member companies of The Jamaica National Group, as well as other organisations. This, she said, has allowed the charity to complete construction of the upper level of the shelter’s existing structure, which will provide a temporary dormitory during the rehabilitation of the homeless men and women who have been victims of abuse.

“Their contribution was able helped to construct the shelter, which is now almost completed,” she informed, noting that it has also been tiled and doors and rails to the shelter installed.

At the Candle in the Dark Care Centre, two meals per day are delivered to over 50 clients between the hours of 8:30 a.m. to 3:00 p.m. These persons include drug addicts, ex-convicts, the mentally challenged, the poor and the destitute.

In addition, they enjoy separate bathing facilities and are provided with a change of clothing and footwear, wherever possible. During the meals, the clients are ministered to spiritually, emotionally and mentally.

“What we are doing at Candle in the Dark Care Centre is take care of the poor, indigent and the homeless. We have fortunate to have the facility where we can serve the poor and destitute of the community,” she said.

Alethia Peart, business relationship and sales manager for Mandeville, said that JN Bank and its member companies were happy to assist the organisation.

“The Candle in the Dark Care Centre should be commended for the work it has been doing over the years in assisting the homeless. The Jamaica National Group is proud to have assisted in expanding the structure of facility. There is no doubt that it will be beneficial to the homeless,” she said.

Candle in the Dark is an organisation which was started 25 years ago by Dr Arthur Reid and his late wife, Jennifer. As ministers of religion, spiritual and emotional sustenance were included as a hallmark of the service to the homeless.

Since 2004, they have cemented the organisation’s home at Caledonia Road with a building provided by Kiwanis International after a 49-year lease-deal made with the National Land Agency.

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Hague Brings Musical ‘Peace’ to Students

 Students from Hague Primary and Infant School show off the instruments.

“Music gives a soul to the universe, wings to the mind, flight to the imagination and life to everything.” – Plato, Athenian philosopher.

That was the intention of Dameian Elvin, principal of the Hague Primary and Infant School, when he solicited the assistance of the JN Bank Member Advisory Council (MAC) to procure musical instruments for the school, which is located in Falmouth, Trelawny.

“We are located in a diverse community, hence, we have children from informal settlements and the middle class. Therefore, we believe that music would be the ultimate instrument to bridge that divide. By bringing the children into one space and showing them that life is limitless, in terms of the opportunities that music offers,” he related.

Mr Elvin said the gift was timely, as, over the past three years, his staff members have been exploring how they can improve the contributions to inspire the children, and music was one of the suggestions which emerged.

“We decided that we would go out on a limb, to determine how best we could impact the lives of our children and change their outlook in terms of music,” he said.

The principal said he was happy when JN Bank came on board and assisted the school with the initiative. The school received guitars, drums, and a xylophone, and various other instruments.

Marshalee Walcott- Lawrence (left), credit writer, JN Financial Services, Catherine Hall shakes hands with Dameian Elvin, principal of the Hague Primary and Infant School after handing over music instruments to the school in Trelawny, recently. The instruments were presented to the school under the JN Bank Member Advisory Council.

The students were ecstatic about the instruments, Mr Elvin related and he is hopeful that this intervention will assist to change their mind-set.

“Once they begin to tap into music, it is as if they will automatically begin to think and act differently; hence, we believe that this is an opportunity to touch the lives of these children,” he said.

Established in 2005, the institution has been holding its own, in terms of academics and the performing arts; and last year, was the national champion of the Petroleum Corporation of Jamaica’s Jingle Competition.

With a school population of 1,090, Hague Primary and Infant School serves the communities of Rock, Falmouth, Zion, Martha Brae and other surrounding areas.

Nina Peters, business relationship and sales manager for JN Bank Catherine Hall and Falmouth branches, said the JN Bank MAC was happy to partner with the institution.

“The Member Advisory Council, which transitioned into the JN Circle, donated musical instruments to Hague Primary and Infant School. That was indeed a feel-good moment for us here in Falmouth. Already, we are seeing success emerging from our donation to the school and the community at large; and it is our hope that music will continue to have a positive influence on their future,” she said.

The JN Bank MAC, formerly known as the “Branch Advisory Councils,” were established in 2006, to provide JN members with the opportunity to engage directly in the identification and selection of projects, to positively impact negative issues in the communities where they are located.

Over the years, the MACs implemented numerous projects in communities across the country. Today, with the establishment of the JN Circle, the activities of the MAC will be subsumed into the JN Circle, a national network of service clubs. These clubs are empowered by Jamaica National to advocate for change and strengthen the communities in which its bank and other JN corporate entities operate.

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Early Childhood Facility Receives Therapeutic Play Area

Teachers and representatives of the JN Bank Member Advisory Council watch students enjoy the swing during play time at the school.

Bright, broad smiles and peals of laughter emanated from the students of the St. Elizabeth Early Childhood Education and Therapeutic Centre in Santa Cruz, St Elizabeth, as they enjoyed play time in a new therapeutic play area, which was constructed courtesy of the JN Bank Member Advisory Council (MAC), in Santa Cruz.

The play area, outfitted with a monkey bar, slide, seesaw and a swing, was officially handed over to the centre on February 4. The centre caters to children with disabilities, therefore, the play area enables the youngsters to develop a higher level of interaction, through structured play, in a safe and secure environment.

Equipment that were donated to the school by the JN Bank Member Advisory Council.

Madge Sanderson, centre manager of the institution, in expressing her appreciation for the gift, underscored that the play area was important, as it facilitates the development of the children.

“We were not able to have our children playing as we would want them to, as play for them is therapy. Therefore, now that we have these equipment, they will help them in their development, balance and cognition, as well as, to build their muscles,” she said.

The centre caters to 20 students with disabilities, such as: cerebral palsy, intellectual challenges, speech defects, autism, microcephaly (a medical condition where the child is born with a small head); and hydrocephalus (a medical defect where the child is born with a large head). In addition, there are 60 additional students who benefit from home visits.

Lorna Sinclair, business relationship and sales manager for St Elizabeth at JN Bank said that due to financial challenges experienced by the institution and the need to assist students with disabilities, JN Bank MAC decided to help.

Lorna Sinclair (right), business relationship and sales manager for St Elizabeth at JN Bank and Madge Sanderson, centre manager of the St. Elizabeth Early Childhood Education and Therapeutic Centre in Santa Cruz, St Elizabeth enjoy play time with students at the school.

“When we visited the school, we recognised that there was a need. Yes, the students do have disabilities, however, we do not want them to be cloaked up inside every day, all day long. They needed to be outside playing and enjoying the sunlight. With the new play area, now they are more active,” she informed.

Mrs Sinclair stated that the financial institution also engaged community members, not only through the provision of financial services, but also by investing and building the communities and having an enabling presence in the communities.

Children between the ages of one to 16 years are enrolled at the centre and they are from the communities of Santa Cruz, Burnt Savanna; Knoxwood, Pepper, Goshen Middle Quarters, Waterloo Community and New Market.

Established in 2006, the centre initially started doing home visits to children who resided in nearby communities, who were physically challenged. Ms Sanderson informed that this approach to therapy was not productive, therefore, the administration recognised that more contact time was needed with the youngsters.

Eventually, a school offered services for three days per week and since November last year, it has been operating five days per week due to additional funding.

The JN Bank MAC, formerly known as the “Branch Advisory Councils,” were established in 2006, to provide JN members with the opportunity to engage directly in the identification and selection of projects to positively impact negative issues in their communities.

Over the years, the MACs have implemented numerous worthy projects in communities across the country. With the establishment of the JN Circle, the activities of the MAC will now be subsumed into the JN Circle, a national network of service clubs. The new entities are empowered by The Jamaica National Group to advocate for change and strengthen the communities in which its bank and other JN corporate entities are located.

Read more

Growth & Jobs | Help Your Children To Become Financially Literate

Rose Miller, grants manager at the JN Foundation, is recommending that parents inculcate financial awareness in their children at an early age.

“It is essential for raising a child,” she insisted. “Teaching children how to become financially aware at an early age will help to develop in them good money-management skills and other habits which will help them throughout their lives”.

The JN grants manager, who has responsibility for the foundation’s BeWise financial empowerment programme, posits that from an early age, children should be exposed to financial literacy as it helps them to understand the value of money.

“It helps them to understand how to earn it and grow it, manage it, and generally how they can navigate the financial arena, which can be quite intimidating.

“Our young children are like sponges; and their creative minds are constantly picking up new traits. Therefore, it is the best time to inculcate excellent saving habits,” she pointed out.

Miller explained that these saving habits should be actionable. This requires parental involvement. Opening a savings account for their children is one way parents can kick-start their children’s journey to financial independence.

The JN Foundation grants manager said that the opening of a savings account is a demonstration of a commitment to the process and that the action will have positive, far-reaching implications for families in the future.

10-10-80 FORMULA
“Parents could start by purchasing a ‘saving pan’, or repurposing any suitable receptacle, such as a large plastic water bottle, where their children can deposit their spare change.

“As children get older they can be introduced to the 10-10-80 formula, which recommends that they save 10 per cent of any money they receive. This practice is a solid way to ensure financial security when they become adults,” she advised

She continued: “Teach your child the concept of disciplined saving by ensuring that they add to their savings regularly; teach them that in the long run, consistency will pay big dividends. They should also be encouraged to have a saving goal and to be committed to that goal and not dip into their savings prematurely. Move money from their savings pan to their bank account at intervals,” Miller advised.

She said children can also be taught the concept of delayed gratification by encouraging them to save towards achieving personal goals and objectives, such as expensive toys, gifts for friends/family, and entertainment outings.

“It is perfectly appropriate to add to your children’s savings effort, using the opportunity to teach them how interest on savings is calculated.”

KNOWLEDGE EXPANSION
Miller stated that parents can also help to expand their children’s knowledge base on finance by spending time watching educational videos about financial literacy with their children on websites and on YouTube.

“There are also many books which can be accessed free of cost on the Internet. Over time, children will become more financially savvy, and will naturally elevate their conversation from saving to investing as they become aware that investing is where real wealth is created,” she underscored.

The JN Foundation’s BeWise financial empowerment team leader also pointed out that along with financial literacy, it is important for parents to prepare financially for their children’s education.

“As you plan for their training, you should also make the necessary preparations for them to access tertiary education. If parents succeed in these two areas, they would have provided their children with a solid platform to not only enable their own financial security, but also by extension, the financial success of the country,” she explained.

Miller asserts that as the level of financial literacy increases, the level of financial inclusion in the society will increase, which will have a positive impact on the economy.

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More Protection For Children Along Holland Bamboo Avenue

Road-safety infrastructure installed at a section along Holland Bamboo Avenue, in St. Elizabeth, has been effective in better safeguarding the lives of residents living in the area.

In an interview with JIS News, Principal of Holland Primary School, Simone Doctor, said the amenities have been particularly beneficial to students at the institution.

“Anything that has to do with school development and the development of the children, I am always on board. So, all of the amenities and facilities that have been put in place, the children are utilising and they are keeping them safe all around,” Mrs. Doctor said.

The road-safety infrastructure includes a small bridge, sidewalks, laybys, and school-safety and speed-limit signs. They were installed as part of the 2019 Labour Day activities where Holland Primary School was among four institutions selected as national projects by the Labour Day Secretariat.

“The children are appreciative, because they know it is an exact location for them to stand. So, where the sidewalks are, that is where they stand to take vehicles,” Mrs. Doctor explained.

“The [speed] sign has been posted, and right now it is 30 km. Also, rumble strips have been installed on either side of the pedestrian crossing. So, those rumble strips would give the drivers warning to say that you are coming up on a pedestrian crossing, so slow down,” she added.

The Principal said that some sheds at the laybys would be welcome additions to further benefit the school and community.

One resident, Marsha Wilson, told JIS News that the community is grateful for the road-safety infrastructure.

“We feel very good because a long time we want it,” she said, noting that she also has a son and a niece attending Holland Primary School.

“Before, it was very chaotic because the children never had any sidewalk. So, we are glad we get the sidewalks,” she added.

 

See the original article here !

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bewise

Growth & Jobs | Help Your Children To Become Financially Literate

Rose Miller, grants manager at the JN Foundation, is recommending that parents inculcate financial awareness in their children at an early age.

“It is essential for raising a child,” she insisted. “Teaching children how to become financially aware at an early age will help to develop in them good money-management skills and other habits which will help them throughout their lives”.

The JN grants manager, who has responsibility for the foundation’s BeWise financial empowerment programme, posits that from an early age, children should be exposed to financial literacy as it helps them to understand the value of money.

“It helps them to understand how to earn it and grow it, manage it, and generally how they can navigate the financial arena, which can be quite intimidating.

“Our young children are like sponges; and their creative minds are constantly picking up new traits. Therefore, it is the best time to inculcate excellent saving habits,” she pointed out.

Miller explained that these saving habits should be actionable. This requires parental involvement. Opening a savings account for their children is one way parents can kick-start their children’s journey to financial independence.

The JN Foundation grants manager said that the opening of a savings account is a demonstration of a commitment to the process and that the action will have positive, far-reaching implications for families in the future.

10-10-80 FORMULA
“Parents could start by purchasing a ‘saving pan’, or repurposing any suitable receptacle, such as a large plastic water bottle, where their children can deposit their spare change.

“As children get older they can be introduced to the 10-10-80 formula, which recommends that they save 10 per cent of any money they receive. This practice is a solid way to ensure financial security when they become adults,” she advised

She continued: “Teach your child the concept of disciplined saving by ensuring that they add to their savings regularly; teach them that in the long run, consistency will pay big dividends. They should also be encouraged to have a saving goal and to be committed to that goal and not dip into their savings prematurely. Move money from their savings pan to their bank account at intervals,” Miller advised.

She said children can also be taught the concept of delayed gratification by encouraging them to save towards achieving personal goals and objectives, such as expensive toys, gifts for friends/family, and entertainment outings.

“It is perfectly appropriate to add to your children’s savings effort, using the opportunity to teach them how interest on savings is calculated.”

KNOWLEDGE EXPANSION
Miller stated that parents can also help to expand their children’s knowledge base on finance by spending time watching educational videos about financial literacy with their children on websites and on YouTube.

“There are also many books which can be accessed free of cost on the Internet. Over time, children will become more financially savvy, and will naturally elevate their conversation from saving to investing as they become aware that investing is where real wealth is created,” she underscored.

The JN Foundation’s BeWise financial empowerment team leader also pointed out that along with financial literacy, it is important for parents to prepare financially for their children’s education.

“As you plan for their training, you should also make the necessary preparations for them to access tertiary education. If parents succeed in these two areas, they would have provided their children with a solid platform to not only enable their own financial security, but also by extension, the financial success of the country,” she explained.

Miller asserts that as the level of financial literacy increases, the level of financial inclusion in the society will increase, which will have a positive impact on the economy.

 

See the original article here!

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Fix it! – JN grants manager says poor debt management can affect physical health

The start of a new year always brings with it deep reflection. It’s a time when most persons often make decisions about the things they want to change in their lives or the goals they want to attain in the new year.


It is also a time when some persons frequently pause to reflect on the condition of their physical and mental health or the state of their finances. However, what many persons fail to realise is that these two subjects often go “hand in hand.”


Rose Miller, grants manager at the JN Foundation and head of the JN BeWi$e Financial Empower Programme, advised that the age-old adage, “health is wealth,” is more than a cliché. Miller pointed out that financial mismanagement can seriously impact one’s physical and mental well-being.


Recent statistics from the Bank of Jamaica (BOJ) revealed that $56.60 of every $100 earned by households in Jamaica is used to finance debt. The information was revealed in the Financial Stability Report 2018. That is the highest level of household debt mapped by the central bank to date, which highlights that Jamaicans are currently servicing three times more debt than they did a decade ago.


According to the BOJ, the underlying reason for the upsurge in debt relates to consumer loans, which have increased three times as fast as income annually.


Many more Jamaicans are also diagnosed with lifestyle illnesses, such as heart disease and strokes, with non-communicable diseases (NCDs) representing two-thirds of all deaths in Jamaica.


Miller noted that while NCDs share several common, modifiable risk factors – tobacco use, harmful alcohol abuse, physical inactivity, and unhealthy diet – taking strides to improve financial health can also have benefits for physical and mental health.


“Part of a wellness-centred lifestyle should also include paying careful attention to your finances and ensure that you’re setting yourself up for a prosperous life,” she advised.


Here are some of the most common ways poor money management can manifest itself physically.


1. Raised Diastolic Blood Pressure


High blood pressure is the precursor to a myriad of health problems, including but not limited to heart attacks and strokes. A 2013 Northwestern University study in the United States of America showed that adults ages 24 to 32, who had high debts, also had higher diastolic blood pressure. “This is an age group which, money issues aside, should be in optimal health. When it comes to heart disease, we can’t help our genetic predisposition; however, we can certainly make an effort to pay down our debts as quickly as possible, which will be of significant help,” she maintained.


2. Greater muscle tension


Muscle tension, including back pain, has been reported in persons with high debt stress. In addition, 44 per cent had migraines or other headaches, compared to just 15 per cent without debt stress, according to a 2008 Associated Press-AOL health poll. “If you believe you’re suffering from tension due to money problems, consider coupling your financial plan with exercises, such as: walking, aerobics, or simple stretches,” Miller advised.


3. Worsened digestive symptoms


The digestive system is often referred to as the centre of health. When under heavy financial stress, many persons do not maintain proper eating habits. Healthy food may not even be accessible or affordable for those in financial trouble. In addition, statistics from a 2008 Associated Press-AOL health poll reveal that 27 per cent of persons with high debt stress reported having ulcers or other digestive tract problems, compared to just eight per cent without debt stress.


4. Depression


If you have major debts, or if you recently lost your job, things can turn bleak very quickly if you are without a financial cushion. Feelings of despair are therefore common. The 2008 Associated Press-AOL health poll also revealed that some 23 per cent of those persons with debt reported having severe depression, compared to just four per cent who were not indebted. The poll also found that there was a 14 per cent increase in depression symptoms with every 10 per cent increase in personal debt.


Miller advised that a life well lived is based on proper financial management.
“While there are many things you can do to improve your physical and mental health, including exercise, eating right, cultivating meaningful relationships, getting regular check-ups and rest, there’s no denying the science behind, and the connection between, health and finances,” she maintained.


“Do everything in your power to keep your credit score high, your debt low, and your savings and investments plenty. You’ll reap the reward both physically and mentally. If needs be, prioritise health, as it is a critical pillar for a successful life.”

See the original article here!

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More Protection For Children Along Holland Bamboo Avenue

Road-safety infrastructure installed at a section along Holland Bamboo Avenue, in St. Elizabeth, has been effective in better safeguarding the lives of residents living in the area.

In an interview with JIS News, Principal of Holland Primary School, Simone Doctor, said the amenities have been particularly beneficial to students at the institution.

“Anything that has to do with school development and the development of the children, I am always on board. So, all of the amenities and facilities that have been put in place, the children are utilising and they are keeping them safe all around,” Mrs. Doctor said.

The road-safety infrastructure includes a small bridge, sidewalks, laybys, and school-safety and speed-limit signs. They were installed as part of the 2019 Labour Day activities where Holland Primary School was among four institutions selected as national projects by the Labour Day Secretariat.

“The children are appreciative, because they know it is an exact location for them to stand. So, where the sidewalks are, that is where they stand to take vehicles,” Mrs. Doctor explained.

“The [speed] sign has been posted, and right now it is 30 km. Also, rumble strips have been installed on either side of the pedestrian crossing. So, those rumble strips would give the drivers warning to say that you are coming up on a pedestrian crossing, so slow down,” she added.

The Principal said that some sheds at the laybys would be welcome additions to further benefit the school and community.

One resident, Marsha Wilson, told JIS News that the community is grateful for the road-safety infrastructure.

“We feel very good because a long time we want it,” she said, noting that she also has a son and a niece attending Holland Primary School.

“Before, it was very chaotic because the children never had any sidewalk. So, we are glad we get the sidewalks,” she added.

Read more