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The love of her family, her faith and the inner strength to keep living for her three children, made Michelle Robinson relentless in her fight against breast cancer, a diagnosis she received a year ago.
The 36 year old said that she knew something was wrong when she started to feel a pain in her left breast, which she ignored at first, however, the pain persisted.
“It was on Mothers’ Day and I was with my eldest son. We were watching a movie and I felt the aches,” she related during a #JN PowerofPink Think Tank Session:  Beyond Breast Cancer: Stories of Survival, on Miss Kitty LIVE ON Power 106, recently.
The educator said that on further self-examination, her fears were confirmed. “Later on, I decided to squeeze it, and I saw this brownish discharge emerging from one of my nipples. It was a shock for me, I held my son and started to cry.”
However, it was after visiting her doctor and doing an x-ray that she received the formal diagnosis. She had stage two breast cancer. That meant the cancer was growing and had extended to the nearby lymph nodes.
“I was devastated by the news, but, at the same time, because I know how God works, I decided to ‘take it to the Lord in prayer’ and that has been my mantra since the diagnosis,” she related.
She broke the news about her illness to her family members, who were downcast; and she realised that she had to be strong for them, as well. “The diagnosis was like a curve ball, but I was determined to keep batting,” she said.
Michelle immediately commenced her treatment, which involved surgery to remove the left breast and chemotherapy nine months later. She said the chemotherapy brought on nauseous feelings, loss of her eye lashes, hair, loose bowels, discoloured nails, and left a metallic taste in her mouth. So far, she has done 16 chemotherapy sessions and hopes that at her next doctor’s visit she will not have to do any more treatment.

However, the diagnosis forced her to change her lifestyle. An introvert by nature, whose life simply involved going to work and home, Michelle decided that she would start enjoying life, therefore, she began to participate in activities which she enjoyed.
“I found a new lease on life. Occasionally, I would go out and play pool, and I started to look at life totally different. Now, I am more comfortable and at peace,” she said.
The loss of her hair was another stage of the cancer which she had to embrace. She opted not to wear a wig and accepted her baldness. That decision not only motivated her; but encouraged other women affected by the disease.
Michelle was also forced to change her diet. As a result, she reduced her sugar intake; increased eating fruits and vegetables; as well as, eliminated red meat, processed foods and alcohol, in her diet.
“It was life changing,” she related, “One had to make so many changes, and it was not for one month or two months, but for a lifetime, and the change was immediate.”
But for Michelle, her journey has been bearable, because of her faith in the Lord and the strong support from her family members, who have been ‘her shelter in the time of storm.’ She highlighted the close bond with her mother, Catherine Knight, who kept her persevering.
“We now appreciate each other so much more. The thing is that, we don’t know how long we will have with each other, therefore, one needs to embrace every moment you have together. Tell them you love them and hug them,” she said with a pensive look.
“When you are faced with so many challenges being diagnosed with cancer, if you don’t have that support, it will make you give up easily. But, when you have support, it will make you press on,” she informed.
On learning about her daughter’s illness, Ms Knight said she was shocked. But, as the shock wore off, she supported her daughter, the last of her four children.
Last year, 974 women were diagnosed with breast cancer in Jamaica. Data from the Jamaica Cancer Society also revealed that approximately 60 per cent of breast cancer cases diagnosed in Jamaica are among women between the ages of 25 and 59 years.
The #JN Power-of-Pink Think Tank Session was the second in a three-part series of conversations about breast cancer, which was part of The Jamaica National Group’s campaign to raise awareness about how to prevent breast cancer and educate them about the symptoms, early detection and treatment.

Dionne Rose l JN Corporate Communications l JN Bank

Mayor of Falmouth, Councillor Collin Gager, is taking the 2019 Hurricane Season very seriously, as he stocks up on hurricane tools, and prepares residents in the event of a disaster.

“Our biggest fear here in Falmouth is flooding. Therefore, we need to ensure that we take the proper precautions, in the event there is a hurricane, we are prepared,” he said.

Gager informed that the Trelawny Municipal Corporation was cleaning drains and replenishing its hurricane supplies, which include equipment to cut down trees, shovels to clean drains and blockage, among other resources.

“What would happen if we were to receive the amount of rainfall which fell in The Bahamas? It would be something to reckon with. Therefore, we need to be prepared. We must ensure that our staff and disaster coordinators are well organised and have the necessary tools,” he explained.

In response to the needs of the Corporation, the JN Foundation presented hurricane supplies, including saws, shovels, water boots and raincoats, to assist with its disaster preparedness.

“We are happy to assist in addressing the needs of the council by providing these essential equipment,” Onyka Barrett Scott, general manager of the JN Foundation, said at the handing over event recently.

Gager pointed out that over the years, the parish has been affected by flooding in vulnerable communities such as Wakefield and Troy.

“Therefore, we ensure that we do proper drain cleaning and clear the sinkholes, to allow water to run off. In addition, we also educate our people about the importance of keeping the sinkholes free and clear,” he said.

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In a bid to build local capacity to design and install a variety of water-efficient measures in the housing sector, the Jamaica National Group, in collaboration with the Inter-American Development Bank (IDB), has launched a 16-week training programme about rainwater harvesting and grey water recycling.

The training programme, which was officially launched on September 11 at The Jamaica Pegasus hotel, will benefit developers, architects, engineers, practising designers, and builders, as well as implementers of rainwater harvesting and grey water recycling systems.The training is being offered through the JN Water Project, which is being managed by the JN Foundation and was designed to address water-management issues, primarily related to climate change. The project, which commenced in March 2017, is a four-year collaboration among the JN Foundation, JN Bank, the IDB, the Climate Investment Funds, and the Pilot Programme for Climate Resilience.

Onyka Barrett Scott, general manager of the JN Foundation, said that the training initiative will seek to drive behaviour change in building practices and encourage a new approach to how we build houses to cope with new climate realities, particularly fluctuations in water supplies due to extended periods of drought.

“It is also aimed at householders. Whether we own the home or not, we are able to practise certain conservation measures at our places of abode, and the overall combination of those actions helps to promote a better response to climate change, which we are now facing,” she said.

COMMENDABLE INITIATIVE
Therese Turner-Jones, general manager and country representative for Jamaica at the IDB, said that it was commendable that the private sector was being engaged in this way through the training initiative.

“Bringing developers together on this particular issue and having JN and the IDB as partners on this project is significant because we are moving beyond the theory of why we need to be doing this,” she said.

Robert Stephens, consultant on the Water Project, said that the objectives of the training for participants are to develop an appreciation for rainwater harvesting and grey water recycling, identify characteristics and the mistakes that can be made, and identify how to avoid these mistakes in building out the systems.

He said that they will be taught how to design and implement rainwater harvesting systems, in addition to costing those systems. The training programme will also examine the components of rainwater harvesting systems, the water-saving devices that can be implemented by homeowners to save water, and factors that affect water quality and water standards.

The course will be delivered weekly via face-to-face sessions and online. The class sessions will be held from September to December.

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Not being financially literate can be costly, Rose Miller, grants manager at the JN Foundation and head of the JN BeWi$e financial empowerment programme, says.

She noted that while there was no available data about the cost of financial illiteracy in Jamaica, information from the National Financial Inclusion Strategy (2016-2020) said financial literacy was low; and many Jamaicans do not understand some basic principles to better manage their personal finance.

In 2012, a demand-side financial capability survey was implemented by the Financial Services Commission (FSC) in partnership with the Organisation of Economic Co-operation and Development (OECD). That survey revealed that while the level of financial literacy among Jamaicans is comparable to persons in other countries in most areas, there is room for significant improvement.

For example: in basic financial knowledge, in terms of the time value of money; identifying and calculating the impact of interest compounding on savings; and behaviours, such as short-term money management.

Miller emphasised that “being financially illiterate can be expensive, because not only will you not see opportunities, but others who do will not hesitate to take advantage of your ignorance.”

She added that poor money management leads financially illiterate persons to pay exorbitant interest fees to “payday lenders” with high interest rates.

FINANCIAL BIND
That was the case of Gary Gregory (name changed on request), a communication specialist who found himself in a financial bind and needed a quick loan to address an emergency.

“It was the beginning of my nightmare,” Gregory lamented. “I ended up paying three times what I borrowed because the interest rate was ridiculous. I wished that I had read the fine print prior to entering into such a loan agreement.”

However, Tanya McKenzie (name changed on request), who was more exposed and financially literate, was able to save thousands of dollars when she decided to purchase a refrigerator she needed with her credit card, rather than taking it out on hire purchase.

“I would have paid triple the cost if I went the hire purchase route, instead of using my credit card to make the purchase,” she informed. “It took me two months to pay off my credit card, as opposed to 18 to 24 months, had I opted for hire purchase.”

Miller commended McKenzie for her prudent financial decision, pointing out that this was an instance of someone using their credit card wisely.

She advised, “That access to credit cards represent funds loaned to you by a creditor to make purchases and pay the bill at a later date. You can avoid paying interest and racking up a debt, which you will later struggle to repay, by paying your bill in full, on time, all the time.”

Miller also explained that it was important to select the right credit card, one which is suitable for your needs; in addition, one should read and fully understand the terms of the agreement.

“Utilising a credit card helps you save your money and use funds loaned to you; it is also a good tool in cases of emergency,” she added.

However, Miller noted that being financially literate takes some effort. She said each person should seek to improve their knowledge about financial matters, such as: investing and the various options available, estate planning, how credit cards work, credit scores, saving for the future, real estate, insurance and planning for retirement, among others. “This area is as wide as the ocean,” she quipped.

“Do not attempt to understand all of these topics at one time,” she added. “Rather, tackle one topic at a time and be committed to continuous learning. Start with the subject you are most interested in learning about; and, then move on to another, and another, and gradually build a solid foundation of financial know-how.”

Some other practical ways to improve financial literacy, she stated, would be to take a financial literacy class, which could be a short course about how to manage your finances, watch videos and access many other financial resources online.

Miller informed that today, the media is also a great source of information to improve one’s financial IQ. “Persons can learn effective money management strategies from local radio and television programmes; through print media; and online, via financial websites.”

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Rose Miller, grants manager, JN Foundation, has urged entrepreneurs to take responsibility for their financial education as this would improve their capacity and broaden their options for investing in areas such as stocks and mutual fund while diversifying their investment portfolio and increasing their potential to generate wealth.

Miller, who also heads JN BeWi$e Financial Empowerment Programme, was one of the presenters at the Business Mentorship and Accelerator Programme Workshop hosted by JN Small Business Loans (JNSBL) at the St James Methodist Church in May Pen, Clarendon, recently. The workshop focused on financial planning, record keeping, marketing and cash flow management, goal setting and preparing business plans.

“Approximately 15 per cent of Jamaicans own stocks and shares. Unfortunately, that figure is low because investing in stocks can be a game-changer to help you on your journey towards financial independence. However, many persons do not invest because of ignorance or fear,” Miller said.

“We need to take time out to increase our knowledge and learn about the various investment options that are available. Listen to radio programmes, read books or articles in the newspapers, watch videos on YouTube, all of which will enhance your knowledge about investing and enable you to be more comfortable about these types of investments,” she said.

She added that entrepreneurs who are unsure of how to invest, should speak with a broker or an investment adviser, who will guide them through the process and decide which approach and what type of investment is best for them.

ADVANTAGE OF ALTERNATIVES
“Some of you may not have the time, or are afraid of the risks associated with purchasing shares directly. The alternative is to open an account with an investment firm, such as JN Fund Managers, who employ trained professionals to manage the funds on your behalf via their suite of mutual funds. When you invest in mutual funds, you actually have ownership in several of the companies listed on the stock exchange,” she explained.

The grants manager told participants that they should take advantage of opportunities presented by initial public offerings, as this is a good entry point to start building your portfolio. However, investors must be prepared to wait for gains, which sometimes may not materalise until the medium or long term, although it is possible to get some appreciation in the short term.

“For example, if you had invested in Wigton WindFarm shares, when it was offered at 50 cents per share, you could have made at least 25 per cent on the sum you invested,” she said. “If you had bought the Sagicor Select shares for $1, you would also have seen some appreciation. By not investing in stocks, you are missing out on significant opportunities to generate wealth.”

Jacqueline Shaw-Nicholson, communication and client services manager, JNSBL, explained that the workshop was hosted as part of a wider programme to provide financial-management support to its clients.

“The Mentorship and Accelerator programme is part of JNSBL’s thrust to provide meaningful support and training to our clients, to assist them to sustain and grow their businesses,” Shaw-Nicholson explained.

“MSMEs (micro, small, and medium-size enterprises) require support throughout their business journey. The support required will depend on where they are in their business life cycle. The clients at the May Pen workshop received well-needed guidance about good business and financial management techniques for growth, and how to market, as well as keep, proper records,” she said.

Shalena Collins, a sandal maker, said that she benefited from the information that was presented.

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