Monthly Archives: March 2023

The face of the executive director of Mustard Seed Communities, Darcy Tulloch-Williams, lit up with joy and appreciation as a team from the JN Foundation recently arrived at its Mahoe Drive location in Kingston, bearing gifts.

The Foundation and the Curacao based IBIS Management Associates donated close to half a million dollars to the organisation to support its efforts with caring for the nation’s most vulnerable.

For Mrs Tulloch-Williams, occasions like these conjure up an overwhelming feeling of gratitude, as she pointed out that the needs of the organisation are great.

“This donation will be going into the coffers in terms of what we need to do. We are taking care of the most vulnerable of the society. Whatever you give will be used well and to the benefit of our residents here,” she said.

As he made the presentation, Parris Lyew-Ayew, Snr, Chairman of the JN Foundation, highlighted the importance of organisations, such as the Mustard Seed Communities, in supporting those most in need of care – a duty they carry out often without adequate resources. Therefore, he said, it is paramount that others, where and when they can, should assist institutions such as Mustard Seed to maintain their services to those who are sometimes forgotten by the society.

“We know too well the value of partnership. So, we did not hesitate to partner with IBIS Management Associates, one of our business partners at The Jamaica National Group. As part of its corporate social responsibility, IBIS gives back to the community in their country and to other children’s organisations throughout the Caribbean through the Bank4Kids Charity Fund,” he explained.

The Bank4Kids Charity Fund donates annually to children’s organisations from contributions it receives from IBIS clients. In November 2022, IBIS invited the JN Foundation to nominate a charity in Jamaica for support. The JN Foundation’s nomination was accepted, and IBIS selected the Mustard Seed Communities to receive a cash donation.

The JN Foundation through its own initiative, during the Christmas holidays, also rallied JN Group employees to make donations and they received several items, such as diapers and feeding tubes, which were presented to Mustard Seed Communities. Along with the diapers, the employees also donated cash to the institution.

Established in 1978, Mustard Seed Communities is home to approximately 500 residents across 12 facilities located in Kingston, St Andrew, St. Ann, Montego Bay, Manchester, and St Catherine. Several are children and adults who are physically and mentally challenged or affected by HIV.

Mrs Williams says individuals and groups can donate to the organisation by contacting them at 876-923-6488 or email: info-jamaica@mustardseed.com.

JN Foundation Encourages Water Conservation

Jamaica is currently experiencing a meteorological drought due to inadequate rainfall. Therefore, every drop of water counts, says Omar Wright, lead, environment and community development programmes at the JN Foundation.

The trained sustainable development specialist recommends the following water conservation tips to householders:

Fix leaks promptly

Fix any leaks in your home, such as dripping taps or pipes, as soon as possible. Even small leaks can waste a significant amount of water over time, he informed.

Install water-saving devices

Mr Wright said that installing low-flow showerheads, faucets, and toilets to reduce the amount of water you use is an effective way of saving water. In addition, he recommends that persons should try to limit their shower time to save water.

Water plants early or late

“Water your plants in the early morning or late evening to reduce water loss through evaporation,” he said. He also advised persons to use watering cans to water gardens and shrub beds, as he said this can save up to 40 per cent of the water used when compared to sprinklers, since sprinklers apply water across the entire swath they are set to cover. Hand watering also delivers all the water right where it is needed, unlike the sprinkler which loses some water to wind and evaporation before it reaches the ground.

Use a bucket instead of a hose

During a drought, it’s wasteful to wash cars on a regular basis. When the car must be washed, fill a bucket with water and use a sponge to apply the water, he advised.

“Refill the bucket to rinse, again using the sponge to apply the water sparingly. A quarter cup of white vinegar can be added to the water to reduce streaks, and this solution does not need further rinsing,” he noted.

Use recycled water

Use greywater (wastewater from sinks, showers, and washing machines) for irrigation, flushing toilets (where possible), and other non-potable uses.

 Let your lawn go dormant

The best way to save water outdoors during a drought is to let your lawn go dormant, noted Mr Wright. He noted that the lawn will turn brown during dormancy, but it will regain its colour once the rains return. Most healthy turf grasses can be left dormant for three to four weeks without the grass dying.

“If drought conditions last longer than four weeks, water should be applied to re-hydrate the grass enough to keep it alive. Water sufficiently to wet the soil down to five inches. This small amount of watering will not restore the grass to its natural green colour but will keep it alive until the rains come,” he instructed.

He advised that when the rain comes, it is best to install a suitable barrel to collect rainwater for use in your garden.

For more water conservation tips visit the JN Foundation’s Water Project website at waterprojectja.com

Rose Miller, manager, Strategic Empowerment Programmes at the JN Foundation is urging more women to take charge of planning for their retirement early in their working life rather than leaving it up to chance or depending on their children.

“In today’s reality it is becoming increasingly obvious that we cannot depend on our children to support us in retirement.  Women must therefore make it their business to take the steps necessary so they are able to provide for themselves when that time comes.  If our children are willing and able to provide financial support that would be a bonus,” she pointed out.

Mrs Miller made the point as she referenced a recent concept paper by the Pension Industry Association of Jamaica, which shows that women are more vulnerable to old-age poverty.

The Pension Industry Association of Jamaica’s (2022) Concept Paper on Auto-Enrolment in Jamaica notes that because women live longer than men, they were more likely to be affected by old-age poverty. The concept paper notes that women were 23 per cent less likely to have economic opportunities than men and that women earned only 63 per cent of income earned by their male counterparts, despite doing the same job in many instances.

The Concept Paper also informed that the situation has become more significant since COVID-19 because many women are expected to be stay-at-home caregivers. It adds that with many persons not having enough retirement savings, even more will be required to work beyond age 65.

Mrs Miller gave the following valuable tips for pension provision:

Start early

She noted that from the day one starts earning, it is best to start planning for retirement by not only enrolling in a pension scheme but also setting aside additional funds towards other investments.

“Starting early is favourable for many reasons – the key one being you have a longer time horizon therefore, it gives you the flexibility to invest more aggressively, participating in higher risk opportunities, which will yield higher income and boost your retirement fund.  Another reason is, understandably, the earlier you start the more you would be able to accumulate and better the chances of reaching your financial goals for retirement,” she informed.

 Understand finance

The JN Foundation team lead on strategic empowerment programmes   encourages women to take responsibility for increasing their financial education, noting that once you have a certain level of financial awareness and education you can cash in on many opportunities.  This will also help you to formulate a retirement strategy that will give greater benefits, based on goals and risk appetite.

“Start by doing some research, also take advantage of workshops and seminars offered to improve your understanding of money management.  Colleagues and friends who are knowledgeable about financial matters can be a valuable source of information, however, at the end of the day, you should contact a financial advisor who is trained to help you understand the different investment strategies and identify which is best for you,” she advised.

Be an active Participant

Mrs Miller stated that financial planning is an ongoing process and one that requires active engagement.  You must also keep an eye on how your investment is performing.  

“It is equally essential to regularly review your investments; meet with and discuss your portfolio with your financial advisor. There are times when adjustments are required and these reviews will provide the opportunity to adjust the strategy if necessary. The ultimate goal is to ensure that you do not run out of savings during your lifetime,” she said.

Make smart investments

She explained that women should understand that in order to increase wealth, they must invest in the right instruments. Insurance is one such important financial tool which is not only used to preserve wealth but also  create it;  unit-linked investment plans, endowment plans, and life annuity plans offer benefits of insurance as well as investing.

“These are ideal options as they offer wealth creation, while also keeping loved ones protected, providing a certain level of security.  Other options for smart investments are mutual funds, stocks, real estate and bonds all of which can provide additional income streams over the years,” she explained.

Why do women need to save more?

“There are a number of reasons why women need to start saving more. Firstly, saving money will allow you to fulfill your individual dreams. Whether it is being able to afford your dream house or car, taking regular vacations with family and friends, or planning the wedding of your children.  With sufficient savings, you can achieve your goals while ensuring the financial safety of your loved ones as well,” she advised.

Secondly, Mrs Miller said, women tend to live longer than men. Studies show that women have a life expectancy rate of 70.3 years at birth, compared to 67.4 years for men. With more years of life, women also need enough funds to cover their expenses. In addition, old age can come with its share of problems such as ill health and the need for support. All of these things require additional money, she pointed out.

Learn more about Financial Literacy

Vanessa Lalasingh’s love for the environment was inculcated at a young age. As a child, the St Andrew-bred attorney spent holidays in Banks District on the vast Vere Plains of Clarendon where she climbed trees, ran barefooted on the sandy banks of the Rio Minho, in which she also swam, and frolicked at nearby beaches.

“From an early age, spending time with my family in the country, I came to believe life is simple until we complicate it, because the environment supports life and happiness,” she reminisced on her childhood holidays along the Clarendon coast.

Her love for the environment was deepened and further nourished in high school. At Ardenne High School in St Andrew, she was a member of the Environmental Club and held the post of President for many years.

“It was really a good club. At our club meetings we would create beautiful and useful things from recycled material, routinely selling some to fund the club. We talked about technology and ways to save water and preserve the environment,” she informed. “Every year we would create a two-storey Christmas tree entirely of recycled materials as the centrepiece of the school’s Christmas event. It was always elegant, and that cemented the fact in my mind that recycled things can easily be very chic instead of shabby.”

The Legal Counsel, who works at The Jamaica National Group, continued on the trajectory when she moved on to tertiary studies at The University of West Indies, Mona campus, where she volunteered at community clean-ups, among other environmental related activities.

She said life became hectic in those intensive years of studying, but after graduation, she continued to volunteer in whatever way she could on environmental projects.

“I never lost that love for nature and animals, so I have been the type who always has pets; encourages animals to come around; and subscribes to everything about sustainable living tips. I love plants so I started planting dwarfed fruit trees in pots and that became a hobby,” she said, explaining how she translates her love of nature while living in an urban area.

Today, her home is like an oasis, surrounded by plants and animals. She is keen on keeping indoor plants, such as Snake plants, also called Mother In-law’s Tongue, and ZZ plants (Zanzibar Gems) that purify the air. She also surrounds her house with birdfeeders and plants that invite pollinators so the birds can feed in a natural environment.

“I feel like living in the city we get so disconnected from the things that keep us both physically but especially mentally healthy. We complain about air quality and water shortages but make daily decisions that disrupt ecological cycles and create those problems. So, I kind of took an approach that anything that concerns me, I try to seek a natural remedy for it first instead of going for the easiest chemical or disposables to purchase,” she pointed out.

Her love for nature and caring for the environment has rubbed off on her friends and colleagues who she gifts plants and “drags” along on hikes outside of the city and to agricultural shows to deepen their appreciation for nature and encourage them to also become bastions of the environment.

Beyond ensuring that she is surrounded by nature, Ms Lalasingh is also very conscious about energy conservation and ensures that she installs energy and water saving devices in her home. She boasts that with the installation of these devices, her light and water bills are much lower than a household that does not have these devices.

“I’m a big advocate for using technology to save money in the long-term and plan my purchases that way. We all want to save money. We’ve come so far with technology and reducing the cost of it. I just think we need to pay attention to using it in a sustainable way. You don’t need a roof of solar panels to start. Solar lights, smart plugs and other small devices make a really noticeable impact with no additional effort and actually increase my daily comfort,” she said. 

Today, she remains actively involved in environmental initiatives as a member of the ‘Don’t Count me Out’ Foundation, which was started in August 2020. The main focus areas of the foundation are community development, education, and the environment. They routinely carry out beach clean-up and tree planting exercises.

As a project manager at the Foundation, she said her position allows her to contribute meaningfully to protecting the environment and other uplifting activities. At The Jamaica National Group, where she works, she also participates in some of the JN Foundation’s outreach activities.

Ms Lalasingh’s encourages other to “Be open about your interest in the environment, however small it may feel. This attracts others with the same values and makes it into a lifestyle that you don’t even think about. You will always be getting tried and true tricks and ideas from likeminded people that will fit seamlessly into your everyday life and become impactful.”

View The Water Project