Start 2026 Right with This Seven-point Financial Checklist

The start of a new year brings a wealth of possibilities, key among these is the opportunity to take control of your finances and build healthier money habits. With rising costs, unexpected expenses and economic uncertainties following the passage of Hurricane Melissa having a clear plan can make a significant difference to your financial outcomes, according to Rose Miller, financial education consultant at the JN Foundation.

She recommends this seven-point New Year financial checklist that will provide practical steps to help individuals and families set realistic goals and make smarter financial decisions throughout the year.

1. Review Last Year’s Spending

Begin by looking back at your spending habits and expenses from the previous year. Pick out areas where you may have overspent and identify ways to reduce unnecessary spending. Understanding past habits is a great first step towards change and improvement.

2. Create or Update Your Budget

A budget is the roadmap for managing your money. List all sources of income and outline monthly expenses, ensuring essentials such as rent, utilities, transportation, and groceries are included. A consistent and disciplined approach to this exercise will be highly rewarding.

3. Set Clear Financial Goals

Define what you want to achieve financially in the coming year. Goals may include building an emergency fund, reducing or paying off debt, saving for education, or starting a small business. Whatever the goals, be realistic, not only with each goal but also about the timelines for achieving them. And remember, track your progress regularly.

4. Prioritise Saving

Make saving a non-negotiable part of your financial plan, by making it a fixed expense. Aim to save a percentage of your income consistently. Start where you can even if it’s small, the outcome at the end of the year will surprise you. To increase your chances of success and build discipline, automate the process by having the funds transferred directly to your savings account

5. Build an Emergency Fund

Unexpected expenses can disrupt financial stability. Strive to save at least three to six months of living expenses this will improve resilience and help protect you and your family from financial shocks.

6. Tackle Debt Strategically

Review outstanding debts and focus on paying down those with highinterest first since these are more costly. At the same time, avoid accumulating new debt unless it is absolutely necessary.

7. Plan Before Spending

Avoid impulse purchases by planning and remaining focused. Create shopping lists and spend according to the limits of your budget. Do not be swayed by attractive deals which can easily railroad your plans. Be intentional when you spend, always bearing your goals in mind.

“Revisit your financial plan every few months to assess progress and make adjustments. Life changes, and your financial plan should adapt accordingly,” Mrs Miller recommends.

She emphasised that the journey to financial security is never an easy one, but starting the year with a financial check-up and a checklist can help turn intentions into action. “With planning, consistency and discipline, the new year can be a giant step towards greater financial security and peace of mind,” she pointed out

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Smarter Credit Course Helps Participant Take Control of Her Financial Future

After years of using debit cards and only recently venturing into credit cards, Ana Miles with her occupation in marketing, admits she did not fully understand the complexities of credit management.

That changed after enrolling in the JN Financial Academy Smarter Credit course, a financial literacy programme designed to help Jamaicans better understand credit, loans and debt management strategies.

“I thought a credit card was as simple as using it and making a payment,” Miss Miles shared. “What I didn’t understand was how easily balances can roll over, how interest works, and how quickly things can get out of hand if you’re not careful.”

Miss Miles said her decision to sign up for the course came at a critical time. She recognised the need to take a more proactive approach to manage her credit obligations and to better understand effective financial strategies, rather than learning through trial and error.

One of the most impactful lessons for her was learning about structured debt repayment methods, including the snowball and avalanche approaches.

“I had heard about these concepts before, but the course really broke them down in a way that made sense,” she said. “It helped me see that managing debt doesn’t have to feel overwhelming.”

Since completing the course, Miss Miles has adopted more disciplined financial habits. She now keeps a written budget, tracks her expenses, and prioritises making payments on time. She also maintains regular communication with creditors, rather than waiting for collection calls.

“I’m organising my finances in a way that works for me,” she noted. “I’m staying on top of payments, even if they’re small, and that alone has made a difference in how confident I feel.”

While she has not yet made major credit-based purchases, Miss Miles believes the knowledge gained has better prepared her for future decisions.

“It’s about getting ahead of the game. Now I know I need to educate myself before jumping into anything, whether it’s another credit card, a loan, or eventually buying a home.”

Miss Miles encourages others who may be unsure about their financial knowledge to consider the Smarter Credit course.

“If you want to go beyond just swiping a piece of plastic and really understand how credit works, this course is worth it,” she said. “There are so many things happening behind the scenes that affect your credit, and you need to know where to find that information and how to manage it properly.”

Rose Miller, financial education consultant with JN Foundation, said that the Smarter Credit course empowers participants with practical tools to build healthier financial habits and make informed credit decisions.

She highlighted the upcoming January 2026 cohort, encouraging participants to start the new year by focusing on building strong credit habits. The first of three webinars is scheduled for January 28 with the remaining two slated for February 11 and 25. Members of the public are invited to enroll to take the course by registering on the JN Financial Academy website at jnfinancialacademy.com.

“The Smarter Credit Course is a free, self-paced, practical, easy-to-follow programme designed to help you manage your credit and make smarter financial decisions,” she said. “Whether you want to improve your credit score, better understand credit reports, or position yourself for future opportunities, this course provides you with the tools and guidance you need. You will benefit from expert insights from industry professionals, real-world examples, and practical strategies you can apply immediately,” she added. Mrs Miller disclosed that participants will get immediate access to course material once enrolled for the course.

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Linstead School Sees Attendance Boost Following Start of Breakfast Programme 

Photo Caption: Secretary of the JN Circle Linstead Chapter, Kareen Dennis (right), presents breakfast supplies to Annette Steele (left), principal of Victoria Primary School.

A breakfast programme initiated by the JN Circle Linstead Chapter is having a measurable impact on student attendance and well-being at Victoria Primary School, a rural institution located just outside the town of Linstead.

The initiative was introduced in November last year, shortly after schools reopened following the passage of a hurricane and was born out of discussions between JN Circle members and the school’s administration during Read Across Jamaica Day activities earlier in the academic year.

JN Circle Linstead Chapter President Godfrey Marshall said the idea emerged after the chapter sought to better understand the school’s challenges.

“At the end of Read Across Jamaica Day, we were having discussions with the principal about the strengths and weaknesses at the school,” Marshall explained. “When we spoke about the student population, especially on certain days, it came out that one of the contributing factors to low turnout was a breakfast situation, where some children were not getting breakfast.”

The matter was taken to the chapter’s executive, which agreed to support the school by sponsoring an additional day of breakfast beyond what is already provided through government assistance.

“We all bought into the idea as an executive body, reached out for sponsorship and decided to move forward with the programme,” Marshall said.

According to Principal Annette Steele, the impact was felt almost immediately.

“We started in November, just after the hurricane, and it has really impacted attendance,” Steele said. “Previously, we had children coming late or not coming at all because they hadn’t eaten. Now they can come by 7:30 a.m. and get a hot meal, and that has really boosted our midweek attendance.”

She explained that breakfast typically includes items such as fried dumplings, sausage and a hot beverage, which students now look forward to each week.

“We realised that sometimes we underestimate who is really in need,” Ms Steele added. “Even some children we thought were having breakfast actually weren’t. The programme has been tremendous, and we are very grateful to the JN Circle, Mrs Dennis and the team.”

Secretary of the JN Circle Linstead Chapter, Kareen Dennis, said the programme was made possible through modest but consistent support, despite the chapter’s small membership.

“When we saw the budget, we realised it didn’t take much to make a difference,” Mrs Dennis said. “By topping up items like flour, Milo and oil, the school could sustain an extra day of breakfast.”

Mrs Dennis noted that students often express excitement when volunteers visit and are eager to help, a response she says reinforces the importance of the initiative.

“When children are hungry, they can’t focus on learning,” she said. “Seeing their joy, their respect and their enthusiasm really motivates us to continue.”

Victoria Primary School, which serves approximately 250 students from Grades One to Six, has been part of the community since 1935 and continues to produce strong academic and cultural outcomes, despite its rural setting.

The JN Circle Linstead Chapter, which has about 10 active members, hopes to sustain the programme and eventually expand similar support to other schools within its catchment area.

“We’re really happy that we’re able to partner with one of our schools,” Mr Marshall said. “The Linstead Chapter is proud to be impacting the community it serves and reaching our nation’s children.”

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Mustard Seed Communities Receive Some ‘Comfort for Christmas’ 

The JN Foundation has continued its tradition of giving, reaffirming its commitment to Mustard Seed Communities through its Comfort for Christmas initiative. From essential food items to diapers for daily care, find out how this year’s donation is supporting residents at Jacob’s Ladder in St Ann and bringing hope during the holiday season. 

For the fourth consecutive year, the JN Foundation has reaffirmed its commitment to Mustard Seed Communities, spreading holiday cheer and delivering much-needed practical support through its annual Comfort for Christmas initiative. 

This year’s donation, delivered to the Mustard Seed-managed facility at Jacob’s Ladder in St Ann, included diapers and food items to support the daily care and nutritional needs of residents, many of whom are chronically ill, physically challenged or without family support. 

According to Candice Nichols, social impact assessment officer at the JN Foundation, the initiative underscores the Foundation’s sustained commitment to supporting the welfare of children.   

“This really came from a place of acknowledging the need to support our vulnerable communities across the island,” Ms Nichols said. “Mustard Seed is a very established organisation with 11 apostolates islandwide, and while they manage their operations very well, the need is always significant.” 

She explained that residents at Mustard Seed range from newborns to the elderly and include persons who are fully or partially dependent on medical and nutritional care. 

“We wanted to continue with our donation of diapers, but we also extended the range of donations to include food items based on the request from the administrator at the home,” Ms Nichols noted. 

Assistant mission manager at Mustard Seed Communities at Jacob’s Ladder, Reanna Simpson, said the donation would have an immediate and meaningful impact on residents, particularly those with special dietary and medical needs. 

“The food items are especially important because many of our residents have multiple disabilities and specific nutritional requirements,” Ms Simpson said. “Having items tailored for conditions such as diabetes or high blood pressure makes a real difference in how we care for them, and it also eases the financial burden of purchasing food and essential supplies.” 

Ms Nichols pointed out that the initiative aligns directly with the Foundation’s broader mission of supporting vulnerable children and adults, a focus it has maintained for decades. 

“Mustard Seed is home to residents of all ages, and they are all vulnerable,” she said. “Supporting them made perfect sense for us, and it’s not something we are hoping to abandon anytime soon.” 

She added that the impact of Hurricane Melissa heightened the urgency of continued support, as donations to Mustard Seed slowed while national relief efforts were concentrated in other hard-hit areas. 

“With the passage of Hurricane Melissa, there was an increased need for support,” Ms Nichols explained. “Even if we weren’t able to do as much as we would want to, we could not turn our backs on them this Christmas.” 

Miss Simpson echoed the importance of sustained support beyond the holiday season, noting that Mustard Seed provides a permanent home for persons who are often abandoned or forgotten. 

“This is a community that cares for persons who have no one,” she said. “What we offer here is dignity, care and a second chance at life, and support from organisations like the JN Foundation helps us ensure that no one who comes here is ever abandoned again.” 

Miss Simpson encouraged members of the public to support institution. 

“It does not necessarily take much,” she said. “If you can’t give financially, you can volunteer your time or help identify a need. What matters is the willingness to give.” 

Jacob’s Ladder, which is home to 155 residents, sustained minor damage from Hurricane Mellisa, but its greenhouses, which are used to grow the institution’s vegetables and ground provisions, were damaged, and as such, they have to purchase these items.  

The Comfort for Christmas initiative continues to be a cornerstone of the JN Foundation’s outreach efforts, providing not only seasonal cheer but meaningful, year-round support to institutions serving Jamaica’s most vulnerable populations. The initiative is funded by members of staff of The Jamaica National Group. 

Although not extensively directly affected by Hurricane Melissa, Jacob’s Ladder, an institution operated by Mustard Seed Communities, which cares for the vulnerable and abandoned, has observed a decline in the benevolence it normally receives, since the passage of the storm. The JN Foundation remained consistent, galvanizing support among JN employees to maintain its annual donation of supplies through its ‘Comfort for Christmas’ initiative, providing the St Ann-based hostel with well-needed items. Accepting the donations is Reanna Simpson (second right), Assistant Mission Manager at Jacob’s Ladder who is joyfully flanked by members of the JN Foundation team (from left): Chevanese Peters, Project Officer; Omar Wright, Lead, Environment and Community Development Programmes; Kayanna Dehaney, Intern; Rose Miller, Financial Education Consultant and Candice Nichols (right), Social Impact Assessment Officer at the JN Foundation.
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Financing, Data and Equity Issues Challenge Early Childhood Education in Latin America and the Caribbean

Strengthening early childhood education in Latin America and the Caribbean will require better financing, stronger data systems and more inclusive services, experts addressing a recent panel discussion on early childhood development in the region have said.

The panel of experts, which included specialists in global financing and early childhood education, were speaking at a recent colloquium organised by the JN Foundation and The University of the West Indies (UWI) School of Education in partnership with the Dudley Grant Early Childhood Resource Centre.

Dr Emre Ozaltin, lead economist for the Caribbean at the World Bank, noted that sustainable support for early childhood development (ECD) will require a diversified financing approach. He called for long-term financing strategies that foster coordinated support from development partners and the private sector to ensure continuity and effective services, even in the face of disasters.

“A diversified approach to funding in this area may be best – a combination of public budgets, targeted subsidies and innovative financing mechanisms, such as public private partnerships and targeted taxes,” he said. “Sustainable ECD financing is not a one-size-fits-all. Approaches tailored to social, political and economic realities, and critically, the flexibility to be able to respond quickly when disasters do strike are needed.”

He also underscored the need to invest in robust data systems, “to be able to observe the actionable information to improve the [existing] systems that we have.”

Professor Zoyah Kinkead-Clark, professor of early childhood care and education at the UWI School of Education, also emphasised the need for greater monitoring and evaluation in the sector to ensure programmes and actions are effective. Using the recent passage of Hurricane Melissa in Jamaica as an example, she also said by integrating evaluation with comprehensive support services, stakeholders can better meet the needs of children affected by crises to, among other things, ensure equity and continuity of care.

“We really need to be using that monitoring and evaluation to make the key decisions that are needed to guide the sector. We understand that many young children and their families are vulnerable, especially now, and this highlights the need to provide the kind of support they require. As a region, perhaps we can start thinking about ‘wrap-around services’ for our children and their families,” she said.

Adding to the conversation, Dr. Rebecca Tortello, education specialist at the United Nations Children’s Fund (UNICEF), also highlighted the need for improved learning environments, including more sensory based spaces and programmes in early childhood institutions (ECIs), to support children’s social, emotional, physical and cognitive development.

“It’s important that we find ways to replicate more of those spaces, following a model created by UNICEF with the Rockhouse Foundation at Savanna-la-Mar Infant Academy- one of the schools badly damaged by Hurricane Melissa. That model included clinical support through a partnership with the Ministry of Health and Wellness,” she said.

“You heard the Minister [of Education] speak about a research screening centre [to come] in Portland to complement the one that exists at Mico [University College]. We had about eight of the sensory or clinical spaces before the hurricane and we need more such support at the early childhood level to enable the necessary follow up along the National Early Screening Pathway, which starts with the Child Health Development Passport and moves through multiple assessments, including the Jamaica School Readiness Assessment developed by UNICEF and the UWI Department of Child Health and administered by the Early Childhood Commission (ECC). These sensory spaces, if strategically placed around the island, can be a possible way to bridge a key gap in the pathway,” she added.

Dr. Tortello said the way forward should also include improved infrastructure at ECIs, such as ramps and accessible toilets, to make facilities more inclusive. As she handed over the Pathway document, she also emphasised the need to expand access to teaching resources, including accessible digital textbooks (ADTs) now available on UNICEF’s Learning Passport Jamaica website at jamaicalearningpassport.org, as well as professional development programmes like the UNICEF-developed Inclusive Early Childhood Education course offered by the ECC and the Jamaica Teaching Council annually.

Dr Tracy-Ann Morgan-Smith, senior director of regulations and monitoring at the ECC, noted that along with ensuring that services are fully inclusive to accommodate children with disabilities and other special needs, improving the early childhood sector, particularly for Jamaica, will also mean reviewing legislation, implementing teacher licencing and enhancing disaster mitigation measures.

“We’re looking at putting in the legislation for system strengthening [to cater to] the whole aspect of the licencing and mandatory areas for teachers to do their professional development. Areas like toxic stress and the trauma children deal with after a disaster. That is critical. We also have to look at our climate resilience, how we now respond to education in emergency situations,” she said.

She noted that with the recent passage of Jamaica’s Data Protection Act and the evolving digital age, attention will also turn to how the early childhood legislation can protect children and others whose data is collected and used.

The two-day JN Foundation and UWI School of Education Dudley Grant Early Childhood Resource Centre Colloquium was held from November 27-28 at the UWI Regional Headquarters, under the theme: Let’s shape tomorrow, together. It brought together educators, policymakers and sector leaders to examine the state of early childhood education in the region and chart the way forward.

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Embrace AI in Early Childhood Education with Caution – Tech Experts

Photo Caption: Parris Lyew-Ayee (second left), Chairman, JN Foundation exchanges pleasantries with Dr. Tiou Clarke (left), lecturer at the University of Technology, Jamaica; Dr Ricardo Anderson (centre), lecturer in the Department of Computing, The University of the West Indies; Dr Dawn DiPeri (second right), interdisciplinary design leader and faculty trainer, and, Ava Marie Reid, curriculum development specialist. All were present at  a panel discussion at the recent colloquium on early childhood education hosted by the JN Foundation and the UWI School of Education’s Dudley Grant Early Childhood Resource Centre. The session, titled Opportunity or Distraction: Technology and Early Childhood Education, explored the role of AI in shaping the future of learning.

Educators with knowledge of artificial intelligence (AI) are urging their colleagues at the early childhood level to move past scepticism and embrace the technology as part of modern teaching methods. While advocating for its integration, they cautioned that young children should not have direct access to AI tools, emphasising the importance of developing their own analytical and critical thinking skills first.

The call came during a panel discussion at the recent colloquium on early childhood education hosted by the JN Foundation and the UWI School of Education’s Dudley Grant Early Childhood Resource Centre. The session, titled Opportunity or Distraction: Technology and Early Childhood Education, explored the role of AI in shaping the future of learning.

Dr Ricardo Anderson, lecturer in the Department of Computing, reminded the audience that AI is no longer a futuristic concept, but a technology embedded in everyday life.

“AI has become ubiquitous. Almost every device we use today, every digital piece of equipment, has artificial intelligence built in,” he explained. “What we need to do is ensure those tools are appropriate for the skills we want to develop. For example, if we’re focusing on motor skills, the devices we provide must align with those objectives. Many of these devices already use AI to enhance development and provide support mechanisms for teachers and students.”

While acknowledging that some AI applications may not be suitable for very young learners, Anderson warned against resisting progress.

“We cannot afford to have a generation that isn’t literate in using appropriate technologies,” he said. “Imagine if we had rejected calculators because we feared them. Technology changes how we do things, we must remain inclusive and ensure these skills are taught.”

Dr Taio Clarke, lecturer at the University of Technology, Jamaica, highlighted that scepticism often stems from limited exposure.

“Some of my colleagues still think AI is bad,” Clarke noted. “But I ask them, ‘Have you really interacted with it? Have you attended forums or explored what’s available before passing judgment?’ Let’s not rely on TikTok opinions; let’s engage with the technology ourselves.”

Dr Clarke also stressed that technology in early childhood education should complement holistic learning philosophies.

“Technology should follow the child as they grow, not the other way around,” he said, while advocating for play-based environments where teachers moderate sessions that balance free play, guided play, and hands-on activities.

Dr Dawn DiPeri, a New York-based interdisciplinary design leader and faculty trainer, echoed the need for caution with young learners.

“AI should not be directly for young children, they shouldn’t be interacting with AI tools at that age,” she said. Instead, she recommended using AI to assist teachers, particularly in content creation.

“In my school district, only tools that meet strict data security standards, known as ‘2D compliance’ are allowed,” DiPeri explained. “For policy, I suggest creating a clear list of approved tools. And when educators ask me to teach them AI, I start with pedagogy. I ask, ‘What problem are you trying to solve?’ Sometimes technology isn’t even the answer. Identify the pain points first, then find the right solution.”

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Psychologists Call for ‘Re-Imagining Education System’ to Weather Growing Climate Threats

As Jamaica begins the road to recovery from the emotional, economic and infrastructural fallout caused by Hurricane Melissa, two education psychologists are calling for an urgent overhaul of Jamaica’s education system, starting at the early childhood level. They say the revamp will strengthen resilience and better prepare children and other stakeholders in the face of rising disasters.

Delivering the first of two keynote addresses on the opening day of the JN Foundation and The University of the West Indies (UWI) School of Education Dudley Grant Early Childhood Resource Centre Colloquium on the topic, Nurturing Well-Being and Building Resilience, the specialists, Professor Loraine Cookand Dr Sharline Cole, from the School of Education at UWI Mona, argued that Jamaica must reshape how it educates and protects children and their educators, both during crises and in the classroom before and after events.

They noted that as the country remains vulnerable to climate-driven disasters, children should be empowered as “agents of protection in disasters”. They called on authors to write textbooks and storybooks featuring disaster-management techniques so children can process risk and prepare through familiar characters and culturally relevant storytelling. “Present it so that children from as early as three can start understanding what vulnerabilities they will face in society,” said Professor Loraine Cook.

The education psychologists also stressed the need to continue improving school infrastructure across the country to be hurricane resilient, as many remain vulnerable to high-impact weather systems. They also pushed for a stronger national remote learning strategy, built on both online and offline methods to ensure continuity of education when schools are damaged or inaccessible. Citing an effective model from another disaster-prone country, Belize, Professor Cook said, “they utilise transistor radios to bring learning into the homes and I think that’s fantastic. It is so flexible, you don’t just rely on the internet.”

The Cuban Model

Beyond that, the psychologists urged education stakeholders in Jamaica to adopt international best practices that teach young children practical disaster preparedness skills. Using Cuba as a case study, Dr Cook shared how early childhood schools integrate a “culture of prevention” into their curriculum, preparing children for disasters. Using age-appropriate activities like drills, storytelling and themed games, the schools teach young children to recognise risks and react to emergencies with calmness and safety. She added that in primary schools, students from grades one to six also study their natural surroundings and learn about the environment through daily observation.

“The goal is for children to become agents of change by applying and sharing what they learn both within their families and across their communities,” Professor Cook shared.

Dr Sharline Cole added that in the redesign of the education system, children must be encouraged to express and validate their emotions as part of disaster recovery.

“Children have a say, and we should provide them with an opportunity to say what they feel and understand their emotions. Let them share exactly what is happening to them because if they don’t, it’s going to create problems later on. We have to listen to what they have to say and help them to talk about it,” she said.

The psychologists also highlighted that the call for transformation extends beyond students. While noting that teachers possess some psychosocial competencies, they highlighted that the concurrent demand of delivering curriculum content and addressing students’ traumatic experiences also present a significant challenge for educators. To ease this burden, they recommended that the Ministry of Education, Skills, Youth and Information partner with universities and counsellor-training institutions to implement a structured national internship programme. Under the proposal, mental health trainees would work alongside classroom teachers to provide socio-emotional support during instructions, helping to stabilise the classroom environment and improve academic performance.

Adaptive Education System Needed

Dr Sharline Cole

While underscoring the importance of supporting educators’ well-being, the specialists also called for a more adaptive education system, one capable of shifting quickly during emergencies and informed by data.

On the point of data, they urged the Office of Disaster Preparedness and Emergency Management (ODPEM) to collect and report on data relating to the effectiveness of the existing Guidelines for Child-Friendly Disaster Management and Response, to assist in policies reflecting the realities children face before, during and after disasters.

“Despite having the guidelines, the Government faces challenges in implementing child protection in emergencies as a central focus of their operations,” Dr. Cole said, citing a 2019 statement from the Caribbean Disaster Emergency Management Agency (CDEMA).

“We have the guidelines [but] are we putting them into action and does it end there?” she questioned. “We need the data to guide our practice, to make the appropriate implementation or to make decisions. If we don’t have that data, it’s difficult for us to make informed decisions, be able to plan and ensure we have a resilient society,” she concluded.

The two-day colloquium was held from November 27-28 at the UWI Regional Headquarters, under the theme: Let’s shape tomorrow, together. It brought together educators, policymakers and sector leaders to examine the state of early childhood education in the region and to chart the way forward.

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A Volunteer’s Commitment to Jamaica’s Recovery

Pilar Ellington, a resident of St Andrew, has already participated in three relief efforts across western Jamaica, following the devastation caused by Hurricane Melissa. Driven by a deep sense of compassion and duty to those in need, she has committed to return as often as she can to provide further assistance to affected persons to rebuild their lives.

A dedicated volunteer and employee of the JN Group, Ms Ellington, was among the first to respond to the call for staff members to support the activities of the JN Foundation which partnered with the Jamaica Automobile Association and St John Ambulance Jamaica, to bring much-needed supplies and services to more than 1,000 residents in Trelawny and St Elizabeth.

“Our role included conducting medical and social surveys to assess the needs of residents, particularly their medical conditions, so that the medical team could provide immediate assistance where necessary. We also helped to distribute some 300 care packages,” she said, adding that the team provided telecommunication access through Starlink services, along with a generator that allowed residents to charge their devices.

Ms Ellington, a member relations officer at the JN Group, pointed out that she was deeply moved by the extent of the damage observed in the various communities.

“Pictures and videos really don’t capture the full reality of what we saw. Houses made of board and concrete alike, were completely destroyed, roads became riverbeds. It was heartbreaking to witness,” she related, adding that power lines were down, water and electricity were unavailable, and cell phone service was extremely poor.

“The situation is challenging. It felt like stepping back in time,” she said.

A moment that will always be etched in her memory was the assistance St John Ambulance Jamaica provided to a diabetic woman who had become critically ill.

“She was taken to the temporary field hospital in Black River due to the severity of her situation. It was gratifying to be able to be a part of an initiative which helps in this way. I could only imagine what might have happened if we hadn’t been there as volunteers to check in on the residents,” she reflected.

Ms Ellington also related that during the team’s outreach efforts in Lacovia, St Elizabeth, residents led them to the home of an elderly man whose house had collapsed during the hurricane while he was inside and how neighbors rushed to rescue him.

“When they got inside, they found him soaked and trembling in a small closet. One of the neighbors took him in, and they’ve been trying to reach his family,” she shared.

The residents, she noted, welcomed the relief support. Many expressed heartfelt gratitude for the aid which brought comfort in their time of great loss.

“They were very grateful for the help and care packages. Many elderly and vulnerable residents had lost their medication and were living with chronic conditions such as high blood pressure, diabetes, heart disease, and asthma. Some were even bedridden. They were extremely appreciative of the medical support and the assistance provided by the St John Ambulance Service,” she said.

“What stood out most to me was the community’s strength and positive spirit. Everyone remained hopeful and worked together to help one another,” she pointed out.

Speaking to the alignment of her work and innate nature of volunteerism, Ms Ellington, noted that her personal efforts is reflective of the mandate of the JN Circle, the activities for which she coordinates.

“JN Circle members are advocates for change and building stronger communities, and I truly believe in that mission,” she emphasised.

There are 16 local chapters of the JN Circle in Jamaica.  Overseas chapters are based in Toronto, Canada and London, England.

Over the years, Ms Ellington has made it her duty to give back in any way she can. 

“I live by the principle, ‘Do unto others as you would have them do unto you.’ One day, any of us could be the one in need of a good Samaritan. So, help because it’s the right thing to do, and because it feels good to make a difference,” she explained.

Ms Ellington stressed that restoring Jamaica requires collaboration at every level and the willingness of every citizen to play their part in the national recovery process.

“Helping others, whether in a big or small way, is a privilege. It’s deeply rewarding to know you’ve made a difference in someone’s life. Don’t think that what you have to offer isn’t enough because nothing is too small. Your voice, your time, your strength, and your prayers all matter just as much as physical donations.”

“We have a long road to recovery and rebuilding stronger and better will take everyone’s effort,” she maintained.

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Nyla Wright Shines as an All-Round Achiever and Confident Young Leader

When 12-year-old Nyla Wright learnt she had been awarded a coveted scholarship, her first emotion was simple and sincere joy. For her mother, Trishana Wright, the moment was just as powerful.

“It was a happy feeling,” Mrs Wright shared.  “We are proud of her, of course, and happy that it was because of her performance that she received the scholarship.”

The award reflects years of dedication and thoughtful balance, traits that Nyla displays with maturity beyond her age. Now a first-form student at Campion College in St Andrew, she remembers her Primary Exit Profile (PEP) journey as a mix of discipline, creativity, and calm focus.

“For PEP, I had to practise a lot and make a lot of preparation,” she said. “But I didn’t overthink it. I took time to enjoy myself while studying and did little things that helped me remember what I was taught.”

One of her strategies was making up catchy or memorable cues to recall key topics.

“I would create little things for myself to remember stuff, and it really helped,” she explained.

Her approach paid off, earning her top performance, high exam scores, and several graduation awards, including Girl of the Year, subject awards across multiple areas, and recognition in sports and music at Kensington Primary School in Portmore, St Catherine.

“I was really surprised but happy,” admitted the former head girl.

Her parents, both pharmacists, juggled long work hours and raising three children, including four-year-old twins. Yet they made sure Nyla had the attention she needed during the high-pressure PEP period.

“Time management was the big sacrifice,” her mother said. “Balancing work and parenthood are not easy, but we became more hands-on. Even when we worked late, we ensured the time was there to help her stay focused.”

“She really surprised us with how well she managed herself,” her mother noted. “She balanced academics, leadership, and other activities so well.”

Nyla hopes her success will help reassure students who will sit PEP next year.

“Don’t overthink it,” she advised. “Stay focused and try your best to balance schoolwork and activities. It can get tough and pressuring when you’re doing too many things, so balance is important.”

Her father, Warren Wright, offers similar encouragement to parents: “Stay calm. Be the support your child needs. Provide whatever resources you can, past papers, extra lessons, and remember that mental support is just as important.”

Nyla is still exploring her future direction. “I like the creative arts,” she said. “I sing, I dance, and I play piano sometimes. I’m also thinking about trying the medical field. My options are still open.”

At Campion College, she is already settling into school life and its new rhythms.

“I think Campion is really nice,” she said warmly. “It suits me. They have a lot of events and activities, and I like my teachers. Learning is pretty fun there.”

Mathematics has unexpectedly become her favourite subject. “I never imagined myself liking math,” she laughed. “But I really like it now.”

For her parents, watching her continue to grow into her abilities is the greatest reward.

“Education plays a very important role,” her mother reflected. “Coming from a struggling background myself, it was education that helped me achieve my goals. I want the same for my children.”

One of 37 recipients of five-year scholarships this year, Nyla Wright joins the list of hundreds of young Jamaicans whose secondary education has been supported through the JN Foundation’s scholarship programme since 1983.

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Prof Zoyah Kinkead-Clark

JN Foundation, UWI to Host Regional Conference on Early Childhood Education and Sustainable Development, November 27-28

The JN Foundation with The University of the West Indies (UWI) School of Education and the Dudley Grant Early Childhood Resource Centre will host a two-day regional conference, November 27–28 at The UWI Regional Headquarters, Mona Campus.

The event will spotlight the enduring legacy of Dudley Grant, Jamaica’s trailblazer in early childhood education, while highlighting the pivotal role of early childhood education in shaping sustainable Caribbean development.

Bringing together educators, policymakers, researchers, and advocates from across the region, the conference will explore critical themes in policy, practice, and partnerships that advance equitable, high-quality early learning outcomes. The programme will feature keynote addresses, panel discussions and breakout sessions. It will also honour outstanding contributors to early childhood education in Jamaica.

Prof Zoyah Kinkead-Clark
Professor Zoyah Kinkead-Clark, Senior Lecturer in Early Childhood Education at The University of the West Indies, Mona

Professor Zoyah Kinkead-Clark, Senior Lecturer in Early Childhood Education at The University of the West Indies, Mona, emphasised the importance of the partnership in advancing regional education priorities.

“The University of the West Indies is honoured to collaborate on this conference, which not only celebrates the work of one of our region’s greatest educators but also provides a forum for advocacy by sharing research, innovation, and policy insights that can sustainably transform early childhood education,” said Professor Kinkead-Clark.

“Our goal is to strengthen the link between evidence-based research, system quality and classroom practice, ensuring that every child in the Caribbean has access to quality early learning experiences.”

Claudine Allen, General Manager, JN Foundation

Claudine Allen, General Manager of the JN Foundation, said the event was timely, as it provides a platform for stakeholders to reimagine the future of early childhood education in the Caribbean.

“As one of the organisers of this conference, we at the JN Foundation are deeply committed to advancing the conversation around early childhood development. We firmly believe that if we are to tackle Jamaica’s education crisis in any meaningful way, we must start at the foundation by ensuring that our youngest learners have access to quality care and education from the very beginning,” said Miss Allen.

“Early childhood development is where the building blocks of literacy, numeracy, and social skills are formed. It is where we cultivate curiosity, confidence, and compassion, traits that define the kind of citizens and leaders our nation needs. Dudley Grant’s philosophy of educare—the seamless blend of care, play, and learning, captures this vision perfectly. Through this dialogue, we hope to reignite that spirit of collaboration and reaffirm our shared responsibility to strengthen the early years as the cornerstone of Jamaica’s educational and social transformation.”

Attendees will gain insights into evidence-based practices, innovative policy frameworks, and cutting-edge research designed to enhance early learning outcomes and promote holistic child development.

Key discussion topics include ‘Towards Effective Early Childhood Policies for Latin America and the Caribbean’, focusing on aligning regional policy frameworks and strengthening partnerships for equitable, high-quality outcomes; ‘Opportunity or Distraction: Technology and Early Childhood Education’, exploring how technology can both enhance and hinder early learning, and strategies for balanced integration; ‘Diversity in Practice: Addressing Unique Abilities and Cultural Differences in Early Childhood Education Delivery’; and ‘Early Childhood Curriculum Development and Delivery’.

Distinguished local and regional participants include Dr Ricardo Anderson, Lead, Technology and Innovation, One-on-One; Dr Tiou Clarke, Lecturer, University of Technology and the University of South Florida; Dr Dawn Lee DiPeri, Lead, Learning Passport, UNICEF; and Dr Rebecca Tortello, Education Specialist, UNICEF.

Regional experts that will present at the colloquium are Ena Dalso Henry, Permanent Secretary, Ministry of Education and Sports from Antigua; Nadera Ross, education officer, Ministry of Education, Culture, Science and Technology in Belize; and Dr Dawn DiPerri, Interdisciplinary Global Design Leader & Faculty Trainer, UNICEF based in the United States.

Dudley Grant, affectionately known as Jamaica’s Father of Early Childhood Education, pioneered the ‘educare’ model, a child-centred approach that integrates play, parental involvement, and social interaction to nurture holistic development. His groundbreaking work reshaped Jamaica’s preschool landscape and continues to influence global early childhood education policy and practice today. Mr Grant died in 1988.

Persons interested in attending the conference may register on the JN Foundation website at http://jnfoundation.com/dgmt-colloquium/

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