JMMB LIVING DECEMBER 2014

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Content CEO’s Update - Christmas Message from Keith Gift Giving on a Budget Traditional Jamaican Christmas – Handy Christmas Recipes Movements – Appointments and Promotions Live Well Joan Duncan Foundation Moments Setting & Sticking to New Year’s Resolutions Meet The Team – Meet our Managers JMMB Living is formulated to appeal to your financial well-being and lifestyle. We invite you to indulge in our christmas edition as we share christmas recipies and lifestyle advice for the festive season.

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CEO’s Update

Christmas Greeting from Keith

Welcome to our first issue of the JMMB Living e-Zine, which is another avenue through which we hope to further connect with you by proving useful and relevant content, for all areas of your life. I hope you find the articles refreshing and insightful. As the curtains close on 2014, I would like to take a moment to express my heartfelt gratitude to you, our clients, for your continued support of the JMMB Group. It is our client partnerships and experiences which have enabled us to continue to grow and expand into new frontiers. Overall, it has been a very productive calendar year for the Group, culminating only recently with JMMB walking away with four Jamaica Stock Exchange (JSE) Best Practices Awards and the HR Innovation Award, for our performance management framework, from the Human Resources Association

in Jamaica. We are indeed proud and humbled by these accomplishments and I look forward to 2015, as we anticipate continued success, in helping you to achieve your life goals, and continuing on our journey of building out our integrated financial services model across the region. On behalf of JMMB team members, I wish you, and your loved ones, a very special holiday season and a prosperous 2015. Best regards,

Keith Duncan CEO

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Budgeting towards A MERRY CHRISTMAS

AND A PROSPEROUS

NEW YEAR

Contributed Michelle Sinclair-Doyley , Client Financial Education Manager

Christmas time can be the most wonderful time of the year to save towards your financial goals because you may get a bonus, earn extra from your talents or receive cash gifts. Here are some tips that will help you save towards your goals, without sacrificing the holiday cheer, and in January have a happy new year.

Planning is Key – How much do

Create a Separate Spending

Walk with Your Gift List – Do not

you need to save every month to

Account – Place only the amount you

go shopping without it. Remember,

achieve your financial goals within

intend to use for holiday spending

if you go over budget on one

your time-line? Saving a part of your

in this account. Psychologically, it

person’s gift, it is essential that you

Christmas bonus, will allow you to

will help to curtail how much you

go under budget with someone

reduce the amount of time it would

spend.

else’s, to balance out.

Make Your List – Make a list of

Encourage Cash Gifts – Where

all your intended expenditures, and

appropriate,

the persons you would love to treat.

preferred gift be a JMMB Gift

Total the amount, then check your

Certificate, towards your special

list twice, to determine whether

goal.

take you to achieve your goals, or reduce the amount you will need to save each month. A free JMMB goal planning session will give you the information you need to determine how much you can afford to spend on Christmas gifts, and the best financial options for your money.

cannot think of eliminating anyone Save in Your Goal Account –

or anything, you can get creative

If you want to ensure the money

and give some personalized home

for your financial goals is “safe”,

made gifts.

account before you begin shopping.

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that

your

there are persons or items you can eliminate. If you are over-budget, but

transfer the money to your goal

suggest

Make the Christmas merry for you and yours but remember, the more you save, the more prosperous your new year.


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The expression “there’s no place like home”, doesn’t become more factual than around Christmas time in Jamaica. As the yuletide season approaches, there is a sense of joy, happiness, togetherness and good ‘ole Jamaican niceness’ that fills the air. If you should go outside, you can literally take a whiff of Christmas in Jamaica, as persons get ready to enjoy the season in true Jamaican style. Apart from the decorations, the lights, Christmas carols and hustle and bustle of shopping districts, no Jamaican Christmas is complete without traditional Jamaican Christmas dishes. To truly enjoy a Jamaican Christmas, here are some must have recipes that you can use to create a memorable dinner experience.

** Recipes adopted & tweaked from www.eatjamaica.com and www.jamaicans.com


Savoury

Honey Glazed Ham Ingredients

• To decorate the ham: Peel off the skin. Use a

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1 (10 lbs) fully-cooked, bone-in ham

sharp knife to make diagonal slits in the ham and

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1 1/4 cups packed dark brown sugar

then stud with remaining cloves. Brush with more

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1/3

cup pineapple juice

glaze. Return to the oven and bake for a further

--

1/3

cup honey

10 -15 minutes or until a golden brown colour is

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1/3

large orange, juiced and zested

achieved. Remove ham from the oven.

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2 tbsp mustard

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1/4

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Pineapple rings

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Marachino cherries

tsp ground cloves

Instructions • Preheat oven to 325 F (165 C). Place ham in a roasting pan. • In a small saucepan, combine brown sugar, pineapple juice, honey, orange juice, orange zest, Dijon mustard, and ground cloves. Bring to a boil, reduce heat, and simmer for 5 to 10 minutes. Set aside. • Bake ham in preheated oven, uncovered, for 2 hours. Remove ham from oven, and brush with glaze. Bake for an additional 30 to 45 minutes, brushing ham with glaze every 10 minutes.

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• Arrange pineapple slices over the surface of the ham and secure each with toothpicks. Place a cherry in the centre of each pineapple slice. **Yield: Approx. 45- 50 slices


Refreshing

Rum Punch

Rich

Sorrel Drink

Ingredients

Ingredients

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1 cup lime or lemon juice

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1 cup/6-8 oz. of dried sorrel

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2 cups strawberry flavored syrup ( or any flavour that

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2 1/2 cups of sugar

will provide red punch look)

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6 cloves

3 cups fruit juice (Combine 1 cup pineapple and 2

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1/8

cups orange juice), persons may use other types of

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2 rounded tbsp of dry ginger

juice

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1 piece dried orange peel (optional)

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Ginger (optional)

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6-8 cups of boiling water

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Sugar (optional)

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Rum/Red Label Wine ( optional)

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2-4 cups Jamaican white rum (depending on how

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tsp ground pimento or about 12 whole pimentos

strong you wish to make the punch) Instructions Instructions

• Clean and wash sorrel

• Mix all ingredients together in punch bowl or drink

• Place in large bowl/pot with ginger, orange peel,

container

cloves and grounded pimentos

• Add sugar to taste, or more syrup

• Add boiling twater, let stand for 24 hours

• Garnish with slices of lime and/or pieces of

• Strain and add sugar to sweeten

pineapple

• Add Rum/Red Label Wine (optional)

• Place in the refrigerator to chill

• Let cool and pour into bottles.

• Serve cold over ice

• Refrigerate and serve over ice

Jamaicans are of the belief that aging improves Rum

**Serves approximately 8.5 glasses

Punch, therefore, you could refrigerate overnight or at least 2 hours before serving. **Serves: 10 -12 glasses

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Sweet

Christmas Cake Ingredients ------------

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2 lbs. raisins 1/2 lb. currants 1 lb. prunes 1/2 lb. cherries 1/4 lb. dates 1/4 lb. mixed peel Grated rind of 1 green lime Burnt sugar for colouring 2 tsp. vanilla 1 pt. Sherry/Red Label Wine 1 pt. rum

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1 pt. port wine 12 eggs 1 lb. butter 3/4 lb. dark sugar 1/2 lb. flour 1/2 lb. bread crumbs -- 1/4 tsp. grated nutmeg -- 2 tsp. ground cinnamon -- Pinch of cloves


Instructions: • Store and stew prunes with sugar to taste, then chop fine. Cut all fruit very fine, except currants. Place all fruits in a large jar, omitting nuts. Pour liquor on fruits and steep (Some persons may steep this for up to one month, others may do it overnight, the choice is yours) • Cream butter and sugar. Add beaten eggs. Sieve together flour, bread crumbs, baking powder and salt. Add about a teaspoon of burnt sugar for colour. • Always taste to ensure that the amount of wine/sherry is just right for your taste buds. • Pour batter into a well-greased and heavily lined baking tin or cake basin. Cover tightly and steam for at least 4 hours. The cake may also be best, covered, in a 250 degree oven and baked for at least 4 hours. • Serve with a sauce of your choice. Some persons find it delightful to serve Jamaica Christmas cake with a vibrant rum sauce. ** Will yield about a 9 inch cake

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Movements APPOINTMENTS

AND

PROMOTIONS

Kisha Anderson Country Manager, Jamaica JMMB Group

Sharon Gibson General Manager, Capital & Credit Remittance Ltd.

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Keisha Forbes Head of Investment Services JMMB Ltd.

Sheron Gilzean General Manager, JMMB Insurance Brokers Ltd.


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Live Well

5 Ways to Keep Healthy This Holiday Season

Here are five quick tips to help you maintain a healthy lifestyle this holiday season, as you enjoy the festivities.

Drink a glass of water before you partake in a meal - Numerous studies

have shown that drinking water before meals can result in consuming fewer calories. Water will help to give you a fuller feeling and will take up some of the room in your stomach, making you less hungry and less likely to overeat.

Eat your meals in small portions – Eating smaller portions more frequently

throughout the day, will help to maintain constant blood sugar levels. Low blood sugar levels make you feel tired and slows down your metobolism rate which is critical to the digestion process.

Take a break before consuming dessert – Allow the main meal

to be digested properly, before heading for dessert. Strike up a family conversation, take a quick walk or play with the kids – find some activity to do while allowing a reasonable amount of time to lapse, before eating dessert. This will aid in the overall digestion process.

Get Active – Physical activity includes all forms of activities, such as walking,

cycling, playing, dancing, competitive sports and even gardening. Set aside some time to participate in some physical activities this holiday season, as doing so will ensure that a balance is created between the consumption of holiday meals and maintaining a healthy lifestyle.

Limit how much alcohol you consume - Social gatherings and

celebrations often call for us to celebrate with a glass of wine or your preferred alcoholic beverage. The key to alcoholic consumption is doing so in moderation. Know your limit and be careful not to overindulge.

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Joan Duncan Foundation Moments Joan Duncan Foundation donates blood pressure machines to Victoria Jubilee Hospital

Inaugural Joan Duncan Memorial Lecture

The Joan Duncan Foundation, the philanthropic arm of JMMB Group, is built on the pillars of

JMMB supports breast cancer awareness – Team Pink Day

love and empowerment, transformational leadership and institutional strengthening. Projects undertaken by the Foundation cover the areas of national projects, scholarships and educational grants, transformational training, entrepreneurial transformation and community involvement.

JMMB establishes $1M journalism scholarship

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&

Setting Sticking to your

New Year’s Resolutions New Year’s resolutions, we all have them, because resolutions create a sense of hope, of something attainable, new goals that we can look forward to achieving. As the year 2014 comes to an end, and before you start setting new goals to be achieve in the new year, here are some tips to ensure that you set realistic goals, stick to your goals, and create solid life-long habits.

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Write Down Your Resolutions – It’s more encouraging to write down and

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Focus on one goal at a time – It is possible to have made more than one

have a visual reference for your resolutions.

resolution, however it is imperative that you

Making a mental note of what you want to

do not consume yourself with trying to achieve

achieve is simply not good enough. Make a

them all at once. Focus on what is your priority

‘resolution wall’ with actual images of what

goal and try to achieve that one first, and then

your resolution goals will look like, when

move to the next goal.

you achieve them. Find a photo of the new car that you want to buy, how the additions to your home will look, or how you will look after your new weight loss programme. This will serve as a daily reminder and encouragement of your goals, and push you forward to achieving them.


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Seek Support – Some of the resolutions that we make, will require us seeking support from others. A support system is important for motivation and

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Celebrate your Successes – No success is too small to celebrate. Celebrate every milestone reached in achieving your goals. This will give

encouragement. Find a support system such as a best

you the added boost needed to keep going, and

friend, church group or even a financial advisor. Share

also to reward yourself for your hard work. If your

your resolution goals with them and allow them to

goal was to lose weight, go ahead and treat

support you.

yourself to new a new outfit that will flaunt your new physique.

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Review Your Progress – Set aside some time to review where you are in achieving your goals. You may need to change direction, or you may need to make adjustments to some of your timelines.

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Keep Going – Along the way to achieving your goals, there may be distractions and moments that you feel like giving up. Don’t. Keep going and keep pushing yourself. There is no greater feeling of pride than to know you have accomplished something that you set your mind on achieving, inspite of all the obstacles.


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Meet the Team

Spotlight on Branch Mangers

JMMB Ltd.

Michelle Whitely

Joan Edwards

Portmore

Personal Portfolio Management Centre

Latanya Monteith-Housen

Lorna Hall

May Pen

Montego Bay

Rockann

Sydney McLennon

Clarke-Crawle

Knutsford Boulevard

Haughton Terrace Simone Thomas

Vivienne Duncan

Mandeville, Junction & Santa Cruz

Ocho Rios & Browns Town

JMMB Merchant Bank Ltd.

Owen Ferguson

New Kingston

Lance Duhaney

Montego Bay

Horace Wildes

Ocho Rios

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