Jamaica Money Market Brokers - February 2019

FEB 2019


www.jmmb.com | 876 877 5512

Why You Should Exercise With Your Significant Other Couples Who Sweat Together STAY TOGETHER E ach Valentine’s Day, people all over the world rush to the store to buy chocolates and all the ingredients necessary to whip up a romantic dinner for two. Unfortunately, these calorie-laden holiday traditions can undermine the fitness resolutions you made just six weeks before. Instead of throwing your goals by the wayside this February, why not make fitness a couples activity? Play Catch! Grab a medicine ball and do some overhead passes, feet-to-feet situp passes, and back-to-back twists with each other. All of these easy at-home workouts help build a solid core. Go for a Run! If the weather is nice, the two of you can lace up and hit the pavement together. You could even make a couples playlist to listen to as you run. If the cold temperatures are preventing you from enjoying the great outdoors, head to the gym and challenge each other on side-by-side treadmills.

The National Library of Medicine published a study showing that couples who focused on their health together went to the gym more often and reported feeling more connected in their relationship. These findings were corroborated by a study published in the Journal of Personality and Social Psychology. Scientists claimed that partners who exercised together reported higher levels of happiness and satisfaction in their relationship. If you and your sweetheart are looking for a romantic way to burn some calories this month, here are some great workout ideas for two.

Try Some Rock Climbing! This is a great way to get a good workout while simultaneously building trust with your partner. Most rock-climbing gyms offer classes in belaying, and staff members can give you tips to improve your form. Sign up to work with an instructor and test your personal limits together.


876 704 3734 ext. 3912

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EMBRACING ‘SPENDOPHOBIA’ 3 Ways to Invest in Yourself After Retirement

An in-ground pool or a private tennis court might be outside your budget, but new kitchen countertops or a deeper tub will add a touch of luxury to the

You’ve spent your entire life being told to save, save, save. Now you’re finally retired, so it’s time to spend some of that money — but you’re scared! This is only natural because it means breaking a lifelong habit of socking away money and refusing to touch it. You’re not alone. A recent study of retirees’ spending habits showed many people actually spend less than they can afford to. They’re scared of the “what ifs” that come with living on a fixed income. However, at age 70 1/2, you have to start taking the required minimum distributions (RMDs) from your traditional IRA and 401(k) whether you want to or not. Instead of stressing over the fact that you’re pulling money out of these accounts, embrace the opportunity to do something for yourself. TRAVEL It can be tempting to hold off spending money as long as possible. After all, who knows how long you need your savings to last? Travel, however, is one thing you can indulge in early without feeling guilty. Even the most leisurely trips can be physically demanding, so it’s better to see the world at 70 rather than wait until you’re 90. To keep yourself on track financially, use the bucket system to set up a separate savings account just for travel. INVEST IN YOUR HOME Once you no longer have to work five days a week, you’ll be in your home more often, so why not make it amazing?

space you spend the most time in. Upgrading your home is almost always a good investment because it adds equity, which will pay off down the road. That extra cash will come in handy if you decide to sell later on in order to downsize or you plan to enter assisted living. Don’t forget to set aside money for ongoing maintenance, such as a new water heater or roof repairs. GO BACK TO COLLEGE It might sound counterintuitive to go to college when you’re not planning to go back to work, but continuing your education after retirement offers many benefits. Many individuals find themselves with more time on their hands than they’re accustomed to, and without a plan to fill this time, it’s easy to become depressed or isolated. Numerous studies have shown that continuing to exercise your brain has a positive impact on cognitive function, so taking a few classes can be the perfect way to stay busy and keep your mind sharp. Attending school late in life is also a great opportunity to indulge your passions and learn more about subjects you’ve always been interested in. Many colleges offer free classes or reduced tuition to seniors, so check with your local schools and see what classes or programs they have available.


“Thank you very much Mrs. Racquel… You are excellent in customer service!”

–Ryland T. Campbell

Contact Your Personal Portfolio Manager: 1. Alaine Samuels – 551 7739 2. Gillian Bernard – 550 8020 3. Mark Gilzeane – 552 4586 4. Melissa McKenzie – 552 4666 5. Nicole Henry-Dewar – 469 2704 6. Racquel Henry-Burke – 403 9550 7. Ian Belcher (RBO) – 551 0521 8. Joan Edwards – 877 5512

This is a miracle from the Lord; a real blessing, yes, all is well, thanks so much for being proactive in sending me the letter for my tax preparation. thanks for your usual kind assistance.

Thanks again,

–Jean Lindo.



Why You Should Exercise With Your Significant Other AN INVESTMENT OPPORTUNITY (JUST FOR YOU)

LUXURY APARTMENT BUILDING Consistent with your goal to maximize your returns, and as discussed in prior months I am now able to share details with you of a 14-storey, 107 luxury apartment building being developed on lands at 6-8 Merrick Avenue, (adjoining the Terra Nova hotel).

The development represents a great investment opportunity as it provides:

I have attached for you a summary presentation and the indicative prices for the units.

• Portfolio Diversification • Ability for Rental Income

Please review and let me know your interest soonest. The units will be first come first served and advertising to the wider public is scheduled to begin this weekend.

• Access to the Terra Nova hotel amenities including spa, restaurant, casino, bar etc. • Capital appreciation given the prime location of the property

Looking forward to your earliest response.



1. BREAKFAST WOULD NOT BE THE SAME WITHOUT IT, WHAT IS “ACKEE”? a. A type of milk b. A vegetable c. A tree grown fruit d. A condiment 2. HERE IS AN EASY ONE. JAMAICA IS FAMOUS FOR “JERK”. WHAT IS IT? a. A spicy salad b. Beef jerky

3. WHAT IS “STAMP AND GO”? a. Red kidney beans stewed with salty meat b. Thick cassava pancakes c. Stuffed bell peppers d. Saltfish fritters

4. WHAT IS DUCKUNOO? a. A pastry with grated coconut b. A dark fruity rum cake c. Almond flavored grated coconut d. A pudding

c. A blend of pureed vegetables d. A method of barbecuing meat


3 876 704 3734

JMMB Limited ATTN: Joan Edwards 23 Phoenix Avenue Kingston 10 Jamaica

876 704 3734 | www.jmmb.com

Couples Who Sweat Together Stay Together! pg 1 3Ways to Invest in Yourself After Retirement pg 2 Our Clients Say It Best! pg 2 AN INVESTMENT OPPORTUNITY! pg 3 2 Events Coming Soon pg 4


Jamaica Blue Mountain Coffee Festival March 1–3 Newcastle, St. Andrew

This year marks the second Jamaica Blue Mountain Coffee Festival, an event that was started just last year. It’s a three-day festival dedicated to local coffee and celebrating the farm-to-cup tradition. The event plays host to coffee, food, live music, and cultural presentations. Many local artisans will also be on hand with their wares. More information on this event can be found at JamaicaCoffeeFest.com and Facebook.com/JamaicaCoffeeFest.

Poetry in Motion Feb. 24 Manchester Golf Club, Mandeville

Poetry in Motion is an event dedicated to Dr. Louise Bennett-Coverley, aka Miss Lou. It’s an evening with many of Jamaica’s distinguished artists, from dancers to musicians and poets. Performers include Yasus Afari, Professor Mervyn Morris, Professor Fred Hickling, Mutabaruka, Ann-Marie Wilmot, and Karen Smith. The event is scheduled for 6 p.m. at the Manchester Golf Club in Mandeville, and further information may be found at Facebook.com/ PiMJamaica.



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