Check out our June newsletter!
JUNE 2018
JMMB ... IN YOUR WORLD
www.jmmb.com | 876 877 5512
MOTIVATION TO BE THE VERY BEST Barbara Mitchell on Love, Integrity, Fun and Togetherness
When I was in high school, I would pass by the bank and see the employees inside. They looked well-dressed, professional and progressive, and I wanted to be the same. Seeing them at work was
more welcoming environment, not just for the people who work here, but for clients and others who visit every day.
Another aspect of the job I love is the people I get to work with. Everyone comes in with common goals, and they deliver on different strengths, personalities and creative minds. On top of that, we succeed in having an open and honest workplace where each person is heard and can freely share what is happening in their space without the fear of it being held against them. Out of the office, I have many passions, including God, self-development and family. As a woman of faith, I love to attend church. I was bestowed with the honour of becoming Deaconess in my church, which is second- tiered leadership in my church. Some other interests include reading, motivational speaking and watching nature. I love going on a drive and seeing the creation around me. It’s what centres me — to know that there is a God who created me and all this beauty around me. I love reading because it helps me experience another perspective through someone else’s lens and learn from others. Through my motivational speaking I encourage women to find their purpose and to fulfil it under God, encouraging them to know they can be anything they want to be through discovering who they are in Christ. Last, but not least, families are the foundation of any given nation and society. Family is the primary institution for development and learning. When the family is healthy, the church, workplace and schools will have people who know who they are and will be confident in what they do. I am passionate about families being functional, so I encourage people to have healthy family lives. I believe anyone can turn their dreams into reality if they believe in themselves. JMMB is a dynamic organization that helps people find their passions so they can live those passions every day. That makes for a happier employee who will produce at their optimum — which, in turn, makes our clients happy! –Barbara Mitchell
motivating and that is what drove me to pursue a career in the financial industry.
I have worked in the financial industry for over 20 years now. I
worked in commercial banking for seven years before I transitioned to investment banking after joining JMMB in 2001. Since then, I have taken on the role of Branch Operations Manager.
In a nutshell, I ensure the procedures for various processes are adhered to, and that our day-to-day operations are in compliance with the standards set by our regulatory bodies. I guide our team members in best practices and make sure everyone is on the same page. I coach and mentor team members to become their best selves. Joining the JMMB team was the best career move I ever made. The stories you hear about JMMB being a loving place to work are all true. When you go into work each day, you don’t feel the stress of “work,” and it all comes back to the work environment, along with the work atmosphere and the people. JMMB embodies its pillars of Love, Integrity, Fun and Togetherness, or LIFT. We live these values every day in our interactions with one another and with our clients. We do everything we can to stand for each other’s greatness, motivating one another to be our very best selves, personally and professionally. One of my favourite aspects of working at JMMB is the physical environment in which we work. The offices are structured for comfort and style — and not in the typical fashion of a financial institution. It creates a
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THE BEST TIME TO BOOK A FLIGHT Save Big on Airfare With This Simple Rule
In case you haven’t noticed, travelling is expensive. It can feel like you’re
given trip go up or down an average of 71 times, about $33 each shift. When you purchase your flight is nearly as important as where you’re going. But how do you choose a booking window that will maximize your savings? According to the CheapAir.com study, in which they evaluated 921 million airfares, the best time to book is 21–105 days in advance of your flight, on average. If you want to get even more specific, try to book 55–75 days out, and book on a Sunday. Many travellers swear by Tuesday and Wednesday bookings, but as Condé Nast Traveler reports, Expedia and the Airlines Reporting Corporation say that Sunday is the way to go, based on data from billions of flights. Tuesday and Wednesday are usually the cheapest days to actually fly, though. The CheapAir.com study also pinpoints the absolute best windows for specific seasons: 54 days for winter trips, 75 days for spring, 76 days for summer and 45 days for fall. Of course, these are averages, but if you stick to these rules and check fares regularly on sites like Kayak.com, SkyScanner.com, Momondo.com and on the handy app Hopper, you can rest easy knowing you’re getting close to the best price possible.
signing away your soul when you sit down to plan a vacation. But when it comes to flights,
there’s good news: They’re getting cheaper!
According to a 2017 report published by online travel company ODIGEO, long-distance trips across Europe fell 7 percent last year. Luckily,
the same trend is reflected in North American airlines as they engage in a price war to woo a growing base of ultrafrugal travellers.
Still, a $600 summer flight to Honolulu isn’t exactly pocket change. What’s worse, flight prices are slippery; CheapAir.com’s 2017 Annual Airfare Study determined that the fares for any
JMMB at a Glance
Meet Kerri Edwards Smith
When your business is helping people take control of their finances and achieve their goals, it’s important to have a team that can connect with your clients. At JMMB, we value our ability to work with many different people and ensure each client enjoys quality service while in our care. We’re able to do this thanks to the hard work of team members like Kerri Edwards Smith.
“My favourite aspect of working with JMMB is assisting clients with their financial goals and helping them achieve their life goals,” Kerri says. “It’s a wonderful feeling to know that I have made clients realise and fulfil their dreams. I proactively help our clients achieve their goals by being in their world, making a positive impact and adding value in every interaction.”
At JMMB, we are truly a family, and it’s that close bond and great rapport that empowers our team to serve our clients so well. It’s financial services with a
core of love; empowerment through excellent client care.
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
For six years, Kerri has acted as a Client Support Officer, handling jobs like loan
Kerri is the kind of person who never fails to deliver excellent
and general administration, transactions, client onboarding and, perhaps most importantly, client experience. Kerri has a warm, friendly voice that clients have come to know, and she’s quite gifted at picking up when clients are in need of special assistance — sometimes even before the client says it — and directing them to the most helpful channels. She wears a lot of hats, but she most enjoys the work she does with clients.
care, whether it’s through transactions, answering questions, or offering her favourite piece of advice: “Happiness comes from
within. Don’t rely on anyone or anything to make you happy.”
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AN INVESTMENT OPPORTUNITY (JUST FOR YOU) Apr-18 Feb 2018 - April 2018 Actual Returns Apr 2017- Apr 2018 (Net of Management Fees) 0.16% -0.52% 3.89% 0.16% -0.52% 3.89% 0.16% -0.52% 3.89% 0.27% 0.64% 2.80% 0.27% 0.64% 2.80% 0.27% 0.64% 2.80% 0.16% -0.52% 3.89%
Projected Long Term Return Per Annum
Fund Strategy
4.00% 5.00% 6.00% 4.00% 5.00% 6.00% 4.00% 5.00% 6.00% 4.00% 5.00% 6.00%
Short Term Graduate Medium Term Graduate Long Term Graduate Short Term Emergency Medium Term Emergency Long Term Emergency Short Term Retirement Medium Term Retirement Long Term Retirement Short Term Wealth Builder Medium Term Wealth Builder Long Term Wealth Builder
0.16% -0.52% 0.16% -0.52% 0.16% -0.52% 0.16% -0.52% 0.16% -0.52%
3.89% 3.89% 3.89% 3.89% 3.89%
Feb 2018 - April 2018
Actual Returns April 2017-April 2018 (Net of Management Fees)
Projected Long-Term Return Per Annum
US$ Wealth Builder > US$ 50,000
Apr-18
US$ High Net Worth Short-Term Conservative Wealth Builder US$ High Net Worth Short-Term Moderate Wealth Builder US$ High Net Worth Short-Term Aggressive Wealth Builder US$ High Net Worth Medium-Term Conservative Wealth Builder US$ High Net Worth Medium-Term Moderate Wealth Builder US$ High Net Worth Medium-Term Aggressive Wealth Builder US$ High Net Worth Long-Term Conservative Wealth Builder US$ High Net Worth Long-Term Moderate Wealth Builder US$ High Net Worth Long-Term Aggressive Wealth Builder
4.40% 4.40% 4.50% 5.60% 5.80% 5.90% 6.70% 6.90% 7.00%
0.62% -0.56% 0.62% -0.59% 0.62% -0.58% 0.62% -0.56% 0.62% -0.59% 0.62% -0.58% 0.62% -0.56% 0.62% -0.59% 0.62% -0.58%
10.03% 10.03%
9.96%
10.03% 10.03%
9.96%
10.03% 10.03%
9.96%
TRIVIA
TAKE A BREAK!
3. WHICH JMMB COMPANY COVERS INVESTMENT PRODUCTS AND SERVICES? a. Jamaica Money Market Brokers b. JMMB Fund Managers c. JMMB Securities Limited d. JMMB Bank
1. WHO IS THE CEO OF JMMB FUND MANAGERS LIMITED? a. Jerome Smalling b. Christopher Walker
c. Sharon Gibson d. Keisha Forbes 2. HOW DOES JMMB ACTUALIZE THEIR VISION FOR SOCIAL RESPONSIBILITY? a. The Give Back Program b. Volunteering c. The Joan Duncan Foundation d. JMMB Good Cause Fund
4. WHICH COUNTRY DOES JMMB NOT OPERATE IN? a. Jamaica
b. Trinidad and Tobago c. Dominican Republic d. Haiti
Solution
3 876 704 3734
JMMB Limited ATTN: Joan Edwards 23 Phoenix Avenue Kingston 10 Jamaica
876 704 3734 | www.jmmb.com
Barbara Mitchell on Love, Integrity, Fun and Togetherness pg 1 Cut Down on Flight Costs With This Simple Rule pg 2 Kerri Edwards Smith, Client Support Officer pg 2 INVESTMENT OPPORTUNITY JUST FOR YOU! pg 3 Two Big Events, One Summer pg 4
WHAT’S GOING ON AROUND JAMAICA?
WORLD CHESS CHAMPIONSHIP QUALIFIER Tuesday, June 19–Tuesday, June 26 Kingston
REGGAE SUMFEST Sunday, July 15–Saturday, July 21 Montego Bay
This year, the Chess Championship Subzonals, a part of the World Chess Championship Qualifiers, are coming to Jamaica for the first time ever. Chess players from around the region will be coming to Jamaica in order to qualify for the next round of global competition. It’s high stakes mixed with good fun. The weeklong event takes place at the Knutsford Court Hotel in Kingston, and visitors are welcome to attend and watch as these professional players take centre stage. Visit Jamchess.com for more information.
July is very much a month of reggae across Jamaica. July 1 is International Reggae Day, a celebration of all things reggae. Then, two weeks later, the 25th annual Reggae Sumfest kicks off in Montego Bay. It’s a week of music and culture, with local artists performing every day of the event. As Jamaica’s biggest music festival, it’s high- energy and authentic. For more information about Reggae Sumfest, see Reggaesumfest.com .
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