• Earn competitive interest rates paid quarterly
• Benefit from reduced loan rates
• Borrow over 100% of your savings while still earning interest (* conditions apply)
• Finance your retirement

For more information, please call (876) 926-6973 or send an email.

• Determine the amount you can afford monthly
• Determine the number of years you save (one to 10 years)
• Start with a lump sum deposit and reduce your monthly contribution
• Attractive interest, compounded monthly
• Borrow with your accumulated savings
• Use your accumulated savings as collateral
• Free reducing term life insurance to cover your savings goal, up to J$5 million
• If you should become totally and permanently disabled, your savings goal amount will be paid to you
• In the event of your death, your contracted savings goal amount will be paid to your beneficiary

The SAYE plan is insured under the Golden Harvest Savings Plan Contract with CMFG Life Insurance Company.

For more information, please call (876) 936-3800 or email cwjcu@cwjamaica.com

According to the report, the ‘inertia’ in Jamaica’s fixed income market was first evident in May of this year when a three-year bond priced to yield 7.25% got just J$715 million in subscriptions. An 11-year variable-rate bond issued at the same time was more attractively priced at 7.565 per cent and cleared J$3 billion in subscriptions. Together however, these two issues vastly underperformed when compared to the J$17-billion take-up in April, when investors apparently were desperate for opportunities to park J$60 billion of bond payments in February … more here

• Understanding Jamaica’s Financial Regulations and Laws (offered as a Certificate unit)
• Strategic Portfolio Management
• Mergers, Acquisition and Privatisation
• International Bond and Debt Issues
• Mastering Financial Negotiations
• Corporate Structure and Procedures

Taught by local and international industry practitioners, the programme provides certification and comprehensive, structured and continuous training and information for persons in the Jamaican financial services sector; upgrade the skill/information base of persons who were certified under the JIM Securities Course to a Level II standard and to expose participants to the best practices, standards and operations.

The programme is also designed to enhance leadership skills and gain valuable industry knowledge and to facilitate the development of ideas that will redound to the growth of the sector.

Students will be able to access content, read e-books, take tests, submit papers and perform other exercises relating to each course, via the internet, in a flexible and convenient environment that allows bookmarking of any position in a course for later resumption. The e-Campus system will track usage and scores from tests.

Course Overview
The Diploma course is comprised of three (3) modules. Each module is made up of at least 4 individual courses and runs approximately 12 weeks. Upon completion of each module, successful students will be presented with a Certificate, while he or she works towards completing all modules and accumulating the total credits required to earn the diploma.

Who Should Attend
Securities industry professionals; private wealth managers; primary dealers; investor analysts; stock exchange executives; broker-dealers; fund managers; market services providers and regulatory authorities; Chief Executive Officers; Chief Financial Officers; Corporate Treasurers and Financial Advisors. The course will also be greatly relevant to journalists, current and potential investors and students of management and finance.

Minimum Entry Requirements
• A First Degree in Management Studies, Finance or other relevant Social Sciences Degree; or
• JIM Securities Course or any FSC-approved first level securities course; or
• Three (3) years relevant working experience within the financial services sector.

For more information about the Jamaica Stock Exchange’s e-Campus please contact the JSE by calling (876) 967- 3271.

Tip, Please: As Jamaicans, some of us tend to not practice giving tips. After all, the waiter is being paid, right? While this is true we should not forget that they provide a service that we are able to benefit from and they often do so with a smile despite having to be on their feet for very long hours, being paid a meager salary and having to deal with different attitudes of customers who can sometimes be unpleasant and rude. Leaving a tip also has its perks. If it is a restaurant that is usually booked to capacity, your waiter could recognize you and have you seated ahead of persons who might be there before you. You might even be fortunate to receive a ‘freebie’ on the house, courtesy of an appreciative waiter. The bottom line is that if you receive good service you shouldn’t be stingy. Tip your waiter to show your appreciation.

Network: we often hear about networking and most of us have an idea of how this works. It is all about who you know and remember that everyone is important. Being a loyal, friendly customer means a lot especially to local businesses. If there is a particular business place that you often shop at, try to learn the names of the employees and even their children’s names. This way you develop a relationship with the staff and they in turn might pass on discounts to you early and other great deals that might be free.

Give: There is always something that you can give. It may not be the greatest gift but it will still mean something to the person who receives it. Some of us restrict to a particular holiday or event. If you are visiting a friend who you haven’t seen in a while, then you should take a gift. Do not turn up empty handed to a party where others have taken a gift. Remember a gift doesn’t have to be extravagant to be thoughtful. Even one bottle of soda, a container of ice cream or cookies or even a CD could be useful. This way you save money without appearing stingy.

Pick Up The Tab: It may seem like a big thing to do but think about it. It is a nice thing to do for a friend or friends especially when there is someone else who is always doing it. Try to offer when the time is right. You can plan for it so as not to do it on an impulse and then regret it. It doesn’t need to be for an extravagant event such as a dinner party or VIP tickets to an event. It is a nice gesture that may put you in the good graces of others and maybe someone will return the favour when you least expect or when you really need it.

Stop Begging: It is good to receive but this cannot always be the case. There are times when you won’t be granted any special favours or discounts. Just deal with it. If you miss a sale, then it’s gone. Move on! There will be other sales and deals. If you can’t afford to pay full price for the item that you have been watching for so long, then gracefully decline. You create a bad impression of yourself if you argue about the sale (that you missed) loudly and make other customers uncomfortable. There are other stores, shops, places that carry the same product. Shop around…you may find the same item elsewhere at a lower price or a substitute that is just as good.

Don’t Be Stingy: Do you ever feel irritated by someone who always turns up for lunch but refuses to eat while everyone else is because he/she is trying to save money? Try not to be this person. You make others who are eating feel uncomfortable and inclined to share with you even if they do not wish to. Try to order an appetizer and ask for a glass of water if you do not wish to purchase a full meal for monetary reasons. If you really can’t afford to purchase lunch then simply decline the invitation to go.

There you have it. Spend a little, share a little and give a little so you won’t be perceived as cheap, stingy or mean.

Through SSL, C2W Music has issued a prospectus (available for download here) with an Invitation For Subscription for 100,000,000 Ordinary Shares at J$1.29 per Ordinary Share. 75,000,000 Shares in the Invitation are initially reserved for priority application from, and subscription by, members of the general public.

The prospectus indicates that CW2 Music’s strategic goals consist of:
• Seeking out and developing talented Caribbean songwriters
• Acquiring licensing rights to their compositions
• Successfully promoting commercial use of the compositions
• Enforcing the payment of associated royalties for the benefit of the songwriters and the shareholders of the Company

Of course, the major risk factor is that it’s a start-up company, with zero revenue and no operating track record to show. If you’re investing in this stock, you’re investing in the likelihood that the company will successfully carry out its strategic goals and earn revenue/profit.

The closing date and time for share applications – 4:30 p.m., Thursday 17th May 2012
For more information, please call the SSL Wealth Division at (876) 929-3400.

You can start your NCB Capital Market Wealth Access repo with J$200,000 (or US$3000).

For more information, please call (876) 960-7108.

Venue: Bookophilia, 92 Hope Road, Kingston 6.
For more information, please call 978-5248

• Account must be opened with new funds
• Funds must remain in account for a minimum of 1 year
• Minimum of J$50,000 required to open account
• Rate valid until June 30, 2012

For more information, please see the flyer below, or email ccentre@gsbcu.com

Investors who opened a Tuition Builder Account in November 2010 have seen growth of 14.74% on their investment (up to October 31, 2011). It’s important to note though, that past performance is no guarantee of future returns.

For more information, please call 926-2681.