Content

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.

CEO’s Update - Christmas Message from Keith 3Gift Giving on a Budget 4Traditional Jamaican Christmas – Handy Christmas Recipes 6Movements – Appointments and Promotions 12Live Well 14Joan Duncan Foundation Moments 15Setting & Sticking to New Year’s Resolutions 16Meet The Team – Meet our Managers 19

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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

CEO’s Update

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

Christmas Greeting

from Keith

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A MERRY CHRISTMAS AND A PROSPEROUS NEW YEAR

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.

Budgeting towardsContributed

Michelle Sinclair-Doyley , Client Financial Education Manager

Planning is Key – How much do you need to save every month to achieve your financial goals within your time-line? Saving a part of your Christmas bonus, will allow you to reduce the amount of time it would 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.

Save in Your Goal Account – If you want to ensure the money for your financial goals is “safe”, transfer the money to your goal account before you begin shopping.

Create a Separate Spending

Account – Place only the amount you intend to use for holiday spending in this account. Psychologically, it will help to curtail how much you spend.

Walk with Your Gift List – Do not go shopping without it. Remember, if you go over budget on one person’s gift, it is essential that you go under budget with someone else’s, to balance out.

Encourage Cash Gifts – Where appropriate, suggest that your preferred gift be a JMMB Gift Certificate, towards your special goal.

Make Your List – Make a list of all your intended expenditures, and the persons you would love to treat. Total the amount, then check your list twice, to determine whether there are persons or items you can eliminate. If you are over-budget, but cannot think of eliminating anyone or anything, you can get creative and give some personalized home made gifts.

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

Ingredients

- 1 (10 lbs) fully-cooked, bone-in ham - 1 1/4 cups packed dark brown sugar - 1/3 cup pineapple juice - 1/3 cup honey - 1/3 large orange, juiced and zested - 2 tbsp mustard - 1/4 tsp ground cloves - Pineapple rings - Marachino cherries

SavouryHoney Glazed Ham

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.

• To decorate the ham: Peel off the skin. Use a sharp knife to make diagonal slits in the ham and then stud with remaining cloves. Brush with more glaze. Return to the oven and bake for a further 10 -15 minutes or until a golden brown colour is achieved. Remove ham from the oven.

• 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

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Ingredients

- 1 cup/6-8 oz. of dried sorrel - 2 1/2 cups of sugar - 6 cloves - 1/8 tsp ground pimento or about 12 whole pimentos - 2 rounded tbsp of dry ginger - 1 piece dried orange peel (optional) - 6-8 cups of boiling water - Rum/Red Label Wine ( optional)

Instructions

• Clean and wash sorrel• Place in large bowl/pot with ginger, orange peel,

cloves and grounded pimentos• Add boiling twater, let stand for 24 hours • Strain and add sugar to sweeten• Add Rum/Red Label Wine (optional)• Let cool and pour into bottles. • Refrigerate and serve over ice

**Serves approximately 8.5 glasses

Ingredients

- 1 cup lime or lemon juice - 2 cups strawberry flavored syrup ( or any flavour that

will provide red punch look) - 3 cups fruit juice (Combine 1 cup pineapple and 2

cups orange juice), persons may use other types of juice

- Ginger (optional) - Sugar (optional) - 2-4 cups Jamaican white rum (depending on how

strong you wish to make the punch)

Instructions

• Mix all ingredients together in punch bowl or drink container

• Add sugar to taste, or more syrup• Garnish with slices of lime and/or pieces of

pineapple• Place in the refrigerator to chill • Serve cold over ice

Jamaicans are of the belief that aging improves Rum Punch, therefore, you could refrigerate overnight or at least 2 hours before serving.

**Serves: 10 -12 glasses

Refreshing RichRum Punch Sorrel Drink

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Ingredients - 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

SweetChristmas Cake

- 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

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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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APPOINTMENTS AND PROMOTIONS

Movements

Keisha ForbesHead of Investment Services

JMMB Ltd.

Sharon GibsonGeneral Manager,

Capital & Credit Remittance Ltd.

Kisha AndersonCountry Manager, Jamaica

JMMB Group

Sheron GilzeanGeneral Manager,

JMMB Insurance Brokers Ltd.

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Ways to Keep Healthy This Holiday Season

Live WellHere 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.

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.

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.

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 donates blood pressure machines to Victoria Jubilee Hospital

Inaugural Joan Duncan Memorial Lecture

JMMB supports breast cancer awareness – Team Pink Day

JMMB establishes $1M journalism scholarship

Joan Duncan Foundation Moments

The Joan Duncan Foundation,

the philanthropic arm of JMMB

Group, is built on the pillars of

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.

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1 Write Down Your Resolutions –

It’s more encouraging to write down and have a visual reference for your resolutions. Making a mental note of what you want to achieve is simply not good enough. Make a ‘resolution wall’ with actual images of what your resolution goals will look like, when 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.

Setting & Sticking to your New Year’s ResolutionsNew 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.

2 Focus on one goal at a time – It is possible to have made more than one resolution, however it is imperative that you do not consume yourself with trying to achieve them all at once. Focus on what is your priority goal and try to achieve that one first, and then move to the next goal.

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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 encouragement. Find a support system such as a best friend, church group or even a financial advisor. Share your resolution goals with them and allow them to support you.

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.

Celebrate your Successes – No success is too small to celebrate. Celebrate every milestone reached in achieving your goals. This will give you the added boost needed to keep going, and also to reward yourself for your hard work. If your goal was to lose weight, go ahead and treat yourself to new a new outfit that will flaunt your new physique.

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 TeamSpotlight on Branch Mangers

Joan Edwards Personal Portfolio

Management Centre

Michelle Whitely

Portmore

Vivienne Duncan Ocho Rios & Browns Town

Latanya Monteith-Housen

May Pen

Simone Thomas

Mandeville, Junction & Santa Cruz

Sydney McLennon

Knutsford Boulevard

Rockann

Clarke-Crawle

Haughton Terrace

Lorna Hall

Montego Bay

Lance DuhaneyMontego Bay

Horace Wildes Ocho Rios

Owen FergusonNew Kingston

JMMB Merchant Bank Ltd.

JMMB Ltd.

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