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Cops: Guard’s killing was hit from prison

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Published: 
Saturday, April 21, 2018

As murdered security guard Paul Rajcoomar, 41, was buried yesterday under Muslim rites, police investigators received critical information that Rajcoomar’s murder was a hit called from within the prisons’ walls. In so doing, police said they have “very strong leads” and assured that investigations have intensified as a result. An officer, however, sought to dismiss rumours that Rajcoomar was the mastermind behind the February 22, 2010 murders of 68-year-old Carmen Mc Hutchinson and her three grandchildren— Asha Roberts, 23; Javon Roberts, 18 and LL Roberts, 13. They were all gunned down while sleep at their home at Gonzales. Two others were also shot but wounded.

Asha’s daughter, who was four years at the time of the incident, and her aunt were both shot and wounded. Carmen’s son, Mario Mc Hutchinson, the father of Asha, Javon and LL, who was at home at the time escaped by jumping through a window of the house. “Paul Rajcoomar was never a suspect in those murders. In fact was a relative of his who was eventually killed years after,” an investigating officer said yesterday. The T&T Guardian was told that those murders stemmed from gang rivalry between the Gonzales gang and the Bath Street boys. However, the connection to Wednesday’s murder of Rajcoomar, according to police, was that he was scheduled to take the witness stand on Thursday morning against a member of the Gonzales gang.

“He (referring to Paul) had no criminal records and was never known to be involved in gangs. He was just called before the court in an important trial,” a police officer said. Rajcoomar, 41, was an exemplar security guard, according to his employer, Simon Sobrian, managing director of Shield Security Services Limited. On Wednesday night, while near his place of work at Albion Plaza Energy Centre, Victoria Avenue, in Port-of-Spain, Rajcoomar was shot multiple times about his head and body.

He succumbed while undergoing emergency treatment at the Port-of-Spain General Hospital. The incident occurred at about 8 pm when Rajcoomar was approached by a vehicle. Its occupant alighted it and shot him several times. The gunman then escaped. His funeral took place yesterday at Shyam’s Islamic Funeral Home in Cunupia.


CR Highway extension to Manzan stops again

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Published: 
Saturday, April 21, 2018

Construction on the Churchill-Roosevelt Highway extension to Manzanilla has again been halted through a legal challenge by environmental activist group Fishermen and Friends of the Sea (FFOS).

Appellate judges Rajendra Narine, Prakash Moosai and Charmaine Pemberton yesterday granted the group a temporary injunction stopping the construction as they gave them the green light to lodge their final appeal over the dismissal of its lawsuit with the Privy Council.

The judges ruled that the group’s case over the decision of the Environmental Management Authority (EMA) to grant a Certificate of Environmental Clearance (CEC) for the project had a realistic prospect of success.

They said that the injunction was necessary as the potential damage to the protected Aripo Savannas forest reserve which borders the site would be irreparable.

The court’s decision was landmark victory for the group as the court does not usually order injunctions pending appeal in cases where State infrastructure projects have reached an advanced stage as environmental activists groups cannot guarantee compensation for third party liabilities in the even that they eventually lose their legal challenges.

The court ruled that the group could not be expected to give an undertaking in damages as it was a non-profit organisation that was seeking the public’s interest in ensuring a environmentally sensitive area is protected.

Environmentalist Dr Wayne Kublalsingh’s Highway Re-Route Movement was blanked a similar injunction in its fight against the Debe to Mon Desir segment of the Point Fortin Highway, which is yet to be completed.

The group planned to seek an expedited appeal once its documents are filed with the United Kingdom court.

The group is challenging two successive decisions by the High Court and Court of Appeal to strike out its lawsuit, in which it was challenging the process used by the EMA to grant the ministry a Certificate of Environmental Clearance (CEC) for the first phase between Cumuto and Guaico.

The group is claiming that the proposed route infringes on the forest reserve, which was declared an environmentally sensitive area by the EMA in 2007.

Both courts ruled that the case was filed outside the three month statutory limit.

While FFOS was required to file the lawsuit three months after the EMA granted the ministry the CEC on June 22, last year, it filed it exactly three months after it learned of the decision on July 6.

The Court of Appeal also agreed with High Court judge Kevin Ramcharan the 14 grounds raised by the group in its judicial review lawsuit are devoid of merit.

In addition to the appeal, the group filed a separate direct private party action with the Environmental Commission, last week.

Under the action, the group is calling upon the EMA to respond to alleged breaches of the CEC which occurred while the lawsuit is ongoing.

If it does not receive a satisfactory response within 60 days, the group may then pursue its action before the commission, which has the jurisdiction to hear legal challenges of the enforcement of the instruments and policies introduced by the Environmental Management Act 2000, including CECs.

The group is being represented by Anand Ramlogan, SC, Jayanti Lutchmedial, Alvin Pariagsingh, Ganesh Saroop and Robert Abdool-Mitchell. The Ministry of Works was represented by Ian Benjamin, while Deborah Peake, SC, and Ravi Heffes-Doon represented the EMA. Contractor Kallco was represented by Dougas Mendes, SC, and Devesh Maharaj.

Parents threaten Parliament protest for new school

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Published: 
Saturday, April 21, 2018

radhica.sookraj@guardian.co.tt

Frustrated with the reluctance of the Government to rebuild their new school, parents of pupils attending the Princes Town Presbyterian No 1 school yesterday vowed to take their protests outside the doors of Parliament next week.

Speaking to reporters during a candlelight vigil and procession on Thursday night, PTA president Nola Ramjohn-Karim called on Government to find the money to rebuild the school as it was the top performing school in the South Eastern Educational zone.

Singing hymns as they marched from Teelucksingh Building to Edward Street, Princes Town— where their school once stood, the parents said their children’s education was in jeopardy. More than 500 pupils from Presbyterian No 1 have been sharing accommodation with 482 pupils at the Princes Town Presbyterian No 2 school in a shift system.

Ramjohn-Karim said if the Government does not find money to rebuild the school, they will be heading to Parliament next week to protest. She said parents will continue to keep their children away from classes until the Government fulfils its promises.

However, Princes Town MP Barry Padarath said if Government is serious about rebuilding the school, then a financial variation can be requested in Parliament during the mid-year review in May.

A financial variation allows the Government to divert monies by increasing the budgetary allocation from one ministry over another. Finance Minister Colm Imbert is expected to pilot the 2017/2018 Financial Appropriation Bill on May 1.

Padarath said, “It seems they want to collapse Pres 1 and merge it with Pres 2 but that does not make any sense because Pres 2 is already full. Pres 1 is the top performing school in the South Eastern zone. Why would they want to do this?”

He said on February 2017 Education Minister Garcia told parents that the school will be rebuilt.

In August the structure was torn down and the Presbyterian Board gave the ministry permission to rebuild.

However, Padarath said during his last conversation with Garcia, he was told the school reconstruction is not a priority at this time.

Garcia, at a press conference, said reconstruction of the school was being hampered by low funds. However, Minister of State in the Ministry of Education Dr Lovell Francis said the cycle of funds which could have been used to rebuild the school were exhausted. He said the Government was now looking at sourcing funds to execute the project.

SWRHA apologises for denying three cops medical attention

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Published: 
Saturday, April 21, 2018

The South West Regional Health Authority (SWRHA) has apologised to three police officers who were reportedly refused medical attention at the Couva District Health Facility.

The SWRHA was responding to an article published in this newspaper on April 20 about three officers, dressed in police uniform, who went to the health facility after receiving minor injuries during the arrest of two men.

However, WPC Anisa Ali, PC Kevon Vialva and PC Mark Ramkalwan, attached to the Couva Police claimed they were refused treatment because they did not have a medical card.

In a press release yesterday, the SWRHA stated that it was currently engaged in discussions with the officers at the Couva Police Station to finalise the report on the investigation and appropriate action will be taken.

The SWRHA sought to assure the public that it is not the authority’s policy to deny access to any client seeking medical attention at any of their healthcare facilities.

The release stated, “On Sunday, 15th April, 2018, at approximately 3.40 am three police officers accessed healthcare services at the Couva District Health Facility’s Emergency Department. As is customary, at the start of the triage process, especially for repeat clients, staff inquired the purpose of the visit and whether or not one of the officers had an Emergency Department Registration Card. It has been and continues to be our practice that all clients accessing healthcare at any of our facilities, especially emergency care, receive the best clinical care as quickly as possible. Unfortunately, the police officers left prior to completing the triage process. As a result, we wish to extend an apology to the Trinidad and Tobago Police Service, as well as the three police officers for any misunderstanding and inconvenience caused as a result.”

The SWRHA reaffirmed its commitment to the continued provision of healthcare to the population of the South-West Region.

 

Pensioner found dead in house

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Published: 
Saturday, April 21, 2018

Police are investigating the death of pensioner Josephine O’Hara, whose decomposed body was found inside a house at Kenny Cyrus Street, Enterprise, Chaguanas, yesterday.

Investigators said neighbours called them after reportedly getting a foul stench from her compound. Officers said when they got into her house, they found O’Hara lying on a bed surrounded by clothing, bags and boxes. The body bore no marks of violence and police said it appeared she was in the house for more than two days.

Police officers of the Central Division, Homicide Region III and Crime Scene Investigators responded and ordered the body removed to the Forensic Science Centre for an autopsy.

Mahabir-Wyatt: Don’t rush to judge teen yet

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Published: 
Saturday, April 21, 2018

It could be “nature not nurture” which led a troubled 15-year-old boy to brutally attack his mother on Thursday, head of the Coalition of Domestic Violence, Diana Mahabir-Wyatt, said yesterday.

Calling on the public to take a pause before criticising on how the teenager was raised, Mahabir-Wyatt said scientific studies show there are genes associated with violent crime which lead people to commit violent acts.

“Some young people are born with violence in their DNA and research shows if you have a parent or grandparent who is quick to anger and had a propensity to violence, it was possible that you also could inherit violent genes. I cannot be sure if that is the case with this teenager. His action was so irrational,” Mahabir-Wyatt said. However, she noted that the mother’s decision to take away the boy’s cellular phone, which is being looked at as a possible trigger to the brutal attack, was normal.

Mahabir-Wyatt said the teenager has to receive counselling and an assessment must be done to determine whether there was any incident from his childhood that imprinted a pattern of anger in him.

Asked what parents could do to identify these violent genes before it’s too late, Mahabir-Wyatt said if anyone has a child who was always angry they must seek professional help.

“The child needs to get help right from childhood, from the age or three or four,” she said.

She admitted that accessing the services of a child psychologist privately could be expensive. However, she said Childline can provide assistance to children free of charge.

“The Children’s Authority is overworked but you can call them or you can call Servol and a professional can examine and assess the child,” Mahabir-Wyatt said.

She said the Coalition Against Domestic Violence also has social workers who can provide guidance to the parents and the affected child.

She explained, however, that if a child displays a progressive pattern of violence and anger it should be picked up by school officials.

Meanwhile, the Ministry of Education said the Student Support Services offers counselling and advice to troubled children. Divided into four major units, Guidance and Counselling Unit, Social Work Unit, Special Education Unit and Development Assessment Intervention Unit (DAIU), the SSS provides psycho-social, educational and behavioural services for students, the ministry said.

Asked whether the SS was fully staffed to deal with all incidents, a ministry official said yes.

“There is no incident that we have not dealt with.”

In light of reports that some school principals may keep incidents of violence under wraps to protect the image of their school, the ministry official said parents can go to any educational division and lodge a report there.

“In most cases, the standard procedure is to talk to the principal and the school does a referral, but if you think that principal is covering it up you can talk to the school supervisor directly or call the SSS directly,” the official said.

The ministry said it was continuing to collaborate with the T&T Police Service to do seminars on conflict management and student indiscipline.

On Tuesday, the boy had an argument with his mother over the seizure of his cell phone, following which he chopped her several times, severing her hand. She remains warded at the San Fernando General Hospital.

FOR HELP CALL

Childline- 800-4321
The Children’s Authority Hotline Numbers: 996/800-2014
Police: 999
ChildLine: 131 or 800-4321
Victim and Witness Support: 624-8853
Child Guidance Clinic: 726-1324
National Family Services Division: 624-8218 or 627-1163
Coalition Against Domestic Violence- 624-0402
Student Support Services 622-2181; Ext 1033/1034/1035/1036

Fishermen still stuck in V’zuela

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Published: 
Saturday, April 21, 2018

The three Cedros fishermen who have been in Venezuela for the past three weeks still cannot leave the country because one of them does not have proper identification. This was confirmed by Cedros councillor Shankar Teelucksingh, who said National Security Minister Edmund Dillon informed him of the latest impediment yesterday.

Two of the men, Awardnath Hajarie and son Nicholas, have identification cards, but Shami Seepersad does not even have a birth certificate, which means he will not be able to get the documentation needed to leave Venezuela for now.

This came a day after Dillon and acting Prime Minister Colm Imbert said the Government was seeking permission from Venezuela to send a Coast Guard vessel to bring the fishermen home. Responding to claims Government was not doing enough to help the fishermen on Thursday, Dillon said they had opted to stay at the home of a relative instead of returning home upon their release.

But their relatives in Cedros have not spoken to the fishermen since they were arrested by the Guardia Nacional for allegedly fishing in Venezuela water on April 5. They were reportedly released from custody on April 11 and were expected back home earlier this week, but the vessel they were due to come back in had no fuel.

Yesterday, Teelucksingh accompanied Seepersad’s mother Afrose Gannah and sister Rachel Hosein to the Cedros office of Justice of the Peace Deodath Toolsie to get the necessary paperwork.

Teeluckingh said, “The identification and travel documents are required for the fishermen to board a vessel in Venezuela back to Trinidad, which we have been reiterating before.”

He said the T&T Embassy in Venezuela had failed to properly update the Security Ministry on the requirements for the fishermen’s return. He said Hajarie and his son’s identification card had been faxed to the Embassy but they were trying to get the necessary documents for Seepersad. (See editorial on Page A16)

“What is the Minister of National Security’s role? And what is the Prime Minister’s role in this, he is the head of the National Security Council of T&T. I am calling on these goodly ministers, yesterday they were having good time around the table and saying that these fishermen are free to travel and free to roam the Venezuela community, which is totally false.”

As a tear streamed down her face, Seepersad’s mother said the only information she was getting about her son was from the councillor.

“It is very sad,” said the heartbroken mother.

Gannah Afrose signs an affidavit in order to obtain the birth certificate for her son Shammie Supersad, who is still in Venezuela. Looking on, from left, are JP Deodath Toolsie, her daughter Rachel Hosein and councillor Shankar Teelucksingh. PICTURE RISHI RAGOONATH

456 staffers to be regularised

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Published: 
Saturday, April 21, 2018
UTT, OWTU in critical talks

Over 400 University of T&T (UTT) staffers have been promised regularisation and permanent employment in their respective positions, despite the fact that the institution is seeing “financial hard times.”In an OWTU/UTT branch bulletin on the UTT issue yesterday, it was revealed that 456 employees would be regularised. The bulletin was titled: “Permanency is on the Horizon!” and read: “After two hours…of heavy negotiations by OWTU a response came. UTT agreed to regularise the workers. It was agreed that the permanency letters will be confirmed and distributed in batches. These letters will be based on seniority of tenure for completion of the process.”

Acting under the directions of the Industrial Court to resume regularisation discussions, UTT finally agreed to meet with the union on Wednesday. An OWTU executive team, led by second vice president Sati Gadjadhar-Inniss and senior labour relations officers Gregory Marchan, Valarie Phillip-Paul and the OWTU-UTT branch committee, met with UTT management, led by deputy chairman of the UTT’s board of governors, Professor Clement Imbert, at the O’Meara Campus.It was agreed the first batch of workers will be confirmed in mid-May (10 years and more service), the second batch in mid-June (five to nine years service) and the third batch in mid-July (less than five years service). After selection the employee lists will be sent to the OWTU for verification, then confirmed and signed off by both parties.Whilst 456 contract workers will be made permanent, the UTT remains fixed in its proposal to retrench 287 workers, including staff from academics, as it is expected to save over $40 million. This restructuring plan was announced on January 15 by UTT president Sarim Al-Zubaidy. Gajadhar-Inniss had confirmed then that the union received the proposal.Contacted yesterday, Imbert confirmed the regularisation process had been approved, adding some employees were on three-year contracts while others were on a month-to-month basis.

The university has been facing possible turmoil since UTT’s board of governors chairman Prof Kenneth Julien announced that it would be hard to continue operations beyond January 2018 due to the challenges created by a further 11 per cent decrease in UTT’s 2017/2018 recurrent allocation to $200 million.

On December 12, 2017, Al-Zubaidy also informed UTT’s student body that there will be no new intake of students for the 2018/2019 academic year in three of the university’s major programmes: Biomedical Engineering, Environmental Science and Management, Bioscience and Agriculture and Health Sciences.

Despite this, $323,059,056 of the university’s “unspent funds” have been transferred to its Signature Building Complex project at Tamana InTech Park.


Foreign Exchange from EximBank —Oasis or mirage?

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Published: 
Saturday, April 21, 2018

The announcement from Finance Minister Colm Imbert that EximBank has been granted a licence to trade in foreign exchange appears like an oasis in the desert to most manufacturers.

The minister must be commended for finally following through with the promise made in last year’s budget to alleviate the problems faced by manufacturers in obtaining foreign exchange.

It’s is hoped that both the choice of the “approved” manufacturers and the eventual distribution would be equitable and there will be no discrimination based on the size of the organisation as was done in the past.

Recognition and consideration must be given to small manufacturers, those who export through agents/third parties and most of all, for those manufacturers who currently were unable to export as they did before because of the lack of foreign exchange.

Finally, it is hoped that EximBank would sell foreign exchange at market rates not at a rate plus a commission. Any further cost and bureaucracy which would add to the cost of doing business to the already struggling manufacturing sector would only serve to further cripple the industry.

The Ministry of Finance and the Central Bank would be best advised to formulate a fair and balanced plan to benefit all genuine manufacturers.

R Ballard,
Diego Martin

Lydians showcase on the Mount

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Published: 
Saturday, April 21, 2018

Hot off a resounding success and over ten championship trophies at the recently concluded T&T Music Festival, The Lydians head to the majestic setting of The Abbey of Our Lady of Exile at Mount St Benedict for a fund-raising concert in aid of the church.

Titled Lydians on the Mount—Glorious!, this fourth edition of the choir’s collaboration with the Abbey continues the celebration of Easter featuring the Lydian Singers and Steel on Sunday, April 29 from 6 pm, against the rolling backdrop of the Northern Range. Within the magical acoustics of the Abbey on the Mount, the Lydians will make a joyful noise with voices, steel and instruments celebrating the Risen Saviour, Jesus Christ, The Lord.

With this fund-raising effort, the Lydians continue to offer its community music ministry in support of the Abbey in its efforts to restore the holy site and continue its mission.

Founded in 1912, Mount St Benedict is the home of the Benedictine monks who live and work in T&T and is the oldest monastery in the region. They follow a way of life that traces its roots to St Benedict of Norcia who was born in Italy in the year 480.

Educated in Rome, Benedict of Norcia was exposed to the onslaught of hedonism that was rampant at the time, as people became disoriented from their principal purpose in life. Benedict sought out the solitude of a cave at Subiaco, some 30 miles east of Rome, to recapture what he perceived to be the primary purpose of life: the search for God.

This Easter, the Lydians do it all for the glory of God. Lydians on the Mount – Glorious! will be inspired by two verses; 1 Corinthians 10:31 - “Whether you eat or drink or whatever you do, do it all for the glory of God,” and 2, Corinthians 4:6 - “For God, who said, ‘Let light shine out of darkness’, made his light shine in our hearts to give us the light of the knowledge of God’s glory displayed in the face of Christ.”

The concert will feature both quietly prayerful and fanfare choral works and will include a special selection of 2018 T&T Music Festival performances including championship winners Alliyah Boland, Janine Charles-Farray, Kory Mendez, the Lydian Ladies and Lydian Men’s choirs. Genres to be offered will include Operatic arias, Gospel and powerful Negro Spirituals including I Know I’ve Been Changed passionately performed by Tenor soloist David Williams backed by the full choir, all under the musical direction of Lorraine Granderson.

A section of folk, calypso and a local original local composition by John Jacob with the Lydians will also feature along with the fanfare concert signature piece, Glorious Everlasting by Cousins. The Lydian Steel ensemble will accompany the choir along with Lydian African drummers. Lindy-Ann Bodden-Ritch along with Myrtle Cumberbatch will accompany the choir on keyboards with Lydian Steel led by co-Captains Tonya King and Astra Noel. Sound will be provided by Kino Alvarez.

Tickets for Lydians on the Mount—Glorious! are only $150 and are available from all Lydian members and from the Information Booth at the Mount St Benedict. Parking for patrons is available in the church yard.

For reservations call: 268-9556/338- 6024 or e-mail thelydiansingers@yahoo.com

Kathak Kala Sangam celebrates

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Published: 
Saturday, April 21, 2018

The Kathak Kala Sangam (KKS) celebrates its tenth year of operation as an institute for the Fine Arts in T&T. Founded in 2009 by author, choreographer, director and dancer Dr Satnarine Balkaransingh, Samaroo Dowlath and a group of like-minded supporters of the arts, it has grown steadily over the years into a literary, teaching and performing institution. The Sangam teaches vocal and instrumental music and Kathak classical and Indian folk dances. Its teachers, Purva Joshi, Shivan Seenath and Balkaransingh, are all performing artistes.

To celebrate its milestone anniversary, the Sangam, which is a convergence of all aspects of the arts; literary, creative, performing and culinary arts, is hosting a concert and dinner on Friday, April 28, at the Chandelier Hall, 3rd Floor, Passage to Asia, 7 Yves Street, Chaguanas. This fund-raising event also coincides with the beginning of the Indian Heritage Month 2018.

The evening’s programme begins at 6.30 pm with performances by Smt Purva Joshi, Shivan Seenath, the Kathak Kala Sangam Performers and Balkaransingh, together with guest artistes Amit Sooknanan, Sunil Ramnath, Pooja Malhotra and young vocal sensation Neval Chaitlal in classical, folk and contemporary items of music and dance.

Having just returned from a successful concert in New York in March, Balkaransingh will team up with young artistes of the Sangam to perform in the concert. This one-hour concert will be followed by an authentic and sumptuous Indian vegetarian dinner at 7.30 pm which Passage to Asia restaurant is ideally suited to tantalise the taste buds.

Contributions ($200) to this fund-raising event would be used for a major concert later in the year.

Tickets for the event are available at Little Store and Praimsingh’s Pooja Bhavan, Curepe; Valini’s Drugs, Sutton street San Fernando; Naipauls and Raj Jadoo’s Stationery and book store, Arima; and, from all members of the KKS. Parking is secured so patrons a can enjoy the evening free from worry.

Information on the event available on the Sangam’s Facebook, or call (309-5151), or email kkalasangamtt@gmail.com

Dr Sat Balkaransingh

Sustainable schools—myth or purposed reality?

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Published: 
Saturday, April 21, 2018

The Caribbean has felt the devastating effects of climate change more than ever over the past year.

From the passing of two Category 5 Hurricanes (Irma and Maria) that devastated so many countries in the region to unparalleled flooding in parts of T&T, this is the worst it has ever been.

It is because of these activities and many others which have happened in and to our Caribbean neighbours that so many questions are now raised. Can we start making changes to mitigate and adapt to our changing climate? Where do we start? Should environmental issues and management become a priority of the government’s agenda? These are the types of questions which are crucial to Sian Cuffy-Young, behaviour change consultant and managing director of Siel Environmental Services Limited. In her opinion, the answers to some of these queries may be inherent in education for sustainable development(ESD).

“Climate change mitigation and adaptation are of paramount importance now more than ever,” says Cuffy-Young. “It can provide the appropriate knowledge, skills and behaviour change where informed decisions can be made and actions taken for climate resilient sustainable development.” According to her, the starting point for this important change is with our nation’s schools and with our children through ESD and the creation of sustainable schools.

What is a sustainable school?

Cuffy-Young explains that it is one that cares about the waste it produces, the food it serves and even what the food is served in. It involves the energy and water the school consumes and prioritises the difficulties that may be experienced in the surrounding community.

Cuffy-Young explains that by definition, “ESD calls for sustainable development to be integrated throughout the formal curriculum in a holistic manner, rather than being taught and/or experienced on a stand alone basis.” This means that a school will incorporate teaching and learning for sustainable development not only through aspects of the curriculum but also through sustainable school operations such as integrated governance, stakeholder and community involvement, long term planning and sustainable monitoring. It also is the promotion of relevant and interdisciplinary education that fosters critical thinking and problem solving which leads to active and participatory learning.

She explains, “Children are powerful agents of change and research has shown that providing them with empowering and relevant education on a myriad of environmental issues, inclusive of climate change for instance in a nurturing school environment can reduce their own and their communities’ vulnerability to risk and contribute to sustainable development.”

Cuffy-Young stresses that ESD must be locally relevant and culturally appropriate. Schools like Sandy Bay Primary and Junior High in Jamaica are examples of ESD being implemented in the Caribbean. This programme was divided into four categories in which each school participated, managing garbage, “greening” the school, establishing an environmental club and conducting environmental research. It seeks to involve schools in activities which improve the school environment, increases student environmental knowledge and enables schools to serve as sound environmental management within the local community. Right in Trinidad, Cuffy-Young noted and applauded the work of Bishop Anstey/Trinity College East, a school she has worked with, on theirefforts with ESD with its integration into the school’s pillars of operation.

These days the schools are working towards exemplifying sustainability in teaching and day to day practices so that students not only learn about sustainability in the classroom but experience sustainable living through everyday school life. They have done plastics recycling and school gardens.

While these programmes are progressive and commendable, Cuffy-Young explains that for this to become more widespread in the Caribbean and T&T, there must be buy-in from the top down starting at the Ministry of Education with the principals, the teachers and finally the students.

“There must be an understanding and appreciation for how important the creation of an environmentally literate society is and how that step begins with the children,” she emphasises. “It is necessary to have a society in which the individuals as a collective make informed decisions concerning the environment and are willing to act on these decisions to improve the well-being of others, society and the global environment. It must be a society that participates in civic life.”

Besides the benefits to the environment, ESD promotes out of the box thinking and a willingness to adopt strategies outside of the norm and formal way of learning. It involves the integration of both formal and informal instruction as out of school education can be just as enriching as learning in school. It helps students understand our environment and related issues of sustainable development. It provides a means of bringing the curriculum alive, and it can promote health and well being benefits as well as opportunities for children to learn how to evaluate and manage risks “Learning also about the place they go to school and interacting with it harnesses the students’ curiosity and encourages them to ask those hard questions, to think and be more independent in their learning while the teacher becomes the facilitator of that process and the imparter of knowledge,” says Cuffy-Young.

She also emphasises the lasting impression ESD can have on our\ students and their futures.“We need to create future leaders, future decision makers, movers and shakers who care about what’s happening in the world at large. Environmental education through the route of sustainable schools does just that - it focuses on what we know works, makes learning relevant, sparks interest, challenges ideas, nurtures curiosity, hones skills, inspires action and helps all involved learn how to learn.”

Cuffy-Young has herself developed a programme through her own business to help apply ESD to local schools. If you would like your school or a school you know to be a part of her Sabrewing Sustainable School programme, contact her through email at sian.young@ sielenvironmental.com.

More info

Principles under which a sustainable school programme operates include:
• Health and Wellness
• Green practices e.g. gardening
• Responsible transportation and reduced emissions
• Water conservation and pollution reduction
• Energy conservation
• Structures for environmental learning
• Habitat restoration
• Solid waste reduction
• Community partnerships
• Environmental education

Celebrating creative entrepreneurs

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Published: 
Saturday, April 21, 2018

The upcoming event, Creative Juice: A Creative Entrepreneur Expo highlights and celebrates entrepreneurs in the creative field. The expo takes place tomorrow at the Pleasantville Community Centre, San Fernando.

The event is being put on by the Youth Can Create programme, as the final year project of Department of the Creative and Festival Arts (DCFA), UWI, St Augustine student Shedrack Worrell. He explained, “The Festival Project of the Bachelor of Arts in Carnival Studies requires students to develop and implement a programme based on a talent or skill which they possess which they feel needs to be shared with and will benefit a particular group or community.”

Worrell made the decision to focus on Event and Festival Management, as he felt this was the area where he had the most knowledge to contribute. “The programme is about teaching and imparting knowledge on a specific group in the field of events and festival management, creative planning and business for the arts by extension. In addition, it creates a practical experience as they will be planning, designing and running the expo.”

Worrell chose to work with six members of YOUSERVE, a youth ministry group attached to the Our Lady of Perpetual Help RC Church in San Fernando. He said: “When I pitched the idea to the chairperson Lee Quan Chan, she immediately said this is something they need, because the group has events and activities that they throw as the ministry group for the parish and they really need to brush up on their creative skills and think differently and more creatively.”

Worrell said the expo is also based around creating a creative design experience for attendees. He added that this is an upcoming trend in marketing, which he learned about from his mentor Brendon Brathwaite of Buzz Concepts.

“Experience design means you don’t just come to the expo to watch the exhibitor and the items, but you engage with them. Our Expo has a theme, passion fuels the process, and using this theme we are encouraging our exhibitors to not only tell their story but to show their story and the process by which they convert their skills or talents to products or services.”

Other exhibitors will include Artspire Theatre Arts Company, spoken word artiste Kyle Hernandez, singer Dominique Friday, graphic design companies NZ Creations Graphic Design and Out the Box Designs, pannist Dike Samai, limbo dancers and others.

Worrell added: “Most importantly though we have a segment with creative entrepreneurs teaching the business aspect, so we have a financial advisor coming to advise the exhibitors, because creatives need to learn how to manage money and we need the basic tools to survive, especially as entrepreneurs. We also have a motivational speaker, a reputable creative entrepreneur in events and a group which does team building coming to do Business Development.”

Most of the exhibitors were hand-selected from Pleasantville and the surrounding communities and Worrell said this is an aspect he wants to build into the project when it is run again.

“I think moving forward we can really pull people from the community who have small businesses and who are creative entrepreneurs in some regard or are aspiring, where they could have a chance to meet the public and showcase themselves. I think it will be good for the neighbourhood to realise that you can make a living from being a creative, as people ultimately think that creative entrepreneurs are broke.

Creative entrepreneurs aren’t celebrated but as our theme says, passion is something that really plays a key role in the success of your business and is a continuation of your business. Something like this is needed to really bring awareness to Trinidad and to the communities that this is actually a job.”

• For more information, email youthcancreate@gmail.com, telephone 268-4463 and find Creative Juice - A Creative Entrepreneur Expo on Facebook. Admission is free.

Shedrack Worrell

Callender heads 6 T&T athletes for Grenada

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Published: 
Saturday, April 21, 2018

National sprint champion Emmanuel Callender and quarter-miler Lalonde Gordon are listed among six athletes that will compete at the Grenada Invitational this evening at the Kirani James Athletics Stadium in St George’s.

The others are hurdlers Sparkle Mc Knight, Emanuel Mayers and Jameel Joseph and middle distance runner Alena Brooks.

Both Callender and Gordon, who recently competed at Commonwealth Games on the Gold Coast in Australia, are in the line-up for the Men’s 200 metres B race at 6.40 pm.

Later, Callender will race in the men’s 100m B event at 8.10 pm.

Mc Knight, who was part of T&T team at the Games, will race in the International Women 400m hurdles against Jamaicans Leah Nugent, Kalisse Spencer and Yanique Haye-Smith and USA trio Kayla Barber, Cassandra Tate and Kiah Seymour at 7 pm.

Both Mayers and Joseph will line up in the men’s version of the race at 7.10 pm. In the 400m hurdles, they will race against Quincy Downing (USA), Rilwan Alowonle of Nigeria and Jamaica’s Andre Clarke.

Brooks gets her turn to race in the International Women’s 800m at 7.25 pm.

Milo targets 5 footballers for Barcelona stint

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Published: 
Saturday, April 21, 2018

The Good Food, Good Life company is set to give five skilled young footballers, ages 7-12, an opportunity of a football experience of a lifetime abroad, through the second MILO® Football Skills Tournament on Tuesday.

Last August, Nestle Milo through its partnership with FC Barcelona (FCB) took three young players Addae Pamponette, Dantaye Gilbert and Tau Lamsee on an all-expenses-paid trip to Spain where they trained with Barcelona Soccer School, toured the city and participated in a host of other special activities that were planned for them and 93 other children from across the world.

In 2017, Nestle and FC Barcelona signed a four-year global partnership based on a shared vision to positively impact the lives of 22 million youngsters during their foundation years (7- 12) which will be broken down to 7-9 and 10-12 age brackets.

The partnership will promote healthier lifestyles among children through physical activity and will see the brands conduct a series of initiatives across Asia, Oceania, Africa and Latin America. Patricio Torres, Head of Market of the company’s Anglo-Dutch Caribbean region, said the partnership is “in complete alignment with Nestle’s global goal to help 50 million children live healthier lifestyles by the year 2030.”

Robin Cumberbatch, Business Executive Officer Nestle Anglo-Dutch Caribbean, highlighted also that “in a time where budgets are cut and businesses are forced to close doors, Nestle has implemented measures to see to it that five children, instead of three from T&T will receive the opportunity of a lifetime.”

He stated further “Even in a difficult economic climate, Milo will continue to support our youth.”

The Milo® Football Skills Tournament will take place in May and June. Competences in five skill-sets will be tested by the Football Factory Foundation- passing, dribbling, composure, running and control. It begins at the Mt Pleasant Grounds in Tobago, May 19 where the winner will be selected. Similar tournaments will also be held at the Hasely Crawford Stadium in Mucurapo May 26 and the Ato Boldon Stadium in Balmain Couva where the top four will be chosen.

Over 400 children registered and participated in last year’s tournament and the company hopes to see a marked increase in these numbers. Registration will be done via the MILO® Caribbean Facebook page or online at www.nestle.tt/milofootball. As part of the process, a 400 gram Milo® pack must be purchased which, like last year, will be collected on entry at each tournament trial and donated to less fortunate homes within communities across T&T. NourishTT will coordinate donation of the MILO® packs.

In October, the five young players will join two from Guyana and Barbados to travel to Barcelona for a two-day clinic with FCB coaches and a number of other fun football-related activities. The MILO® Football Skills Tournament is just one of the many activities planned by the brand in T&T to advance the partnership’s global mission.

To contribute to improvement of the lives of 22 million youth, MILO® TT will offer another chance to visit Spain to one lucky child in July 2018 for travel in November through its “enter to win” promotion and will also execute other activities throughout the year.

2017 winners Addae Paponette, Dantaye Gilbert and Tau Lamsee pose with Robin Cumberbatch, Business Executive Officer - NESTLÉ Anglo Dutch Caribbean Region at Thursday’s launch of the 2018 MILO Football Skills Tournament in POS. PICTURE WALTER ALIBEY

Whisper to Control Unit

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Published: 
Saturday, April 21, 2018

Whisper Light is my selection to win today’s feature event over 1,100 metres on the main track at Santa Rosa Park in Arima.

Whisper Light which ran a brave race last time out will not doubt have come on from that outing and therefore must be the horse to beat over this trip.

Former champion trainer Glenn Mendez has two runners in the event with former sprint champion Control Unit and the top-class performer Whisper Light in the $51,000 purse event.

Stablemate Whisper Light which will be ridden by Ricky Jadoo, has never given weight to Control Unit and beaten him but is in great form and can break the jinx if the former champion sprinter is not at his best.

Control Unit which will be partnered by the in-form Wilbert Leon, has been allotted 53 kilos, a weight he has not carried in some three years. He must have an outstanding chance to return to winning ways if anything near his best.

The Harriram Gobin trained Stockyard will be seeking a hat-trick of wins for champion owner Shivam Maharaj but may find this trip on the short side this time around. He will take along 56 kilos and Wilmer Galviz will be his pilot. His stablemate Conquest Bespoke is top-weighted with 57 kilos and must not be written off with the stable first call rider Prayven Badrie in the saddle.

The well weighted Holy Man must be respected with his light-weight of 47.5 kilos. He will be ridden by apprentice Ri Hernandez and is expected to go very close.

Post time is 1.05 pm.

San Pedro shows amazing support for cricket

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Published: 
Saturday, April 21, 2018

In an amazing show of support for its under-10 cricketers, the sleepy village of San Pedro Poole came alive on Friday evening with hundreds showing up to support the future cricketers of this country.

Villagers came out in their numbers, some sitting under trees, others on top branches and others in hastily built tents. The young cricketers were not deterred by the presence of the huge crowd and they gave a good showing with the Kumar Rampat Cricket Academy coming out victorious by seven wickets.

Also present at the event were some of the national U-15 cricketers who had just returned from Jamaica. As a matter of fact just to inspire the under-10 boys, some of the national cricketers served as umpires for the game. The match was organised by Neil Ramdath and Allan Gopaul from KRCA. Kumar Rampat the CWI Territorial Development Officer was also present to interact with the young cricketers. His son Krishan, who runs the academy, was there to lend support to the young cricketers. Councillor for the area Henry Awong, who lent tremendous resources to have the ground ready, also took time out of his busy schedule to meet the children.

The KRCA cricketers were sent across in their team bus which left California at 11am for the long trek. At the end of the game Ramdath organised dinner and drinks for everyone who was at the ground. The countryside ground provided a unique charm for the young cricketers who were throwing themselves around in the sand to stop balls in front of a very appreciative crowd.

Gopaul explained to T&T Guardian that: “This under-10 cricket tour being under taken by the KRCA will be happening across the country. We are using the cricket as an education tool as well because we are taking our kids around the country so they can learn things about the place. We have gotten invites to go to Cedros, Toco, and we will also be hosting other young cricketers right at our home base in California.”

Crecent Sports Club 142 vs KRCA 143/3 (Tyler Ramroop 36no, Adan Gopaul 11no) - KRCA won by 7 wkts.

Mc David grabs 8 wickets in Biche cricket

Nathaniel Mc David created a record in the Biche T20 cricket tournament when he returned the best ever figures in the league by a bowler.

The pacer took eight wickets for 12 runs in four overs to fire his team Central Empire to a massive 185-run victory over Unique Sports. Central Empire batted first and scored 216 for eight off their 20 overs with Salem Hosein helping himself to 80 runs and Christian Thurton made 38, the best of the batsmen.

Unique then went in the chase of the score and was embarrassed by Mc David who snared eight wickets to humble them for just 31 runs.

In another matches, Akeem Alvarez scored a century as did Jesse Bootan, to give the noisy crowd on hand value in entertainment. Alvarez needed only 50 balls to score 117 against Young Guns, as his team won by 82 runs. In the latest match. Bootan scored an unbeaten 116 off 53 balls to lead Young Guns to 163/9 in 20 overs. The home team Biche then made light work of the target getting to 164/4 with three overs and five balls to spare. Red Force player Roshan Primus made 48 not out, while Navin Bidaisse scored 42. Action continues this weekend.

Championship T20 Quarter- Finals at NCC

The quarterfinals of the Championship Division T20 competition organised by the T&T Cricket Board will be contested this weekend.

Today, MYO will come up against Rousillac from 2.30 pm, while in the second match of a double-header, Preysal will do battle with Moosai Sports from 6.30 pm.

Tomorrow Calcutta will oppose Fulham in the first match, while Defence will clash with Barrackpore.

Venue for the quarterfinals on both days is the National Cricket Centre in Balmain, Couva.

At stake will be places in semi-finals of the competition, and teams will be playing with a white ball and coloured clothing.

Desperately seeking employment

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Ex-worker’s difficult life after retrenchment
Published: 
Sunday, April 22, 2018

Although data from the Central Statistical Office (CSO) shows a relatively low unemployment rate, those figures don’t tell the whole story about people who have lost their jobs since the start of T&T’s economic downturn and their struggle to find employment.

Since early 2016, when the closure of the ArcelorMittal steel plant left more than 600 workers unemployed, there have been hundreds of job losses across the country.

The latest occurred just last week when Tubecity IMS Trinidad Ltd, a plant located on the Point Lisas Industrial Estate, filed for voluntary liquidation, putting the jobs of 257 workers at risk.

Last August, the Tourism Development Company (TDC) ceased operations and 111 workers were served with retrenchment notices.

This development came just months after government announced plans to dissolve the state-run agency and replace it with two separate entities.

Among those affected by the TDC closure is a former procurement officer who had been employed with the agency for almost ten years. He was handed his retrenchment letter on September 28 last year and has had no success in finding another job.

The married father of two, who did not want to be identified out of fear that it might further complicate his already difficult job hunt, said he knows of several former colleagues who also haven’t been able to find employment since.

He said his wife is unemployed and it has been a struggle to make ends meet. One of his children is 25 years and attending the University of the West Indies (UWI), while the other is in secondary school.

“I am the only bread winner in the home and it’s getting more difficult by the day. I have mouths to feed. We’re all skilled and educated people who were at the TDC and some of us are so desperate now we’re applying for jobs as drivers and messengers,” he said.

He received a gratuity payment of roughly $70,000 which has been keeping food on the table for the last seven months but which will soon run out.

“I have a mortgage to pay and soon the bank will be coming for me. My family and I might be on the streets soon. In a few months, most of that money will be used up and I really need to have another job by then,” he said.

The former TDC staffer thinks his job search has been unsuccessful because he is not politically connected.

“I have sent out hundreds of job applications to state agencies and the private sector and no positive reply as yet,” he said, adding that he knows of dozens of other former TDC employees who are facing similar desperate circumstances.

“There was a pregnant woman from Maracas who lost her baby after being served a retrenchment notice by the TDC last year,” he said.

“Another guy recently died from depression as he could not get a job. There is yet another one who on suicide watch right now. This is really hurting us badly. We don’t know what else to do.”

The man said he tries to keep positive and is hoping his situation will improve soon

“What else I can do but have hope that things will get better,” he said.

ECA: Employers exercising restraint

The Employers’ Consultative Association (ECA), offering a perspective on unemployment and how employers should handle it, said in a statement: “Given, the ECA’s experience and interaction with its membership, it is apparent that employers have been exercising a level of restraint in laying off or retrenching employees en masse despite the prevailing economic difficulties. These actions are consistent with the ECA’s past positions and continued guidance that retrenchment should be used as a last resort after other acceptable business sustainability measures have been considered.”

It said there have been cases where employers went beyond the call of duty just to pay salaries.

“In fact, a number of employers agonise about having to reduce the work week due to declining demands for their services or products or their inability to pay salaries on time,” the ECA said.

“We are aware of only one employer who was forced to retrench his full team—with severance pay—due only to his inability to continue paying salaries having exhausted his personal funds in paying staff.

“This situation was occasioned by the non-payment of invoices by his major client for several months with no likelihood of imminent settlement.”

The group is urging employers to follow good industrial relations practice when dismissing employees:

• Be sure that retrenchment is really necessary and can be justified.
• Be sure employees are not being dismissed under the guise of retrenchment.
• If employers must retrench, consider whether their intended modus orperandi is in concert with the requirements of the Retrenchment and Severance Benefits Act (RSBA).
• Put things in place to ensure Employee Assistance Programme (EAP) counsellors are available to affected workers and even those who will be staying on in the company.
• Examine the terms and conditions of employment agreed with individual employees and trade unions with respect to implementation of lay-offs and retrenchment.
• Be sure to act in accordance with those terms and conditions and the provisions of the RSBA.

The ECA said organisational restructuring is a normal part of business operations in any effectively functioning economy.

“In this regard, the ECA will continue to support, when necessary, the right of employers to restructure their business operations and where redundancies or surplus labour is evident, institute a voluntary separation or retrenchment programme, as a legitimate course of action available, once such an exercise is conducted within the remit of existing legislation, collective labour agreements and established industrial relations practices.”

CSO: Decrease in unemployment

T&T’s overall unemployment rate decreased from four per cent in the third quarter of 2016, to 3.6 per cent in the fourth quarter of 2017, according to the Central Statistical Office Labour Force Bulletin in the last quarter of 2017.

“This decrease is not uncommon for this period and it is mainly due to seasonality changes,” said the CSO of the information which was based on data collected via a population survey.

Analysis of fourth quarter 2016 data in terms of industries showed major decreases in jobs in transport, storage and communication which stood at 7,200 or 15 per cent. In other manufacturing, which excluded sugar and oil, the figure was 6,400 or 12 per cent, while wholesale and retail trade, restaurants and hotels accounted for 5,400 or 4.6 per cent and construction, 4,700 or 4.8 per cent.

When to ignore credit card advice

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Published: 
Sunday, April 22, 2018

Conventional wisdom about credit cards is often black and white, from whether you should use cards at all to which types deserve a slot in your wallet.

But personal finance is just that —personal, experts say.

“Financial advice is best when it is not one-size-fits-all,” said Bruce McClary, spokesman for the National Foundation for Credit Counseling.

“Everybody is different in the way they set priorities and manage budget decisions, so it makes sense that some advice may not be a perfect fit for all people.”

Credit card tips might be easier to understand when they’re binary—do this, don’t do that—but that advice usually doesn’t apply to everybody. In fact, some advice could hurt more than help.

Here’s a sampling of conventional wisdom on credit cards and why it might not apply to you.

1 “Never use credit cards.” Cardholders can get in trouble by charging too much, then paying finance charges. That downside is real and important, but this advice ignores the majority of cardholders, who pay off balances monthly. Credit cards have many benefits, including convenience, building credit, rewards and fraud protections.

“There is a stigma associated with credit cards, but they can be effective money-management tools as long as you use them correctly,” said Paul Golden, spokesman for the National Endowment for Financial Education.

“Much of the bad reputation originates from irresponsible use, overspending and using a product that isn’t quite right for you.”

2 “Always use credit cards.” For those who regularly incur credit card debt or know they can’t trust themselves not to overspend with plastic, credit cards can be a lousy idea. Instead, cash and debit cards can help to curb spending. Besides, not everyone can qualify for credit cards.

3 “Never pay an annual fee.” Plenty of good credit cards charge nothing. But cards with annual fees typically offer rewards and benefits. They might include sign-up bonuses, airport lounge access and hundreds of dollars in travel credits.

“Not paying an annual fee is good advice in general, but there are some circumstances when the value of earned rewards might outweigh the cost of using the card,” McClary said.

4 “Don’t transfer balances from card to card.” The idea behind this is that moving debt to different cards doesn’t address the problem of paying it off. In fact, it could add to debt because balance-transfer cards often charge a fee of three to five per cent of the amount transferred. But the upside is, balance-transfer cards can provide breathing room for carrying balances without finance charges —often more than a year.

That’s useful when you can’t pay now but likely could pay later.

5 “Always use a rewards card.” If you use a card as a payment tool and pay the balance in full every month, a rewards card is ideal. But for those who carry balances and pay finance charges, the interest would be more than the rewards. A low-interest card or one with an introductory zero per cent offer is better for those cardholders.

6 “Never close a credit card account.” Closing an account can hurt your credit rating, because scoring formulas like to see that you aren’t using more than 30 percent of your available credit (less is better) and a lengthy credit history, both of which suffer with a closure. Still, you might want to cancel an unwanted card to avoid paying an annual fee — if the issuer won’t let you downgrade to a no-fee card.

“If you’ve had an account for a few years and it has a decent limit and is in good standing, then keep it,” Golden said. “However, if you’re paying a hefty annual fee, you will have to decide if it’s worth the credit-score hit to close the account.”

7 “Always pay your bill in full.” You should pay off your credit card bill monthly to avoid paying finance charges. An exception might be during times of hardship, when paying for a necessity, such as rent or food, trumps paying the credit card bill in full. Or you might be within a zero percent interest period on your card and decide to use cash to address a different financial priority.

“Carrying a balance can be a costly proposition, so if it becomes difficult to manage the debt you owe, it is best to have a conversation with your creditor and consider getting help from a nonprofit credit counselling agency before things get worse,” McClary said.

Guidelines to buying a home

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Published: 
Sunday, April 22, 2018

Everyone dreams of owning their own home, but for a first-time homeowner, the task may seem overwhelming. While transactions do vary, there are some general guidelines that can help you through the process from viewing to completion.

1 The first step is to choose a mortgage institution and get pre-qualified. This simply means providing information on your income and outgoings. The institution will calculate the level of borrowing that you can service monthly.

This is a critical step as it allows you to determine how much you can afford to pay for your new home and, therefore, what price range you give to the agent you are working with.

2 Once you have established a budget figure, ensure you have the necessary cash to make the 10 per cent deposit you will be required to pay to secure the property that you have chosen.

This needs to be readily available because an offer and acceptance usually takes only three to four days and then you will have to sign the sale agreement and make the deposit.

Delays at this stage are not advisable since the property is still on the open market until the contract is signed and deposit paid.

3 As a prudent buyer you should also establish up-front the extras that will be payable on closing—stamp duty and legal fees—in order to avoid surprises at the closing of the transaction. You need to clarify whether you are expected to pay closing charges yourself or whether the lending institution is prepared to cover them in the loan payment.

4 Choosing a home is a very personal thing and everyone has their needs or preferences. You must consider the size of the property you want, the type of neighbourhood, services, security and proximity to amenities. And, of course, be mindful of your budget.

5 Once you are ready to view properties, you should contact a reputable real estate agent who is well equipped to know the ins and outs of the properties and the neighbourhoods. They can easily direct you towards a selection of homes within your budget, possibly one you may have overlooked if you search on your own.

6 Before committing to a particular property, make sure to examine the houses carefully.

As a buyer you must consider the electrical wiring, plumbing, condition of the woodwork, roofing, masonry work, cupboards and even the land on which the property sits. The real cost of the house includes all renovations and repairs.

7 If you are borrowing to make your purchase, you will be required by the lending institution to have a valuation done of the selected property to determine current market value. This is to ensure the value is not less than the amount of the loan. They will also expect you to choose a valuer from their panel of recognised valuers and their report belongs to you.

8 Once you are comfortable with your choice of property, the next step is to request a copy of the title deed and give it to your attorney with instructions to handle the conveyancing of title for you.

Your attorney will prepare a purchase agreement, which is signed by both the vendor and the buyer on payment of the 10 per cent deposit.

It is critical that you review the agreement and approve its contents as you are legally bound by all the clauses. Once signed, the attorney will search title and look for any charges registered against it before advising you that title is clear and you can complete the purchase.

9 Typically 90 days are given to finalise the mortgage contract which is the same term allowed on the purchase agreement for completion of the purchase.

You will be required to fill out know your customer forms for your real estate agent, the lending institution and your attorney so be prepared as it is a legal requirement of anti-money laundering legislation.

10 Once the purchase agreement is signed your attorney will require the vendor to provide a copy of the most recent land and building taxes, WASA receipt, WASA clearance certificate (only valid for 90 days), Town and Country approval and a completion certificate.

Your agent will assist in this part of the process.

In the case where the vendor has a mortgage on the property, your attorney will need the vendor to obtain:

• Release/s of outstanding mortgage/s duly executed by the mortgagor and mortgagee in escrow
• Mortgagee’s statement of the amount required to release the existing mortgage/s (the redemption statement)
• The invoice of the legal fees and disbursement in the matter of each deed of release and evidence that same has been paid (eg receipt from attorney who prepared the release)

11 When your loan payment is ready, the lending institution will invite you to sign their deed of mortgage, and the loan draft will be made available to you, made payable to the vendor.

12 You will then meet with your attorney (and the vendor perhaps) and sign the deed of conveyance (or memorandum of transfer in the case of RPA land, or deed of assignment in the case of leasehold property) and all payments to vendor and attorney will be finalised at this point.

13 The executed deed is then sent to the land registry for registration of the buyer’s title, and in time you will receive a certified copy of this registered deed. You will also get a return of ownership form which you take—along with the last land and building tax receipt from the previous owner—to your local district revenue office to register yourself as the new owner.

14 Once this is done, apply for a certificate of assessment to take to the water authority along with a copy of your deed and previous WASA clearance to change the account into your name.

After all these steps that you purposefully made to acquire your own home, you should try your best to make your monthly mortgage payments on time to avoid interest charges or foreclosure, should that

becomes necessary. Ownership is a responsibility that cannot be taken lightly, but it is also an amazing benefit that should be enjoyed.

Association of Real Estate Agents
area.tt.assoc@gmail.com

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