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This years budget debate has come and gone and thanks to some fervent praying by nearly everybody in Jamaica, we will not become victims to anymore new taxes. It seems that the Prime Minister and his team have decided to actually come to aid of Jamaicans instead, as they move to cut NHT rates, and lift the NHT loan ceilings so that people will be able to access more money from the NHT. Another thing that the government has done is increase the people who will be able to benefit from the Programme for Advancement Through Health and Education (PATH... dunno where the E is), and increased the cap for people who will be able to benefit from the NIS. This so far adds to 2 things that the government has done which I am in complete agreement with, since I've started writing in this journal... I dont completely agree with the move though, but I can see its merits.
For those who dont know, the NHT (National Housing Trust) is essentially a revolving loan that all Jamaicans have access to as long as they have contributed to it. NHT deductions come directly from your paycheck, and all businesses (even self employed people) have to pay money to the NHT deductions. You may gain access to these funds only if you are building a house, or upgrading/renovating a house, and you gain access to the funds at a lower interest rate than what the banks offer and as such you can pay off your loan with a fair amount of speediness.
What the government has essentially done is reduced the interest rates for people who want to access these loans. Currently interest rates are determined by your earnings and there are 3 bands a 3%, a 5% and a 7% bands, which apply to people making minimum wage weekly, between 10-20000, weekly and those making above 20000 weekly and above respectively. Now these people will be able to access loans at 1%, 3% and 5% respectively. So this is a nice move as more people will be able to move into houses. Furthermore these people will now be able to access more money, whereas before the maximum amount one could get from the NHT was $3.5 million, this number has increased to $4.5 million. But I guess a better way to say this in my opinion, is that the loan ceiling has been adjusted for inflation as $3.5 million's value really isnt what it used to be.
The PATH programme is one which is funded by the world bank, and is a programme in which cash grants are given to the most vulnerable and needy in the society. Therefore Children who are orphaned, elderly people who have no access to a pension, persons with disabilities, pregnant women and general poor adults are able to gain access to funds to help them in their lives. What the government has essentially done is taken on an extra 10,000 people under the care of the program thanks to the help of a grant from the Japan Social Development Fund to the tune of US$2.6 Billion Dollars.
In addition people who benefit from the National Insurance Scheme (NIS), will gain access to increased benefits ranging from 25 to 50% more. So people who need to purchase medicine or access health services under the NIS will get a boost there. The contribution to NIS will also increase to $50 per person, per week as well.
As far as the moves by the PATH and the NIS, I cannot disagree with the government's stance, this move does help the vast majority of Jamaicans and it is certainly a welcome one. However I am forced to criticize the increased NHT loan... not because I think it is excessive or anything like that, but because upon reading about this I was forced to ask, who will really benefit from this move? The lower income earners will certainly have more on their minds than building/purchasing a house, especially in these economic times. Middle income earners will also mainly be trying to stay afloat in a market where the government is selling out all our jobs to foreign countries. So it seems the only people who will see the real benefit from this is the rich...
But then again, maybe I am just being too cynical...
“We must never forget that it is the private sector - not government - that is the engine of economic opportunity. Businesses, particularly small businesses, flourish and can provide good jobs when government acts as a productive partner.” –Bill Richardson.
Most of the economically viable countries in the world have specific plans and or tax breaks aimed at stimulating small businesses in their countries. Several countries take it a step further and launch campaigns with the view to educate the public about the various taxes payable to the government by new and existing businesses. In 2007, the Bahamian government embarked on a month long campaign to educate their public about certain taxes. Representatives of the Bahamian Business Licence and Valuation Unit appeared on radio and television programmes, newspaper advertisements and disseminate pamphlets and brochures to get its message to the public.
However it seems that the Jamaican government has no specific campaigns to educate the public about the tax schemes and unfortunately, it is commonly felt among Jamaicans that the tax system used by their government is against local owned businesses and is especially hard on persons starting a new business.
Carlette Deleon, Public Relations Manager, Headline Entertainment explains what she sees as the main problem. “I don’t find that the government is really helpful to new business owners with regards to the tax system. There are channels that you can go to for some information, their website is appealing and you can call. But when it comes to high end, more complex tax matters, there is no definitive source or guide that you can get good advice from.”
Navigation on the internet would give you a quick rundown of some simpler taxes in the Jamaican scheme. Small Business Association of Jamaica’s website provides a direct link for new taxpayers to learn about the general kinds of business taxes such as National Housing Trust (NHT) and National Insurance Scheme (NIS), however more intricate taxes and their breakdowns are not so easily available online.
In my previous article on home garden possibilities, I had told you that one of the produce that my husband had planted was cauliflower. Well this weekend we were able to enjoy the first of the crop. OK, so I’m a ‘show off’. I can’t help it. It just feels so great to grow something, see it flourish and get to eat it. I must admit the end results could have been bigger however considering we are still in a drought, I’m very proud.
In this article, I would like to share with you some information on cauliflower and how we grew ours. The botanical name for cauliflower is Brassica oleracea, in the family Brassicaceae. It is related to cabbage, broccoli and Brussels sprouts. It is an inflorescence vegetable where the part that is eaten is part of the inflorescences of the plants themselves (buds, flowers, stems, etc.). The head of the cauliflower is sometimes called ‘curd’ or ‘button’. Most of us are familiar with the white heads that are most often sold in supermarkets but cauliflower can also be found in colors such as green, orange and purple.
Cauliflower grows best in cool temperatures with moist atmospheres so avoid an area with too much direct sunlight, some shade is good. It requires a rich soil and lots of nutrients. A bag of horse manure at Caymanas Park is about 200.00JMD and it makes a great fertilizer. Prepare the soil before planting by digging up the area mixing with the manure. This is best done a few weeks before you’re ready to plant.
Cauliflowers do best when set out as transplants rather than planted from seed. It is important to use sturdy transplants and that they become established quickly or the plants may not develop properly. Set the plants in their holes, cover them just short of the bottom leaves, and build a little saucer of soil around each plant to help hold moisture. Young plants should be kept moist.
As cauliflower plants begin to mature and the flower head (or curd) is about the size of an egg, gather together and tie the leaves over the curd with soft twine or tape. This "blanching" is required to ensure the curd will be white and tender at harvest. Make sure neither it nor the foliage is wet; otherwise the plant may rot. The aim is to keep light and moisture out, but to let air in and also leave room for the flower to grow inside its shelter.
Harvest the curd when it reaches the desired size but before the buds begin to separate. This is about two months after transplanting. Start checking plants daily when the heads reach 3 to 4 inches across. If growth is interrupted, the heads may not develop or may develop poorly. Growth can be interrupted by plants’ being held too long, causing hardening and cessation of growth before transplanting; or by drought. Principle insect and disease problems are the cabbage looper and imported cabbage worm, cabbage root maggot, aphids, flea beetles, blackleg, black rot, clubroot, and yellows.
Cauliflower is nutritious, low in fat, high in dietary fiber, folate, water and vitamin C. It is reported to contain several phytochemicals which are beneficial to human health, including sulforaphane, an anti-cancer compound released when cauliflower is chopped or chewed. It is also said to contain the compound indole-3-carbinol, which appears to work as an anti-estrogen, slowing or preventing the growth of tumors of the breast and prostate. In addition Cauliflower contains other glucosinolates besides sulfurophane, substances which may improve the liver's ability to detoxify carcinogenic substances.
Cauliflower may be eaten cooked, raw or pickled. Personally I prefer cauliflower cooked barely tender and snowy white. To prepare, remove green stalks, wash and soak the curd, head down, in cold salted water. Leave the head whole, or break into flowerlets. Cook covered in a little boiled salted water until tender or uncovered in water to cover. Season to taste; add butter or cream sauce or cheese sauce or brown buttered crumbs. The leaves are also edible, but are most often discarded.
Now that you know more about cauliflower and all the good it can do to your body make sure you try planting some. Here are some pictures for encouragement.
Nuff Love
On the past sunday, there were a number of articles published in the Gleaner regarding the availability of alcohol to below age children. This is an issue that has existed in Jamaica for about as far back as I can remember. I know this because I grew up here... and essentially I have been able to not only go inside of bars but I've been able to order literally anything I want off the menu of the bar (drinks included) for as long as I've been able to walk and talk. On the rare occassions where the bartender pauses and asks why I'm ordering the drink, I could get away with simply stating that "I am buying it for (Insert name of adult here)". That is how simple acquiring alcohol is for Jamaicans. Multiply this by the fact that if I walk a mile in any direction from wherever I am, I am guaranteed to find myself a bar.
I contrast this with the experience I've been through when I go to the United States of America where the rules with regards to alcohol are much more stringent. Even now in my adult life while sporting a full beard and what I hope is a deep enough voice, when I go into any establishment and order a drink the first question out of the mouth of the bartender is "can I see some ID?". Only after that will I be able to acquire a beverage. As a matter of fact the problems begin even before getting to the counter of the bar as there is somebody at the door at all times checking IDs just so you can enter the bar. So all my childhood experiences inside bars would easily be rendered impossible.
It seems however that somebody (specifically Mary Clarke) has decided that this is a problem that needs to be solved immediately. In the gleaner article she has made the call that bars that serve alcohol to minors should have their liqour licences recoked so that they will no longer be allowed to serve liqour. The gleaner did some investigative journalism and found unsurprisingly that all the locations they went to served liqour to the minors without even so much as batting an eyelid. The article further stated that
Vendors are not asking the age of the children before they sell to them, and that is a challenge, because the law does require it, but they are not doing so in most cases
...
It should be mandatory for all relevant establishments and public functions to display notices forbidding children underage to be served intoxicating liquor or alcohol
I will not deny that these calls are worthy of note, as after all it is the law that alcohol should never be sold to minors, and that any person who is convicted of selling alcohol to minors can be jailed for their actions. However the application of this rule will be quite problematic... the main problem being what I mentioned earlier, that I can walk a mile in any direction and get to bar. With this many bars there is the question of how exactly will the police be able to enforce this rule across the island, after all there are more important things to focus on such as the 4 murders per day that are happening.
However this is not to say that this is a minor problem that we dont need to look at. After all, harmless as it is, the fact that alcohol can cloud one's judgement and can be (but isnt always) addictive, make makes it high on the list of things that we should try to keep away from minors. But maybe we dont want to be giving our policemen extra work, until we have gotten rid of the more dangerous problem.
Over the past few days, the Daily Gleaner has been publishing on its front page (with large bright text) a graphic which states, the number of murders that has been reported for the year 2010, states how many of those murders were of policemen and then below that it states "Who is accountable". This has caused alot of mixed emotions coming from people from all walks of life who read the newspaper. Some are saying that this is a good and necessary thing, some are saying its a bad thing... However whichever way you look at it, there is something about it that alot of people are forgetting, and that is that what the gleaner is doing is both revolutionary, and disturbing.
I say it is revolutionary and disturbing because of the arguments that are being used by the people who say that what the Gleaner is doing is a good thing. It is revolutionary because it serves as a constant reminder of the downward spiral that Jamaican society is currently going through, as we have more deaths than even some war-torn countries in the world, we are more or less the murder capital of the world. I mean, all these figures show is that there are 4 deaths a day in Jamaica, I'll let that number sink in for a while... Now when we look at the fact that we are a small island, with a population of just about 3 million people, with more murders than countries 5 times our size, I think it should give us reason to look inwards and see what we can do to stop this problem.
However there are people who say that what the gleaner is doing is wrong. I've heard people say that seeing something like this on the front page is disgusting, and it embarrases the entire nation, as the gleaner is not only read in Jamaica but also in the US and UK. Then there are those that say that children read the papers too and when they see something like this they are exposed to a side of life that they shouldn't have to see at such a young age. Instead this side argues that the gleaner should be posting good news and trying to focus on what good people have done. A recent editorial in the paper on this same topic stated that:
..."443 murders in 102 days" or "461 in 103 days" is better than 2009. Here is the arithmetic: 443 ÷ 102 = 4.343 per day, and 4.343 x 365 = 1,585 for 2010. Now, 461 in 103 days is 1,633 for the year, averaging 1609. Compare this with 2009: 1,680; and in 2008, it was 1,611. Instead of the negative hype and fear, the media should be saying that although we are nowhere near where we should be, we are heading in the right direction, at least for the time being, with a four per cent improvement on last year. We should all hope for better, and citizens should do their part to contribute to the downward trend ...
One can certainly see the merit in this writers argument, but it isnt the only side of the equation. There are the people who say the gleaner is doing a good thing... They say the gleaner is trying to highlight how much of an outrageous situation we are now in. They (The Gleaner) aren't trying to propose a solution to the murder problem, or state that there is nothing that we can do. Instead they are just trying to repulse the population into realizing that we must do something about our current situation. Maybe the gleaner is hoping that people who have witnessed crimes and have not reported them, may see this and realize that it would make more sense to report the crime and put somebody behind bars. Another editorial, that isnt exactly on the topic, but presents something that I think will help this side of the argument states that:
If the corpses of the 463 people murdered in Jamaica in the past 104 days were lined up head to toe, they would stretch for nearly the entire length of the Norman Manley International Airport in Kingston. When they were alive, these people packed a dozen Jamaican Urban Transit Company Buses. The same group would have formed a healthy crowd in Montego Bay's Sam Sharpe Square, and could occupy the seats around the cabinet table 29 times.
This to me states just how much people we have lost. Imagine if all these 463 people were qualified to work at the Airport and how efficient they would allow it to run, and how they could help the JUTC with their patronage to and from work, or that one of them may have been the next Bolt, Powell, Fraser, or Campbell. Or the fact that out of those 463 people they could have formed the government of Jamaica, and one of them may just have been the Prime Minister Jamaica needs to lead us out of our current situation. It kind of gives you a whole new perspective on how to look at the amount of people who are being murdered in Jamaica, and the possibilities that may have left us with these victims.
Unfortunately for one side I will have to say that I agree with what the gleaner is doing. I think people have grown used to hearing that a large number of murders continue to happen in Jamaica and the act of murder has lost its shock value to us. I dont believe that a society that looks at murder like a everyday thing (which it is really), is a properly functioning society, and the gleaner is reminding us that we are in a bad way and something needs to be done.
(Isn't it funny that I give props to the Gleaner right after bashing its poor presswork).
For the past couple of weeks or so I've realized that the majority of the up to the minute news I'm getting, is not in fact coming from the newspapers or the TV stations. But instead are coming to me through friends who themselves are willing to testify that their sources are beyond accurate, and are actually super accurate. Of course I may just be getting critical and/or impatient here but its certainly disturbing to me that for some reason or another the news outlets have not been one day or a few hours behind... but closer to 3-5 days behind the news I am receiving. And these are really important news items... things that become front page news the whenever it is published, which has lead to me wonder. Is it that our news outlets, are withholding the news?
I have to ask this question because, quite frankly it is becoming disturbing. Another thing that is important to add is, the accuracy of the "word of mouth" news has increased to the point where I no longer take these pieces of information with a massive level of skepticism and disbelief, but now believe them almost word for word to be true. Am I to believe that the news outlets no longer have the same sources for news that they did before, the same sources that found out things like how much the new BOJ governor was paid are now failing or late?
The news items in question that I am talking about in fact have all occurred since the start of the year. So things such as the entire Fiasco with the Don; The revocation of the visa's of Wayne Chen and other business men; The revocation of the visa's of artists Bounty Killer, Beenie Man and Movado; The fact that the US had suspected 3 high placed government officials of doing illicit business.... All of these things I had heard about days before it was reported by any of the media outlets. The last article regarding the government officials I actually saw on the Associated Press' website about 2 days before the TVJ or CVM news even caught wind of it.
To be fair to the news outlets (or... at least being somewhat fair), maybe the proper argument should be have the news outlets simply gotten outdated? I mean all of the news items I have spoken about so far I got either through messages from friends on my blackberry, or through twitter or through the internet. Maybe its just that the news outlets are not able to transmit the news as quickly... Well normally I would agree with and see the merit in this argument, but that would be forgetting the fact that as I stated before, it wasn't just a day (For the newspapers) or a few hours (for the TV news), its multiple days.
Which leads me to ask the question that is foremost in my mind, is the press being slow because they are trying to protect somebody? and Who are they trying to protect? Yes most people will state that alot of the news media are severly partisan, but even then I would assume that these outlets would still need to make money, and to make money the most effective way (and I'm just throwing this out there), would be to do their jobs and report the actual news. After all how much can these people really be paying to protect themselves in the news, when the fact remains that the news is going to get out eventually? So you see the whole notion of protecting whosoever really does nothing at all but make you seem like a horrible news reporter.
If you aren't going to report the news properly, then please stop calling yourselves news carriers.
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