CVM Sunrise Morning Show: July 27, 2026 | CVMTV

I land and I fly again like a jeter

closer. I'm winning cuz I work so hard and the music and the people say we are the

feeling in the power of the feeling. Whatever you want, take a chance in your heart. You got a spark shiny.

No scam style me. From the market to the farm to the office, money talk is everywhere. But are you making sense or nonsense? The Bank of Jamaica brings you common sense with BOJ. Real stories, free laughs, and real lessons to help you protect, grow, and manage your money. Mattress savings. At least my mattress. No charge me to sleep on it. Partner plan. Remember last year we needed our payouts early, but Miss Pal give it to her cousin first. Our sketchy loan flyer. Electrical details. See why making the right financial choices is pure common sense. Brought to you by Bank of Jamaica. Empowering everyday Jamaicans one episode at a time. Grandpa, it's 2026. You can't keep hiding all your money in every single pocket forever. Watch Walking on the Word with Apostle Professor J. Andrew Scott every Sunday morning at 9:30 a.m. on Apostle cause three contracts to be released to you. So as of tonight, the realm of the supernatural is active and activated to cause three contracts in Jesus name.

The internationally acclaimed On Stage with Winfred Williams at a new time, Saturdays at 8:00 p.m. on CPM TV. So much more than entertainment.

I am I am candy.

What a guan. What a guan. What a Mondays, Wednesdays, and Fridays at 8:00 p.m. 1:30 p.m. and 1000 p.m. on CVMTV.

Walking on the word with Apostle Professor J. Andrew Scott every Sunday morning at 9:30 a.m. Hallelujah. And they have some people know when you look forward for them bring a joy to you. They make you laugh when you see them make them be a good vibe. And them people that you around you man. Hallelujah. Hallelujah. Now follow me with your self man. Hallelujah. Let's delve deep into the issues. We'll take you beneath the surface. Greetings and sanitation begins and it's another edition of Fan Central talking to the people at the heart of the top sporting stories. Hear from your favorite sportsmen and women and the administrators who work tirelessly to make it all happen. It's live sports talk. I've wrote written an entire article looking at all the major issues every Tuesday at 9:00 p.m. It's fan central.

Every dream conquered is another dream. I land and I fly again like a jet. Heading straight in your direction cuz I'm one step closer. I'm winning cuz I work so hard and the music is playing and the people never

feel in the power of the feeling. Whatever you want, take a chance in your heart. You got a shiny

no style me. From the market to the farm to the office, money talk is everywhere. But are you making sense or nonsense? The Bank of Jamaica brings you common sense with BOJ. Real stories, real laughs, and real lessons to help you protect, grow, and manage your money. Mattress savings. At least my mattress. You charge me to sleep on it. Partner plan. Remember last year we needed our payout early, but Miss Pam gave it to her cousin first. Or a sketchy loan flyer.

All right, then. me and make the journey out the halfway tree and ever visit the museum and then we swing back and go down. Make a stopation and go buy a pound. The best can be found in Jamaica. I don't know about you, but I love Jamaica. I love Jamaica. The nicest and the prettiest girl come from Jamaica. From Jamaica. No matter where we going at the world. Yes, I love Jamaica. I go lovely island fruit tree. Yes, I love Jamaica.

I love Jamaica. Sing with me now. Jama.

Hello there. Jamaica. Hey, good morning Sunrise Nation. Listening to D Burns, the winning festival song competition. The the festival song competition winner. That's the song that you were just listening to as we were coming in. So, good morning. Welcome to Sunrise and congratulations to D Burns. But and let me tell you, the competition was very, very, very, very intense because we listened to some of the songs and we were like, "Yo, I do not want to be the judge of this." So, he came out on top with I Love Jamaica. And I'm so glad that we get to hear it again and start off our Monday morning loving Jamaica this morning. How are you? I am good. How are you? I am great. What we name again? JTS. Good to Ah, good morning. I'm TK. I'm Jason. And we are JTS. Jason, how was the weekend real quick? You know, it was restful. That sound like sound like you're sleeping. M. Oh, God. I took sleep on me and sleep. Were we're were tight all of that day really t the entire day. Sometimes you need that. Needed it. Sometimes you need that. Some people feel a little guilty when them sleep and when they rest. But sometimes your body call for it. And sometimes when you don't give it the sleep that it needs, it will tell you it takes it. You see when you have a particular quality of body. Okay. Tell me more. That is good. Tell me more. No, it is good. Can't you see? Okay. Yeah, man. You have to give it the the proper rest. All right. TK, it's too early to be fighting out in the morning. Come on now, TK. Just be there with me. Be there with me. How was your weekend? My weekend was so good. It was so full. One of the great things about being on this show is you get to hear about all the things that are going on. So, you went to all the things. I went to quite a few. Unfortunately, I couldn't make it to all, but you know what? I will say for all Jamaicans who are currently in Jamaica and have access to the cinemas, please go and watch Stu Peas the Jamaican movie. I went over the weekend. How was that? I thought it was great. I enjoyed the acting. Thought it was a good story. I definitely like the cinematography. I think that the team did a great job. Um, and so I think everybody needs to go and watch Stu Peas the movie. And let me tell you for those people who are like I don't know cuz I've heard some some things about it online and guys Rome never been in a one day remember so you know film and those things is fairly new to us right comparatively speaking to like other nations and the only way for us to get better and do more and have more budget for things to make things better and truly the movies that love endear you know a lot of money went into them you know and I'm sure the same Jamaicans if you have that type of budget It could make huge movies and action scene and sci-fi this and all these things, but you have to take time to get there. So, Stupid is the movie. I would say go and watch it. I think it was a good watch and I'm really glad that I went and saw it. I need to watch it this week. Do it. I will and I'll get back to you. Four friends. Four friends. Yeah, man. You have to support Jamaican. Easy one, too. You know, TK, something occurred to me a while ago as I saw somebody walking into the studio. What's that? Um, people are still doing the river things. Okay. Oh, is that not inviting me to the river things? Is that so? So, I saw a oneita boy. If you did not want anyone to know that post up on Instagram, if you did not want anyone to know that you were at a river, do not make Jason know about it. Please and thanks. So, anyway, anyway, let me give you the motivational quote for the morning, shall we? All right. So, first up, today's motivational quote comes from Marvin Phillips who said, "The difference between try and triumph is just a little ump." See what you see what he did there? That was the ump. But it's true. It sounds cute, but it's really true. Really and truly effort. It's the effort. It's the effort behind things. Yeah. Yeah. Yeah. So, TK, you know, we have a Jamaican who earned a Guinness World Record recently. Tell me. Yeah, man. So, we have a 96 year old alien chain of St. Mary known for her famous phrase, "It nice," has been recognized by the Guinness World Records as the world's oldest living female cooking YouTuber. Yeah. So, this achievement celebrates her lifelong passion passion for baking and sharing authentic Jamaican recipes with the global audience. She do everything, everything she do and I love it. And it's the whole family. They're the Chin family from Jamaica on YouTube and social media on Instagram as well. And it's so great to see when people are still involving their grandparents, their great-grandparents. It's such a great sharing of knowledge. That's a legacy you'll never ever forget. I'm telling you, on the internet forever, I'm telling you. I'm telling you. And and and she's nice. She's funny. She's cool and you get to learn some things from her. Cuz listen, I don't care how you cook. You see them the people who are a little more more mature, them just always have that something. No. open day. So, congratulations to Ailen Chin and the entire Chin family from Jamaica for hitting that milestone. The Guinness Book of World Records is a big deal. So, another win for Jamaica. Not a small team. Another win for Jamaica. What else is happening? All right. So, Durns, as you said before, he won the Jamaica's festival song competition. We spoke about it earlier. We heard the song. But get the the good part is TK he secured the best performer award. And so he was awarded he took home $3 million in prizes. Oh yes sir. 3 mill plus an additional 200,000 for his outstanding performance on Saturday's grand final night. Oh that's awesome. That's 3.2 million. That's awesome. And and the and the wonderful thing about this is yes is wanting to win but we like when money back at it next year next year J we must do Jamaica sir Jamaica Jamaica Jama 3.2 to you know we can take a three you can take a 2 I would knock it out how you feel about that don't make a class here Jason don't make a class that's nothing new to the people anyway any you know what thankfully we're out of time for this segment and I'm very happy about that you know real quick just want to say a huge birthday belatedly to Rita Marley our reggga icon who celebrated her birthday on Saturday and it was the big 80. That was a thank you Ja 80. That was the thank you Ja 80 which I I was trying so hard to go but I didn't get to go. But um philanthropist garden of the Marlin legacy. She's made such an incredible impact on Jamaican music and culture. And so we wish her great health, great great health. Happiness more blessed years. Happy belated birthday to you. Yeah. Mhm. And if you're celebrating a birthday right there at home or school or work or wherever you're there, happy birthday to you. I hope you enjoy the day. Enjoy the year and eat piece of cake. Yeah, man. Birthday and anniversaries. Eat piece of cake. Yeah. Yeah. Yeah. So, we have a pocket of sunrise. All right. No, no, no, no, no. We don't need no pocket of sunrise. But you're you're all the pocket of sunrise we need. So, we're going to take a quick break. We're going to be back with an amazing show. So, stick and stay. Don't go anywhere. It's sunrise.

Jamaica. Here I go. Lovely island fruit trees. Yes, I love Jamaica. I love Jamaica. Jamaica. I love Jama.

From the market to the farm to the office, money talk is everywhere. But are you making sense or nonsense? The Bank of Jamaica brings you common sense with BOJ. Real stories, free laughs, and real lessons to help you protect, grow, and manage your money. Mattress savings. At least my mattress. You charge me to sleep on it. Partner plan. Remember last year we needed our payout early, but Miss Pam gave it to her cousin first. Or a sketchy loan flyer. Electrifying details. See why making the right financial choices is pure common sense. Brought to you by Bank of Jamaica. Empowering everyday Jamaicans one episode at a time. Grandpa, it's 2026. You can't keep hiding all your money in every single pocket forever. Start your journey with a Jane Bank small business loan with small business loans with as little as $10,000 and up to $4 million. The time is 6 a.m.

Every dream conquered is another dream game. I land and I fly again.

Let's delve deep into the issues. We'll take you beneath the surface. Greetings and sanitation. My name is Owen Higgins and it's another edition of Fan Central talking to the people at the heart of the top sporting stories here from your favorite sportsmen and women and the administrators who work tirelessly to make it all happen. It's live sports talk. I've wrote written an entire article looking at all the major issues every Tuesday at 9:00 p.m. It's Fan Central.

his love for the sporting discipline that made him hustle professor J. Andrew Scott every Sunday morning at 9:30 a.m. Hallelujah. And they have some people know where you look forward for them bring a joy to you. They make you laugh when you see them make them be a good vibe. And them people that you want around you man. Hallelujah. Hallelujah. Now follow me with your self man. Hallelujah. Let's delve deep into the issues. We'll take you beneath the surface. Greetings and sanitation begins and it's another edition of Fan Central talking to the people at the heart of the top sporting stories here from your favorite sportsmen and women and the administrators who work tirelessly to make it all happen. It's 1:30 p.m. and 1000 p.m. on CBM TV.

I'm the stylist. No scammer style me. From the market to the farm to the office, money talk is everywhere. But are you making sense or nonsense? The Bank of Jamaica brings you common sense with BOJ. Real stories, real laughs, and real lessons to help you protect, grow, and manage your money. Mattress savings. At least my mattress. No charge me to sleep on it. partner plan. Remember last year we needed our payout early, but Miss Pam gave it to her cousin first or a sketchy loan flyer. Electrifying deals. See why making the right financial choices is pure common sense. Brought to you by Bank of Jamaica. Empowering everyday Jamaicans, one episode at a time. Grandpa, it's 2026. You can't keep hiding all your money in every single pocket forever.

Tonight on Small Biz Big Dreams, we meet a man with photography as his go-to plan. This is Small Biz Big Dreams.

For more than 30 years, Paul Graham has been operating his photo business, Paga Photos, from the Halfway Tree Arcade, providing passport photos

Welcome back, sunrisers. The time now is just about 6:23 and that means it's time for the headlines with the one and only the teaks to my J TK. Thank you for that and thank you of course for you for sticking and staying with us. And special good morning to our YouTubers. You know YouTube fam, I can't forget you. Hope you're enjoying and chatting up a storm in the comment section. They are as they do, right? All right. First up in the headlines, ODPM establishes National Disaster Fund Committee tasked with providing policy oversight to general administration and management for the National Disaster Fund or the NDF. Odd PEM commander Alvin Gail says that there's now a committee in place to answer one of the several concerns raised by the Auditor General, the evaluation of Jamaica's Hurricane Melissa relief. Commander Gail stated that while orders have been given to ensure the agency is caught up on all the outstanding statements of accounts and annual reports, substantial progress is being made to address matters brought up by the auditor general regarding the absence of a dedicated account for the NDF and the apparent mixing of funds. However, to explain the situation, Commander Gail said the money was not mixed with usual recurrent or capital funds. Rather, extra cash from a separate project was temporarily stationed in a dedicated disaster fund account. Now, with consultations occurring among the Ministry of Finance and Public Service and the Accountant General, a resolution is said to be expected very soon. That's festivity. Extra cash. Festive is the word. it was mixed up with extra cash. Well, I am glad that you know in the name of good governance we're trying to establish measures to ensure that the monies are um accounted for. Mhm. And that the people can know. So I don't whether or not persons are debating the timing in which this is done. Hopefully answers will come. We know how the money is being spent and what's happening with the money. Yeah. I mean I think that we have a major challenge with transparency and trust in this country especially as it relates not just to the government just generally we're not a very trusting people and sometimes rightfully so based on previous experience and so anything to do anything that can make things clearer make things that okay if I have a question it can be answered and there's a trail but here's the thing about that you know how we all we often times complain about the red tape and why we have to fill out so much form why so much things have to take long because you have to go at this department to get signature from this have to go this have to go around back to this agency and all those things and it it can often times feel like it slows down the process but at the same time that's one of the things that comes with transparency for something and accountability cuz for something to be transparent more than one eyes have to be on it right various checks various checks various balances and so there's that that balance of transparency accountability making sure that everything is proper and also being able to effectively and timely do the things that you need to do. And so, how do you balance that? And I'm I'm I'm concerned because I really really really want these funds to be allocated in a practical way that the people who need these funds the most are receiving them and they're still waiting and almost a year later. It's it's it's you know, but at the same time, you can't rush it and then say, "Where's the money?" said, "No, we use it on roof and we use it on this and we buy these houses." I said, "Where's the paperwork?" work and saying we never have no time for that. We never have no time. We needed to give the people the house and it's like how do we do both? Yeah. How do we do both? You know, hopefully we're finding that balance now with this committee being we hope. All right. So, next up, principles are urged to take advantage of $75 million allocation by education ministry. Parliamentary Secretary in the ministry, Senator Marlon Morgan, explained that funding has been earmarked specifically to support the implementation of targeted intervention programs tailored to the specific needs of their students and aimed at improving student literacy and numeracy outcomes. Senator Morgan explains that if your school has devised a particular remedial literacy or numeracy intervention, you can engage with the ministry because support has been made available in relation to these activities. According to Senator Morgan, many schools have already implemented innovative programs that have produced promising results and urged other institutions to do the same and build on those achievements. Although noting the potential benefits that could be received upon acquiring additional resources for this program, Senator Morgan stated that the $75 million allocation represents a major step towards providing students with the necessary assistance and educational support. Good move. Is it 75 mil per school or for the entire project? Jason, don't make me head hurt me. You have I'm just clarifying for real. You have access to a fund of $75 million. You are not going to be getting $75 million per school though that would be lovely. We have a serious challenge with that. So, I am welcoming this and I will implore the administrators to really submit their plans. Yeah. because I think we need the resources, need it, and we need the improvement in literacy and numeracy. I love the fact that there's like, okay, we see that there's a challenge when it relates to literacy, numeracy. We want to improve it and we're putting our money where our mouth is. So, so ask us, you develop the program. We're not even going to tell you what to do and how to do it. You develop the program that you think is best for your students in your situation and then access some funds from us. again hopefully people not only take them up on it but that it is allocated and transparently and we see the practical application of it that's the theme this morning I'm telling you accountability transparency and application well execution there's a problem or a solution let's stop it it only benefits the children and and which benefits the country it does because there's a challenge when you have an entire nation that has literacy and numeracy issues. That's a big problem. That's a big problem. Big challenge. That's a big problem in 2026. Big problem, right? And so, yeah, let's let's let's definitely jump on that. All right. So, all right. So, yeah. So, I mean, what I'm liking then is that we have two two news, two headlines that really speak to funding, funding, well, can be good news, funding, and all these things. But that's what I have for you in the headlines. I mean, we are going to have, of course, an amazing show that's going to be lining up for us this morning. I'm looking forward to it. A little bit of law, a little bit of money, money things, a little bit of, you know what I mean? It's going to be a vibe. So, that's what I got for you. All right. So, thank you so much, TK, the tequ. So, coming up after the break, it's time to shift things over to Money Masterass brought to you by Guardian Live. Please stick and stay. We'll be right back. Why you stick on say

Heat. Heat.

The internationally acclaimed On Stage with Winfred Williams at a new time Saturdays at 8:00 p.m. on CNTV. so much more than entertainment.

This time on Small Biz Big Dreams, we visit super wholesalers chemicals whose products will leave your house fresh with a scented expression. This is Small Biz Big Dreams.

Carl Wilson is the owner of Super Wholesalers Chemicals and Accessories, a business he launched in 2017 after spending more than two decades in the chemicals industry. We had started out with two locations which this one here in Fort Moore and there was one in Nap. However, because of the proximity to getting back from Keystone to Men and all of that and other few challenges, we decided that God was to close that branch down. Being in the business from 1994, um, taught me a lot about the chemicals, the usage, and all of that. Wilson says years of experience in the industry helped him build a strong customer base with many customers continuing to trust the quality products that they had come to know over the years. Shirloom was a staple in the Jamaican market. It was one of the standout chemical companies in Jamaica. And because of that, customer are used to the Shome brand, the W brand. As you can see, you have the W brand and the Shome brand. And so me bringing back that um energy that they these customers were used to was one of the main factor cuz they know that what they're getting is quality for money. So these are the risers. These are what Jamaican people would call faboso. Excellent smell, extremely strong. Um it gives the house a nice pleasant fragrance when you're wiping the floor after you that nice Sunday morning clean. This one gives the house a pleasant pleasant smell. Here we have the body wash. Um it comes in two fragrances and Irish sprint. We also have fabric softeners. We have bis washings. We have um delicate soap. This is for ID for people with sensitive sensitive skin. We use um the soft soap to wash them. Today, Super Wholesalers Chemicals offers a wide range of cleaning products and accessories serving households, businesses, schools, banks, and hotels across Jamaica. as of the

twin flames. It's like we're twin flames. It's like we're twin flames in a different Welcome back, sunrisers. Listen, if you're just joining us, you're in time for money masterass brought to you by Guardian Life. And it's a very important topic, one that I think all of us, no matter our age, should really be focusing on retirement. It may seem like a distant goal for some, but the decisions you make today can have a lasting impact on your financial future. In this edition of Money Masterclass, we're joined by the consultant VP of value creation and business development for the pension division at Guardian Life Limited, Antonio Spence, to discuss why retirement planning should start earlier than many people think. Antonio, welcome. Yeah, good morning. Good morning. Good morning. Good morning, Jason. Yes, sir. Spence, since you called me out, let's let's just get jump into it. Right into it. Right into it. Why should Jamaicans start thinking about why should we start thinking about retirement now? What's the urgency of now? So, retirement planning is critical. It's one of those fundamental foundational things, right? And the reason why it's important is because almost 70 to 80% of us actually get to retirement. So we actually get to the 60s and the 65s. So because there is that level of certainty around us getting there, we know we're going to get there. So we need to be able to arrange for how it is that we get there, right? Because certainly some of the things that we would typically do in our working life, they're still going to happen when we get to retirement. So if you think about it, you think your JPS bill is going to disappear? No, it won't. Do do you think do you think you're going to, you know, not have the need to go to the supermarket, you're still going to need to do that. Or to go to the market, you're still going to need to do that. You're going to need to buy shoes, clothes, you're going to need to get stuff for the house. All of the things that you think about in your normal working life while you're in your youth and you, you know, full of your thing, those things actually still obtain at retirement. That's one. And then two, because at that point, you know, you're going to be dependent on what the financial planning that you would have done to take care of you from that point until the day you die, you really have a gap. And most a a lot of persons are becoming more aware of it. They're realizing that they have a big risk because not everybody in Jamaica has a pension arrangement. So it's a big thing to be concerned about. Jason, I don't understand why big sign over people's business over here. Big sign. Why you look like you stress out so it sounds stressing? No, it doesn't have to be right. That's why Mr. Spence is here. So no worry. Let me let me let me almost there. So Mr. Is there a such a thing as being too young to start retirement planning? So what would you say for example to that 20 year old who just start working and say retirement that's far that far away man I not even need to think about that right now? Yeah. So here's a here's a here's a the beautiful thing about it but also the tricky thing about it. It's the actual 20year-old person that needs to get it going like first because the beauty of retirement planning is that there are two fundamental components to it, right? Mhm. Um, of course money it's foundational. So you need to be able to put down sufficient. Mhm. But time. So the earlier you start actually brings the higher higher the level of security, the higher the level of preparation getting to when it is that you actually retire. So it is the 20 year old and the 25 year old that needs to listen out the most keenly on this message because the truth is unfortunately those the persons that you know didn't have the opportunity to get this kind of information maybe 20 years ago. So they may now be in their 40s. They don't have the benefit of the 20 years gone. They still need to be very very careful because of course retirement for them is something that happens in the next 15 or 20 years. But the 20 year old when you get a chance to do it and you start early. One, you don't need to do as much. Two, you have the benefit of the time so that that compounding that happens when you leave something and then you know gains happen on it and then it grows and then gains happen on it and then it grows. So, a 20 year old, 25 year old, perfect time to shoot and to get going. That's a good thing. I'm 23. I'm so grateful. All right. So, so I know for many Jamaicans who are employed in government and private, we have inbuilt pension contributions that happens from your salary. But what about the persons who are selfemployed and are on contracts? what challenges do they face when it comes on to their pension contributions and their plans? Yeah. So, self-employed persons, persons who are not a part of, they may be employed too, but they're their company doesn't have a pension arrangement or persons who are contractually employed or informally employed. So, they're not a part of structured environments. The challenge that they face is, you know, more around um education and needing to know how, right? So they may unconsciously recognize that they don't have all of the things together and they may be thinking about this, you know, hey, what am I really going to do when I get to XYZ? And if they don't have access to the information, so this is where CVM really helps. Um, so they now have access to that information cuz they're watching right now, which is right, right now. So, so what they what so, so we're going to be able to help them clear that hurdle, right? So Jamaica has and in our case, Guardian Life has what we call approved retirement schemes that make the hurdle easy to overcome. So with approved retirement schemes, because they're in self-employed arrangements or they're in arrangements where they don't have a pension arrangement, they can actually get one done for themsel. And if you're a self-employed person, you can facilitate they can do their their their contributions get get it as a tax benefit because it's put through before taxes are applied. Same thing for persons who are in employment arrangements but they don't have a pension structure. They can arrange with their HRs to have a salary deduction done so they can get the tax benefit for doing a pension arrangement. it gets sent their own retirement account and voila as simple as that. So our problem yesterday is solved by virtue of taking some action and getting a guardian retirement scheme going today right now. Right now right after deal with it. So Mr. Spence let me ask you this. How does one plan what may happen in the future? So for example I am now 26 for example, right? Yes. 23. I remember you saying 2. You know, I like you. I like you. Right. And you're telling me, you're telling me it's important to have a budget. And you tell me, okay, you're going to be living longer, but there's travel. There's medical expenses. There's, you know, maybe things that I want to do now that I have time to do it in retirement. How does one plan to be financially independent at a young age when you don't even know what the future may bring? Okay. So, fantastic question. And you know there are structures that are built in that support being able to get you there without having you know the clear the absolute clearest picture. So all right firstly so looking at say for example a pension arrangement. So the pension arrangements um function under a pensions act and a income tax act. So you have maximums that you're able to contribute out of what you earn um that you want to kind of make sure that you you you you are getting as close to maximum on. So whether you are earning at 25 $2 million or at 40 you know $6 million etc. If you're putting aside as close to that 20% as you possibly can budget considered all of the other things considered what you'll have happen is the the fund the pens your pension fund itself or your pension benefit itself will very closely match what you earn in your earning years. So that by the time you're ready to retire, you'll be able to achieve a level of replacement of your income of close to maybe like about 70 or 80%. So you want to make sure that you do that. So it helps in that way. Secondly, when it is that you're looking at financial planning, right, you you you have to also um take into consideration the fact that for this retirement, you know, period, you're looking at somewhere between 20 and 30 years that you have to try to put enough into to make sure that you, you know, are able to manage your expenses and you can live your life the way that you would have been accustomed to while you're working. So those the structure around the amounts that you can put aside will walk hand in hand with your income as you go along and of course age you know will will will simply just follow. Yes sir spends yes what's one thing a person should do if they have not started planning for retirement. So of course the immediate one is get one get a retirement plan going. So at Guardian, we have our Guardian retirement scheme that allows persons who are in this particular situation to make that first and and and most important step. That's that's the biggest step. That's step number one. Number two, for those persons who are already in a retirement planning mode, the truth is that you also have to pay attention to the sufficiency of what it is that you're doing. So, if you already have one going, do a review on when you're when it is that you're looking at your pension arrangements. What you want to determine is will what I have be enough or be projected to be enough to be able to cover me, my income, my normal income when I retire. And so, that's a discussion that you'll have with your advisor and you know and and and get that particular element. And Guardian Life is one of the places that we can go and ensure that we are covered in retirement. Yes, it's one of the places. It's the place to go. We gave it up. We gave it for that assist. That was a messy assist or a Neymar assistant depending on which side you see what I'm saying. There you go. I gave it to you. You just go. I like that. There you go. Thank you so much. All right. So, our guest has been Antonio Spence, consultant, VP, value creation and business development in the pension division at Guardian Life Limited. But when we come back, we've got a question for you. Are you team coffee or team shakes in the morning? So, we tell you all about the brand new podcast from Patrice J. White that's set to hit the airwaves soon. So, don't go anywhere. We'll be right back.

It's like we're twin flames in a different It's like we're twin flames in a different life. It's like we're twin flames in a different life. It's like

would have it cause three contracts to be released to you. So as of tonight, the realm of the supernatural is active and activated to cause three contracts in Jesus name.

It's like twin flames

in life. Wow. Okay. It's a deep question. I feel like my purpose is always evolving. At one point in my life, it may be one thing. Right now, my purpose is educating people about finance, helping people, you know, get their finances together, introducing them to the stock market, especially to the opportunities available here in Jamaica. But if you ask me again in 5 years, my purpose might have changed. So, I don't think we necessarily have one purpose in life. Um, we evolve as human beings and it may be that we're here to serve many different purposes.

T, I like that. I do. So, welcome back to Sunrise, Sunrise Nation. So, before the break, we asked you if you're team coffee or team shakes. Well, the conversation is brewing and our next guest is ready to share the details of her new exciting podcast, Coffee and Shakes. Well, next wellness expert and now podcast host Patrice J. White is joining us to tell us about her upcoming conversation series coffee and shakes and what inspired it and what listeners can expect when it launches. So, Patrice, welcome to the show. Thank you for having me guys. By the way, I am team shake. I don't do coffee. Yeah. No, I I'll take I'll take a black coffee unless it's like a French vanilla or something. So, you're not a real coffee drinker? I'm really not. It's obvious cuz if you have to flavor it up, you and you can tell she's a real coffee drinker. Coffee drinkers are coffee snobs. She's like French. What is that? But let me ask you a question now. You fit, you run, you advise, you do class, you have family, you how are you able to manage all these things and now what has inspired you to launch a podcast? First off, it's not easy. You know, when you see things on social media, you see the finished product, but what persons don't see is the work that goes behind the finished product. You understand me? Um, you know, you did say it earlier, I'm an overachiever. And when you have achieved a particular goal, you look for the next goal to reach to. So I think that's you know it works for me but it also works against me because when you over when you're overachiever then you experience burnout. You understand me? So you have to try to balance everything. So with coffees and shakes, the idea came about from my own personal struggles and experiences and I believe that it is something you know with every struggle and experience that you go through in life you learn lessons and those lessons can now become very valuable to someone who's going through that particular season. So for me um you know a lot of persons know me from being in the fitness industry or running marathons all over the world but that really and truly is my second career. My first career was when I was in the bar service industry. You know, I created one of the biggest bar service company in Jamaica. And when I exited, when I exit that, you know, that you know, business, that career, that space, etc. Um, I then had to reinvent myself. And with reinvention, what people don't realize that it comes with challenges. Yeah. Um it comes with you know it affects you mentally cuz you know you start navigate you know what do I do where the next step is you know is it is is this move the right move etc. Um so when I was going through that reinvention element um I went through my own struggles, my own failures cuz you know you try things that might work, things that might not work. But these struggles and failures now become lessons for me in my now new career. You understand me? So with that you will have somebody who's going through the same season that I went through many years ago. How do they navigate that space? So that was how the podcast came about. You create a wellness podcast that it is about teaching persons about the lessons that you go through in life that will now become valuable substance for them that they now can apply in their life when they are navigating when they navigate that season that they're going through which was your season a few years back. Nice. So now we're understanding that coffees and shakes is wellness but it's more than diet and fitness. It is. So let me give you the perfect example. You guys have a guest that is coming up next and you know we're talking about why why it is that I'm here and when I say wellness what's the first thing that comes to everyone mind physical wellness or nutritional wellness and that's what happened when I call even most of my male guests to ask them to be guests on my podcast but not physically fit but wellness encomp right it affect mentally you understand what I'm saying when we relationships and relationships you know you know you go through that patchy part it affects you it affects you and when we talk about relationships people just think it's about intimate relationships friendships play a vital role in our life you understand what I'm saying our community family how it is that they pour into us how it is that we pour into them so all these things affects affects us wellness it's wellness if you don't think you look I mean I'm very insecure care about my look. Your makeup artist experienced it this morning where I said to her, you know, you go contour the nose so the nose look like it's straight. That also beauty and confident. You know, if you don't think you're beautiful, it affects you how you turn up confidently. You know, wellness that all these things are wellness. So, this is what we need to talk about in terms of okay, we can't just be physically well, but then we're stressed. You understand me? We're financially, you know, we're financially stressed. Um, you know, we were not, you're financially very well off, but in all your relationship, you're not, you know, you're successful, but you're not at peace. So, you understand me? So, wellness is a wide umbrella that all these elements fall under. And you mentioned when you reached out to your male guests and stuff, who are some of the guests that we can expect to come up on this podcast? So some of if you can say I will say I will say I will say so I absolutely there is a guest that I I I shot with we have shot his episode already and I had so much fun because I learned so much from him um PJ right and you know a lot of persons know PJ you understand what I'm saying he's involved in the entertainment industry um the hospitality industry but when you listen to the conversation that he that we had. He poured so much into me into even where my own insecurity was in terms of even just building this podcast. So, you know, he's a good guest. Um, we we're also going to have guests like Dean Shepherd. Um, he's an entrepreneur who, you know, he had a 9 to5 because everybody thinks that, you know, we now need to run into entrepreneurship. So I'm looking forward to the conversation with him because you know we're going to talk about transition from 9 to5 entrepreneur um 9 to5 to entrepreneurship. You had Brushwan who that again was a lovely conversation because he he spoke about you know his mental health and when his mental health started affecting him it started affecting the relationship that he had around him. So he realized that he had to get therapy. So these are conversations that are valuable lessons again to persons who will going through the season that my guest went through. Yeah. So, so, so given that we're now in the taping and the the launching of season 1 of all the conversations you have had, what has surprised you the most so far? That most of my guest conversations, they are the same. Wow. You understand me? They have a lot of the same challenges. We have a lot of the same challenges from whether it was self-doubt, being afraid of failing. You understand what I'm saying? Insecurity and these are person in different industries. And these are persons in different industries. You understand? We would consider successful.

Exactly. Cuz we all, you know, it doesn't matter what it is that we do. we can work a 9 toive job and we're we're insecure and we have doubt in terms if we're going for a promotion you know may not get it because you know TK you understand what I'm saying and and it's the same thing in terms of being an entrepreneur because remember I'm not just only having conversations with entrepreneurs I I actually have conversations with persons who work 9 to5 so even though they're from different elements of life their stories are similar but you know what is different is how it is that each of them responded to it. Yeah. P may have how how how do we get access to this um podcast? You know, when do you launch? When do things pick up? So, we go live 700 p.m. this Thursday. So, podcast is is live at 7:00 p.m. this Thursday. Um you can go to YouTube at Patrice J. White and you click that podcast button on YouTube. You're able to watch a podcast. But until we go live, you can see some of the inspirational conversations that are coming out of the podcast that, you know, you get a little bit of what it is that we talk about cuz it's about wellness, wholeness, how it is that we make sure that the life that we're living is a healthy life all around. This Thursday, this Thursday, 7:00 p.m. 7 p.m. Patrice J. White on YouTube. on YouTube. You can subscribe now

and then follow along though and you get a little behind the scenes and pricks them on social media. We're hitting we're hitting half a tree on Thursday in a launch morning because we're carrying the conversation into the streets. Love that. You understand me? So, you know, they can look out for the team. They can look out for us. They might end up on camera. And you know, we're going to have some little goodies and treats because hey, we have to make everybody drink. We have to make everybody drink real coffee. Not the flavored French vanilla version. Is there something wrong with the tea? Is there something wrong with you? You just heard from Patrice J. White, the host of the podcast and Shake, set to premiere on YouTube on July 30. Make sure to tune in and join the conversation. We'll take a quick break. There's so much more sunrise still to come. The news is after this with you. With me. With you. That's true. Thank you guys.

flames in a different life. It's like we're twin flames in a different life. It's like we're twin flames in a different mele. From the market to the farm to the office, money talk is everywhere. But are you making sense or nonsense? The Bank of Jamaica brings you common sense with BOJ. Real stories, real laughs, and real lessons to help you protect, grow, and manage your money. Mattress savings. At least my mattress. You charge me to sleep on it. Partner plan. Remember last year we needed our payout early, but Miss Pam gave it to her cousin first. Or a sketchy loan flyer. Electrifying details. See why making the right financial choices is pure common sense. Brought to you by Bank of Jamaica. Empowering everyday Jamaicans one episode at a time. Grandpa, it's 2026. You can't keep hiding all your money in every single pocket forever. Start your journey with a Jane Bank small business loan with small business loans with as little as $10,000 and up to $4 million. The time is 6 a.m.

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Watch Walking on the Word with Apostle Professor J. Andrew Scott every Sunday morning at 9:30 a.m. An Apostle cause three contracts to be released to you. So as of tonight, the realm of the supernatural is active and activated to cause three contracts in Jesus name. Let's delve deep into the issues. We'll take you beneath the surface. Greetings and sanitation. My name is Higgins and it's another edition of Fan Central talking to the people at the heart of the top sporting stories here from your favorite sportsmen and women and the administrators who work tirelessly to make it all happen. It's a live sports talk. I've wrote written an entire article looking at all the major issues every Tuesday at 9:00 p.m. It's Fan Central.

Heat. Heat.

Welcome to Morning News. I'm TK Dawkins. Two people have been hospitalized following a shooting incident at the entrance of the Bellefield High School in Manchester on Sunday. Reports are that shortly after 5:00 p.m., gunmen pounced on a group of people who converged at the school gate and opened fire, hitting two men before fleeing the scene. The injured men were among a group at the school for a football game when the shooting happened. They were rushed to hospital with one receiving a gunshot wound to the face and the other reportedly shot in the shoulder. Police say another man was bruised during the incident while scampering for cover. Meanwhile, on the defense, opposition leader Mark Golding on Sunday attempted to distance the People's National Party's executive from alleged leaked voice notes plotting to sabotage the government's recently launched NAR mechanism. He insists none of the executive members are in the group. Neither is the group an official platform for the party's official policy position. Nika Lewis reports. Speaking at the party's National Executive Council NEC meeting at the UWI Mona, the president says having concluded a probe into the allegations, he can now share as much. The People's National Party chose not to comment publicly on that matter until we had the facts before us. Our review is now complete and it established three things. Firstly, the conversation in which those leaked recordings um took place did not happen in any official party forum. Secondly, no party officer, no officer of the party participated in that discussion. And thirdly, the PNP has no official NEC or executive WhatsApp group that doesn't exist. That said, Golding contends the group is certainly not where party policy is made before attempting further clarity on the origin of the WhatsApp group in question. This was a WhatsApp group formed by individuals within the party and the views expressed were their personal views. So those recordings do not represent the official position of the PNP or any policy of the PNP. However, the party president notes the party takes responsibility for its official views. The PNP takes responsibility for its official positions. Those are set by our constitutional organs such as this national executive council or the executive committee of the party and those that are communicated by our authorized representatives and shown through our public actions or through our public media outlets, social media outlets and so on. So with that clarified, I just want to turn to the matter at hand. Only recently, the governing JLP took the opposition to task over the alleged leaked voice notes, which it said was tantamount to sabotaging victims of hurricane Melissa, urgently awaiting the relief and projects to be undertaken by NAR. Nika Lewis, CVM News. Meanwhile, chairman of the Jamaica Labor Party Communication Task Force, Senator Abgo Fitz Henley, is describing the PNP president's comments on the voice notes as shameful and misleading. Firstly, it's absolutely embarrassing and shameful that the opposition leader addressed this matter of leaked voice notes for approximately 2 minutes. And at no time did he issue a strong condemnation of the assertion from a member of the PNP executive that the party is prepared to pursue delay tactics to stop major projects under the NAR which are intended to help Jamaican communities recover stronger and to assist our fellow Jamaicans to build back their lives in a quicker manner after the devastating impact of Hurricane Melissa. Secondly, what I'm advised that Golden cannot deny is that the group is made up of the majority of members of the PNP executive, including co-opted members, and the group is called executive members and has a PNP logo as its display photograph. Therefore, his comments on the matter at minimum appear inaccurate and misleading. Egg farmers across Jamaica are also battling the heat with massive declines in production owing to extreme temperatures mainly in southern parishes. The president of the Jamaica Egg Farmers Association says farmers have been hatching mitigating strategies to protect their eggs. Lewis reports. Rising temperatures predicted by climate experts now taking a toll on myriad sectors and water sources have also been drying up egg production in several parishes. President of the Jamaica Egg Farmers Association, Mark Campbell, who also operates Campbell's egg farm in Farmouth, Trrellone, says sweltering heat in the summer months saw some farmers losing up to 60 dozen eggs per day. This where the climbing mortality among laying chickens has dampened profitability in many parishes. Mortality, death of birds because of the heat. Up to yesterday I spoke with one farmer who told me that so far he has lost more than 700 laying birds. That's the equivalent of 60 dozen eggs per day that he has lost from those birds. Another one in Clarindon has lost significant numbers also. And u right along that south coast region some excessively high temperatures have been recorded. Temperatures hitting record highs have dealt considerable blows to the sector amid losses from the month's earlier category 5 hurricane. We have seen temperatures in this summer period here that are excessively high and very unusual. Uh we have recorded temperatures of up to aund 15

and6 degrees especially on the south coast of the island in the parishes of St. Katherine, Carrington, St. Elizabeth. Campbell notes the association has hatched a raft of mitigating measures to safeguard their stock and beat the heat. We in instruct them, advise them to try and irrigate the roofs, install some sprinklers on the roof. And um the the very dangerous period for the heat on the birds is between 10:00 a.m. and 200 p.m. During that period, the farmers must do something to cut down the temperature that is going to hit the birds that are underneath these roofs. We advise them to do that. We also advise them to manipulate their lighting programs. He shared that birds typically do not eat during the heat and warns of compounding heat from galvanized roof material used to construct coups. And the brown egg is produced by a brown chicken, a brown layer. And the brown chicken does not handle heat well at all. the white chickens that we are not so much a country for white eggs but the white chicken because they that color white reflects the heat so they can cope better with the temperatures that we are seeing here but right now since the the month of May June we are now in July um we are seeing some dreadful temperatures And every farmer is praying for the time to cool down a bit that they can uh have the birds perform at a optimal level. Egg production in Jamaica grew from an average of 120 million eggs in 2008 to a peak of 255 million eggs in 2023 before facing weather related declines in 2024 and 2025 due to storms and extreme heat. Over to sports now, president of the Jamaica Olympic Association, Christopher Samura, revealed how happy he is with the current management team to the games. He was speaking to CVM Sports from Santa Domingo on Sunday. Team Jamaica at the centenerary central American and Caribbean games has settled in has settled in very well under the experience and expert management of Chef Dishon Raymond Grant and his deputy Gregory Daly and their team of managers. You know, I had a team meeting um recently with the delegation and I'm really impressed the management team which has the privilege of leading the largest delegation ever in the history of the Olympic movement in Jamaica. They are interfacing seamlessly and professionally with officials of the games who are also very impressed with our management team. Raymond and his team are responding so positively, very positively to the athletes and understand completely and giving effect to the modus operandi of the Jamaica Olympic Association which is of course athletes first, athletes second and athletes third. Now Jamaica, it is on to business unusual with medal quests and exemplary representation of the country. You know, with more than a 200 strong delegation, our theme for the games is full 200. And I'm a happy president so far. Very happy. And the vibes in the camp are right. And that's it for morning news. Join us again at noon for more from our news and sports desk. I'm TK Dawkins. Sunrise continues after this.

I'm the stylist me. From the market to the farm to the office, money talk is everywhere. But are you making sense or nonsense? The Bank of Jamaica brings you common sense with BOJ. Real stories, real laughs, and real lessons to help you protect, grow, and manage your money. Mattress savings. At least my mattress will charge me to sleep on it. Partner plan. Remember last year we needed our payout early, but Miss Pam gave it to her cousin first. Or a sketchy loan flyer. Electrifying details. See why making the right financial choices is pure common sense. Brought to you by Bank of Jamaica, empowering everyday Jamaicans, one episode at a time. Grandpa, it's 2026. You can't keep hiding all your money in every single pocket forever. Start your journey with a Jane Bank small business loan with small business loans with as little as $10,000 and up to $4 million. The time is 6 a.m.

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It's like twin flames.

Welcome back to Sunrise. It's now law and order JA Time. Proudly sponsored by the Ministry of National Security and Peace. Now, unless you've been living under a rock in pepper spray, Desmond I has been the cry all over social media since the recent event involving member of Parliament Desmond McKenzie, who was pepper-sprayed by a police officer while attempting to calm residents following a police operation in West Kingston. Now this has ignited or reignited national conversations about police conduct, the use of force and accountability within law enforcement. In this edition of law and order, Jamaica attorney lot firm Hugh Wildman and company Shamar Brian joins us to discuss and examine the legal framework governing police conduct in Jamaica and explain what constitutes police misconduct. Welcome council. Welcome back. Ah, it's always good to have you. A pleasure to be back every time. So council social media is a buzz with this new song about the member of parliament's eye being pepper sprayed. So on one hand you see persons enjoying the content and on the other hand persons are asking what about the legal ramifications. So my question is what legally constitutes police misconduct? Yes, and that's an excellent question to start the morning off. So, generally speaking, uh, police misconduct, when you look at that topic, you have to look at several areas. The most important thing being the independent commission of investigations. Indiccom that is a governing body that handles all investigations for police or security forces related conduct. So now what constitutes it based on their act is anything that would cause injury, death, destruction of property, the taking of property, unlawful searches, or anything that would breach a constitutional right of any citizen. So that in and of itself would be police misconduct at a very broad spectrum. So I mean that's misconduct, but I'm sure there's like just poor judgment, for example. How do you tell the difference between something that's poor judgment, something that's misconduct, something that's just a clear breach and should never ever be done? How is that differentiated? So when it comes on to these things, it is all coming down to a degree because everything is coming on to proportions. And because of that, when these investigations against police officers are going on, they are going through a very detailed report of the incident to determine if it was just a police officer acting within a reasonable and proportionate manner to whatever the incident might have become. Let's say for example going back to the same them prep spray Desmond eye situation. So you have to look at the factor as to whether the response of pepper spray in that particular incident was reasonable and proportionate to deal with if any threat or incident at that particular time. So it has to deal with the proportionality. Um police officers have a duty to make sure that they are protecting the peace and protecting citizens while controlling any harmful or situations of threat. So it has to be a judgment case. So if it is that they are moving too rash as we like to say or if they're doing just enough. So it all comes down to the fine details of the report as to what would have occurred. So speaking about the duty to maintain peace under what circumstances is a police officer legally allowed to use force including pepper spray. Okay. So generally when there is the view of a threat or anything that comes tense within a situation so let's say uh the whole crowd situation the crowd is rowdy the crowd is now forcing themselves on the police officers uh and you know from an outside perspective we might say that you know uh they shouldn't have done this they shouldn't have done that but from the perspective of the officer it might be different you might see that several persons are coming towards you you don't know who has what. You don't know what might be happening. So it comes on to hey if a person is now shouting at me what is the reasonable response to them shouting versus if a person now tries to attack me or reach for my firearm what would be the reasonable response in these situations uh versus if now a police officer is engaged on an operation with armed asalants possibly then chances are if firearms are involved then the police officer would be uh expected to use his license firearm to deal with the situation versus a crowd of, you know, civilians that are doing a protest. It just comes on to a case by case scenario. So, you wouldn't expect a police officer to draw a gun on a crowd, of course. But when it comes on to dealing with the armed asalent, you wouldn't expect him to pull out pepper spray or pull out. No. Yeah. Okay. So, then what rights does like a cit does a citizen have when interacting with the police? So that is where the whole constitutional aspect comes into it. Now we have what you call the charter of fundamental rights and freedoms that every citizen is benefiting from. So now particularly section 13 of the charter. It lists out several rights. You have the right to protection from injury. You have the right to liberty meaning that you can't be unlawfully arrested or detained. You have the right to freedom from search of your person and property. You have the right to an attorney. You have the right to remain silent when it is that you are arrested. You have the right to know why you're being arrested. So, you have several rights that come from the constitution and rights that uh stem from different uh ways in which police officers conduct themselves. So, so can a a citizen legally question or challenge a police without it being an offense? Yeah, it just depends on the way you do it, you know. So let's say for example what is that way? I think we need to know what's the wrong way. So let's say for example now that you have been placed under arrest and the police say you're going to be taken to the police station for some questioning and to see if they're going to have to lock you up for the night. So the appropriate way is to ask the question first. You know getting the police officer's name is always important. Possibly a badge number. uh querying what offense am I being charged for? Why am I being taken in? And you have the right to know why it is that you are being arrested and the police officer then by turn has to explain it is what offense he has suspected you have committed or why you are being brought in for questioning. The inappropriate way now is to be resisting arrest. resisting in the sense that you are pulling away from the police saying that you're not mean uh starting to quarrel and argue with the police officers. The the best thing is always to comply and then if you suspect that your right has been breached or you want to ask counsel that if something has happened that should not have happened you take redress after the fact. So the golden rule, comply in the first instance with the police. You know, don't try to make a fuss out of it to start anything that might turn into a physical altercation because that's always the worst situation. But after the fact now, if you suspect that you have been breached with a right, then you take it up with your attorney, you take it up with Indiccom and you take it from there. Well, you you touched on my next question, which is okay, let's say I believe that there was misconduct. I believe that there was some type of breach to my rights. What does the common average citizen do? What's the first step to having that weather reported? Do I call a lawyer first? What do I do? So, if you don't know, always just ask. It's always good to get legal advice because you don't want to do something or not do something that might affect your rights later down. So just by a quick reference section 10 of the indiccom act right that allows all persons that have been injured or has a right breached by result of police misconduct they have the right and ability to make a complaint to INDOM right and that complaint has to be made within a 12 month period from the breach. So let's say for example um you were pepper-sprayed and you don't believe that you were in such a situation that warranted that then within 12 months of you being pepper-sprayed you should raise it with income to say hey this officer acted outside of his um lawful reason or proportions and now I want to bring a complaint against him or if it is that you bring it to council you might have avenues through the constitutional court for redress. Okay. So always ask, always ask. How can we ask you? How does one get in touch with you? How does one get in touch with you, Shamar? If we're interested in finding either more information from you or just have a case or you look at uh well, generally speaking, um to get in touch with council, you can reach out to the law firm. I'm attached to Hugh Wild and company. Uh details will be provided and you guys can always feel free to reach out. But generally speaking, if you know council or if you don't know council, you can always go down to the court uh get in touch. They have legal aid services available that they can direct you to because the truth and the fact of the matter is a lot of our citizens don't know the seriousness of something until maybe it's too late. So always act in the first instance, get the information and then make the relevant reports where necessary. All right. So, thank you so much for helping us better understand this important area of the law council. So, now our guest has been Shamar Brian, attorney at law at firm Hugh Wildman and Company. Thank you so much for joining us on another edition of Law and Order JA. Proudly sponsored by the Ministry of National Security and Peace. Now, coming up next, we're heading over to our strong male road models, creating opportunities and initiatives that encourage personal growth to guide me, the next generation. So there's plenty more TK. There's plenty more. You know, stay fighting me out today. There's plenty more sunrise ahead. Please stay with us. I need to address your baby. No, no. Next generation. I am

the word with Apostle Professor J. Andrew Scott every Sunday morning at 9:30 a.m. Hallelujah. And you have some people now you look forward for them bring a joy to you. They make you laugh when you see them make them be a good vibe and them people that you around you man. Hallelujah. Hallelujah. Now follow me with your eB. Hallelujah.

The internationally acclaimed On Stage with Winfred Williams at a new time, Saturdays at 8:00 p.m. on CPM TV. So much more than entertainment.

Let's delve deep into the issues. We'll take you beneath the surface. Greetings and sanitation. My name is Owen Higgins and it's another edition of Fan Central talking to the people at the heart of the top sporting stories here from your favorite sportsmen and women and the administrators who work tirelessly to make it all happen. It's live sports talk. I've wrote written an entire article looking at all the major issues. Every Tuesday at 9:00 p.m. it's Fan Central. Heat. Heat.

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What a goan. Guan Mondays, Wednesdays, and Fridays at 8:00 p.m. 1:30 p.m. and 10:00 p.m. on CVM TV.

I'm the stylist me. From the market to the farm to the office, money talk is everywhere. But are you making sense or nonsense? The Bank of Jamaica brings you common sense with BOJ. Real stories, real laughs, and real lessons to help you protect, grow, and manage your money. Mattress savings. At least my mattress, you charge me to sleep on it. Partner plan. Remember last year we needed our payout early, but Miss Pam gave it to her cousin first. Or a sketchy loan flyer. Electrifying deals. See why making the right financial choices is pure common sense. Brought to you by Bank of Jamaica. Empowering everyday Jamaicans, one episode at a time. Grandpa, it's 2026. You can't keep hiding all your money in every single pocket forever. Yeah, man. This is triumphant because we stay down. WE NOT GO DOWN one leg with tri. YEAH, THIS IS BIG UP ROCK with

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Welcome back to the sunny side of Morning TV, Sunrise Nation. So, strong communities are built on strong role models, especially for young men. So by creating opportunities and initiatives that encourage personal growth, responsibility and positive values, we can help guide the next generation towards a brighter future for Jamaica. So one such initiative making an impact in this space is the gentleman's initiative of Jamaica. So joining us now to share more about the vision behind this movement is the CEO and founder Jim Anderson. Boss boss, welcome to Sunrise. Thank you. Thank you for having me. Good morning. Good morning. Good morning. Tell me first off what inspired you to start GI? And the irony my mother really you know a lot of things that was inculcated in me while I was a child I thought it was important for me to deem it forward and paid forward to the youth of Jamaica. And a quote that you normally told him was a man is great not because he hasn't failed. A man is great because failure hasn't stopped him. And that quote stuck with me over the years. So whatever I think it's possible and whatever is important to me, I thought it was important that if I had opportunity to see and experience certain things. I think it's important that the men that are coming up after me, the young men should also get the opportunity to just see what the world is like. Be men in your society. Wow. All right. Starting off deep. So what can you tell us about GI and what you hope to achieve? Right. So it was conceptualized based on the fact that what we've witnessed happening across Jamaica. You walking on the road you just see a young guy in Balaclava and when police stop him and ask him certain questions he feels offended. M so it was brought to forward that we want to put importance of discipline, leadership, mentorship and financial literacy. So it was developed to help young men across Jamaica to understand the fundamental responsibility of what a men is like, what career goals are important to you, what do you want to achieve in the future? because we can't keep on having these short-term goals and expecting this astounding accomplishments. You need to have a foundation of what to do. And GI was brought to the forefront to create that um platform for young men. So how how does it how does it work? Is it that you have meetings, you go into schools, you go into communities? How exactly do you bring this mission to the gentlemen you want to impact? So we have a lot of phases that we want to go through and our phase one is within the schools because it's it's important to us to get the students where they are already. So what we'll be doing is we'll be partnering with the schools principles, guidance counselors um to facilitate us on their programs. So whether it be morning assemblies, guidance council attentions or just even physical education, we just want to be there along them by every step of the way with them. And and who is the we who are who is involved or will be do you want to be involved in this? So I am the founder but I do have a team. Mr. Shamir Martin, Mr. Deshan Cook, Mr. Andrew Johnson, um Miss Anika Brown, Miss Zoe Garwood. We have a team not based on we just want one person to push this. We have to idolize and realize that each person brings something different to the team to push it forward to ensure that it's really effective and it can do a lasting impact on these students. Yeah. So how is the gentleman's initiative of Jamaica different from the other youth programs that we have available? Yes. So we will in our phase one we directly want to partner with the schools. Normally you see them partner with like the students unions or the guilds of the schools but we want to partner with the schools so that we can have a lasting relationship with them and even partner with the schools and also the guilds. So it's not just a oneoff workshop or not a one-off facilitation. We want this to be going on for years and years to come. So what can like say principals, the teachers, the schools expect when there is intervention from the gentleman's initiative of Jamaica? We want educators to understand that we're coming into place some for some sort of support to them because I know that they're already having programs within their own schools. So we just want to go in there give some form of support so that we can have a lasting impact on these men and even after we finish the schools now we want to get head into the garrisons and head into the communities to reach that further audience to ensure that we're actually doing what we're supposed to do. Yeah. So Jay, you know I'm invested. I'm intrigued. So I want to know embarking on this initiative what does success look like? I know that when you hear quantitative numbers and we don't want it be the case where because we keep a plethora of workshops that is in that is our success. No success is amount of persons that we're able to actually reach the amount of impact that we can have on these youths. So success looks like whatever impact we can get from any child across Jamaica and if the program actually help them that is success when the program helps them. When the program helps them. Well final question. Suppose somebody wants to support you in some way or volunteer or things like that. What are the types of supports that you need and how can people reach out to support? To be honest with any support is important to us. You'll take you'll take it off. We take any support because at the end of the day um six persons alone can't do this. Yeah. We need the entire Jamaica to be a part of this. Um educators, government, private sector, anybody. So if you think you even have a a chocolate, anything that you think you have, just bring it to us and we'll make use of it. Love that. And you're at GI Jamaica on Instagram, correct? GI Jamaica. I love that. Thank you. Thank you for what you're doing and I really wish success upon you and the entire team. Yeah, trust me. Our guest has been Jim Anderson, founder and chairman of Gentlemen's Initiative of Jamaica. We have a mic check coming up after the break, so stay with us. Stay tuned. No left, no go, no way. We'll see you again.

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Back sunrisers. It's time for your Monday morning mic check. So often times we spend so much time expecting people and situations to meet our expectations. But growth often comes from the moments we never asked for. The real lesson learning to adapt instead of trying to control everything around us. The real lesson is learning to adapt than controlling everything around us. So, take a look at this video. I think when we go into our lowest places, it's preparing us for when we're going to climb the highest mountain and reach the highest point down on the bottom. There's a lot of good stuff down there. If you could just in the Bible, it says, "Be still and know that I am God." Right? Got to be still sometimes when you're in the lowest valley and you don't know it when you're going through it, but those moments are going to be the moments that shape you. They're going to prepare you for when you have to go off and start a new business. Like, baby, these moments are going to make you Everyone's not going to serve you life how you want it. More often times than not, they're going to serve it to you how you don't want it. Remember these cries now. When you have these moments, remember them, right? Because you also know where you don't want to go back again. Right? The valley is where a lot of the good happens. That's where we get like a lot of for me. a grit. There's one thing I will tell you I have committed to. I will never give up. I will never quit. When I'm committed to something, that is what I have committed to. I will never

I will never give up. I will never quit. That was not I I needed to sneeze. I'm sorry about that. But, you know, bless me. Bless you. Thank you so much. You know what is true but unfortunate but true is that it's the most unfortunate situations and circumstances the difficult situations and circumstances that really teach us the most like how many times have you had something happen that you hated going through it. It was so difficult. Whether it was loss, whether it was a failure, whether it was something an embarrassment and then time pass, years pass, one week, whatever. Time passes and you're through it. And you say, "Boy, what a good thing that did happen to me because I learned XYZ or because of that situation, this person came into my life or because of this situation, I now chose to take this direction and look what it has, you know, taught me." And so, it sucks to go through it though, Jason. But the truth is that it really does help us to grow. It's a it's a morning of sign for me. You know, it is so funny how this video this video is so timely because I'm going to go back to yesterday. I went to church and not going to preach. Not going to preach. The preacher, the speaker, the teacher for the service yesterday. It was ladies service. It was Lisa Higgins. And she drew reference to the story of Joseph. Mhm. And all he had to go through. So he spoke about you know him being born him being favored by his father is in the pretty coat having dreams of him achieving a level of greatness and his family submitting to him as the younger one and that caused uproar you know they sold him all of that and he he had a prss as Jamaican would say of greatness but then his surroundings just buried him and he had to go through being put in a pit going to Piper's house where he was lied on. He had to go to a prison before he had to reach the palace. And it's so funny that in every area he went, his purpose found him there. And it it it it enabled him to step into that greatness. And the punchline for me, TK, is when she said that your humiliation will be your exaltation. I love that. So hearing this now, it is so it is so weird because sometimes we go through so much. We go through so much TK and we expect so much from the persons who are supposed to be there for us and life just it does not turn out that way. Yeah. But even so, it's a process. We always hear about trusting the process and it's so easy to say, but do we really trust the process? So like if you lose your job TK and the persons you expect to be there are not there what you going to do exactly and that's one of the reasons that so many people make the decisions that they make or stay in the relationship that they stay in or keep the job that they they're in or you know make these decisions based on the fear of the what if and the fear of the unknown and the fear of the failure. We don't pursue that dream. We don't launch that product or start that business because we're like gez and peace what if and what if. But the truth of the matter is that even if you do launch the business and it is a massive failure. Patrice White was talking to us about that and how you know she had to you know kind of swerve when she was coming out of one industry and she failed massively so many times but then it led her to now this and it was her difficulty in her journey that has made her start the podcast that she said she's launching on Thursday and speaking to other people and now she's connecting with people she probably wouldn't have had she had a simple journey and not needed um any guidance. And so it's a it's it's it's difficult though because it's hard when you're going through it for somebody to say no man yourself this will make you stronger nowhere yourself this is you just have to have faith and them thing there when really and truly it is really challenging in the moment and at that time. So how do you stay faithful and stay and stay the course and stay positive and say no this is happening for me it's not happening to me it's happening for me it's not happening to me tell me how answer your question tell me how the thing is we often have a victim mindset so when we're going through we like to wallow in self-pity and disdain and we just like to bury ourselves in a cloud of depression and I think the the the key to it is understanding that I have to go through it. Yeah, it's happening because it is supposed to happen. If it was supposed to take you out or on a live view, you wouldn't be able to manage it. That wouldn't have been your story. So, I think when you look at your reality and when you can say, okay, I'm going through this, but it can probably impact someone like what Patric Patrice is doing. She went through things and she found avenues for her experiences to inspire someone else. And you don't know who's impacted by your story. What if one day we hear your story TK cuz people look at you know and they would never think I want to be this fabulous every day. How do you do it? You just wake up like that. But but the truth is a teach there is there is value and there is beauty in the valley moments. I have a twist. I have a twist. At the end of the video, she said, "One thing with me though, I will never give up. I will never give up. If I set out to do something, I will never give up." Sometimes there are times when you should. You have to give up. Sometimes there are things you need to give up on. There people you need to give up on. And and and so I think that that's also can be a very dangerous um message. Now, if you're going through, the only way through is through. So, you can't give up in the middle of a situation. So, I understand that. But in terms of like saying, okay, if I set my mind to something, nothing can't stop me. Sometime you fit up. Sometimes you have to stop. Sometime you fit up. And sometimes the lesson is for you to understand when to stop. Exactly. And and learning how to stop and learn how and learning how to handle because a lot of times, like I said before, we're doing things not necessarily because it's best for us or it's what we want to do. It's based on fear or it's just based on the expectation of others. And sometimes the the challenge and the battle is really overcoming now you know getting that out of my head of I'm expected to do this so I will do this. This is what is expected of a mother. This is what is expected of a Christian. This is what is expected of a man and so therefore I will do it when really and truly maybe is not what he should be doing and that is the battle. The quitting is the battle. so much value on people's expectation of us to the point where we silence our own voice and needs and expectations. It is okay. It's okay to have a thought, you know, or to have a say in the matter, but that cannot be your the precedence for everything. It cannot be. Absolutely. Well, I'm so happy for that. I'm I'm glad for that video. I'm very glad for that mic check. It's always so good talking to you, Jason. You too, TK. It's always good reasoning and sometimes it's really important to have these conversations, you know. Yeah. So that was our mic check and just like that we've reached the end of another wonderful morning here on CM at Sunrise. Thank you so much for waking up with us, sharing your morning with us and allowing us to be a part of the start of your day. What was your favorite part of the show? My favorite part of the show was coffee and ships. Really the message. I'm looking forward to that podcast. I really am. It's a really good show. You know that I like Shamar's information as it related to like rights and how to handle police interaction as well as me learn say even though I'm 23. I was about to say that pension convert Spence. Yes ma'am. You gave it to me this man class me people. The man class me the scenes. The man class me breaking and say excuse me what are you doing with your life? You need a pension plan. So that was really great. Yeah. Yeah. So, if you missed any of today's interviews or conversations, don't worry. You can catch the full show again on the CVM YouTube channel. And remember to follow us on all our social media platforms so you can never miss a moment of the action. So, from everyone here at Sunrise, our producers, directors, floor crew, camera persons, technical team, and of course you, the amazing Sunrisers, take care of yourself, take care of each other, stay safe, and have a productive and blessed Monday. We out

on my lane. My mind running to the other side. When it's time to leave my life to pick me up, tell you what I need right. I really need I really need time. I really need I need a free mind now. I really need.