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Vision: mission: The model Credit Union and To satisfy members’ needs leading provider of financial and through creativity and foresight other services in the Caribbean. by providing competitive financial and other products and services www.rhand.org.tt 62-RHAND See us on Keeping you in the Volume 1 | Issue 1 | June 2011 63 rd Annual General Meeting The DitateteeEsv!ents 2011 Save Calypso Competition msDp RHAND’s 16th Annual Calypso RHAND’s Membership Skills mm tion Co Competition - 16th Masters and Development Programme (MSDP) Educa ore Inside! 3rd Youth - was held at the Credit Module 1, commenced on Tuesday Union’s outer car park on Friday May 31, 2011 and continues for a Up coming February 25, 2011. period of twelve weeks ending in August 2011. M RHAND’s 16th Annual Youth Competition Winner CALYPSo CoMPETITIoN (from Tobago) – Garve’ Sandy “T & T a better Place” RHAND’s 16th Annual Calypso Competition - 16th Masters and 3rd Youth - was held at the Credit Union’s outer car park on Friday February 25, 2011. Mr. Martin Minguell (President) welcomed the gathering before handing over to Mr. Ainsley “MC Credit” Andrews, RHAND’s Credit Manager. Fourteen (14) persons took part in the followed by Tenisha Weekes with “Wash Masters category, which was won by Dey Mouth”. The Youth competitors Stanley Adams singing “Protected by the received rave reviews from all present for Law”. Second place went to Terry Marcelle the professionalism of their performances. with “PNM’s Mistake Ignoring Calypso”, The audience also loudly applauded and third place to Sheldon Bullen, singing guest artistes: Mr. Roderick “Chucky” “Then we will rise”. Gordon (our former reigning monarch) In the Youth competition, only three and Mr. Carlos “Skatie” James, who had (3) contestants, including one (1) from the audience alternately in stitches and in Masters Competition Winner; Tobago, took part. First place went to serious mode. People’s Choice; Best Lyrics; Garve Sandy with her presentation of Music was provided by Mr. Neville Brown Most Original – Stanley Adams “Protected by the Law” “T&T a Better Place”. Second Place went and his music band. to Ezekiel Yorke singing “We Legacy”, MEMBERSHIP SKILLS DEVELoPMENT PRoGRAMME FINANCIAl RHAND’s Membership Skills RHAND Credit Union has partnered with the Development Programme (MSDP) Central Bank - National Financial Literacy Module 1, commenced on Tuesday Programme (NFLP) - to spread the gospel May 31, 2011 and continues for of financial prudence. The NFLP provides a period of twelve weeks ending a range of financial counselling services to in August 2011. The classes were organisations, communities and the nation Members of the Baking and Pastry Arts class listen to the tutor. offered in response to members’ at large. requests and were very well In partnering with the NFLP, RHAND subscribed. In Port of Spain, the is ensuring that our members possess following classes are being hosted: the financial wherewithal to weather the • PVC meets Lumber current and future economic challenges the • Basic Electrical Wiring & Small country is experiencing. Our Membership Appliance Repairs Skills Development Programme (MSDP) • Fashion Essentials Module` 1 registrants were the first to Ms. Shelly Ann Lovell-Williams (tutor) guides the class through a recipe. • Beauty Therapy benefit from this partnership. On Thursday • Baking & Pastry Arts May 26, 2011, Fifty-Two (52) members • Tile Laying So, if you missed Module 1, look out for were enriched by the expertise of Mrs. • Dance Module 2 which commences in September Ladi Franklin. Ms. Franklin is a Female • Know Your Car & Tune Up 2011 with new and exciting course options. Management Executive with twenty (20) In Arima, the following courses are offered: Check our website - www.rhand.org.tt or years experience in Finance, Marketing, • Beauty Therapy visit us on Facebook or call us at: Human Resources and General Management. • Tile Laying 627-4263 ext. 216/233/238. 63 rd Annual General Meeting RHAND’s 63rd Annual General Meeting (AGM) was convened on March 19, 2011, at the UWI Sports & Physical Education Centre, St. Augustine, Trinidad and at the 631 & members registered in Trinidad 113 in Tobago Members proudly submit their ballots for the election of a new Board of Directors. Works Conference Centre, Scarborough, Tobago. Union’s stability, “despite strong external Tobago members cast their votes with guidance from RHAND Security Officer Desonpere and Credit Officer, Ermyn Clarke. The two venues were linked employing shocks” and of the Board’s determination video conferencing technology, which, to maintain RHAND’s status as the “Model except for one or two minor “hiccups” Credit Union.” worked quite satisfactorily. The meeting moved briskly despite the Mr. Martin Minguell, President, in his lively exchanges between some members address, assured members of the Credit and the Head table. Mr. Martin Minguell President Mr. Kedron Duke director Bottle and Spoon winner (Trinidad) - Mr. Ainsley Andrews - Manager, Credit Administration presents Ms. Shelley Charles with Mr. Trevor Percival Vice- President Mr. Trevor Boissiere director her prize while Mr. Martin Minguell - President, looks on. Mr. emmanuel Walker secretary Mr. Martin Gibbs director Ms. Marlene Felix asst. secretary Mrs. Monica Richards director Mrs. Theresa Agulia-Joseph treasurer Ms. Glenda Bruce director Mr. earl Nesbitt director Mr. Neil Parsanlal 1st substitute Mrs. Christine Campbell director Mr. John Self 2nd substitute Bottle and Spoon winners (Tobago) - Front Row (left to right): lITeRACY Nickesha Kelshall, Lorna Richardson, Carolyn Biggart-Balfour and Barbara Lewis Back Row (left to right): Mr. Ainsley Andrews - Manager, Credit Administration and Mr. James Baptiste - Manager, Tobago branch office. Save The Dates! Upcoming Edu cation Commit tee Events 201 June 9 1 3rd Qtr RHAND Orientation RHAND Orientation June 27 June 29 Above: MSDP registrants listen to New Members Orientation to attentively to the presenter, *1 day event to New Members 2nd Orientation to Iteration Secondary School Secondary School Mrs. Ladi Franklin TOBAGO TBA *1 day event TRINIDAD July 9 TBA *1 day event Right: Mrs. Ladi Franklin explains the TBA TBA *1 day event fundamentals of financial literacy to SEA Awards the members. Ceremony RHAND On D’ ROAD RHAND On D’ ROAD RHAND *1 day event 1st Iteration 2nd Iteration MSDP Entrepreneurship *1 day event *1 day event Development (RED) Second Module Members were very appreciative of this TBA TBA June/July forum and deemed it to be a very valuable MSDP Achievement Day Youth Essay Writing August July/August complement to the skills they would acquire *1 day event Competition Recognition of Formal Launch of RHAND Youth Vacation Camp over the next twelve (12) weeks of the the RHAND October TBA Youth Arm *2 weeks MSDP. Based on this feedback, we know TBA October Youth Outreach TBA December that we made a wise choice by adding this Ministry Outreach Health/Financial Activities Credit Union Financial Planning segment. Literacy Seminars Rooftop Lime Children’s Month Activities Christmas Party Look out for MSDP Module 2 in September! TBA- To Be Annou nced *1 day event *1 day event Members ! Speak INVEST in a “RHAND is my helper, a very good Credit Union in times of need. You can always count on RHAND. The courses (MSDP) are very good. Keep up the good work.” - Joan Cambridge, member for 15 years “Great institution, I am always happy to participate in the many Today programmes offered. It builds and enhances the skills of its Do not let your hard-earned money slip right through your hands. members. An organisation committed to continuous training and Earn a superior rate of return for the future, thereby compensating development. Excellent service.” - for opportunities foregone in the past. Gloria edwards-Joseph, member for 20 years. The annual rates of interest applicable for twelve(12) month RHANDeposits are as follows:- “RHAND is a very good Credit Union in time of need.” - INTEREST PAYMENT FREQUENCY Sherry Ann Duke, member for 15 years. Principal Sum Invested Monthly Quarterly Semi- Annually Annually “Great idea to extend the Membership Skills Development $ 1,000.00 - $24,999.99 0.12% 0.37% 0.75% 1.50% Programme (MSDP) to non-members. I think that the cost for these $25,000.00 - $49,999.99 0.14% 0.43% 0.87% 1.75% courses is very reasonable.” - $50,000.00 - $99,999.99 0.17% 0.50% 1.00% 2.00% Rosabelle Gellineau, member for 2 years. $100,000.00 and over 0.19% 0.56% 1.12% 2.25% “RHAND Credit Union has always been there for me in times of need. I have never once been let down and I’m very pleased that they are giving these courses to their members.” - RHAND Credit Union elizabeth Walker, member for 5 years. Co-operative Society Limited 57-61 Abercromby Street, Port of Spain Email : “I have participated in about twenty (20) MSDP classes and I firstname.lastname@example.org Website: www.rhand.org.tt enjoyed them to the fullest and I am able to utilize my skills and make extra money.” - June laing-Williams, member for 30 years. Call 62-RHAND(4263) ext 233, Branch Offices (Arima) 664-1181, (Tobago) 635-0127 “It is very rewarding to be a member in a Credit Union that seeks Rights the interest and continuous development of its members.” - Michele Seifert-Thompson, members for 15 years. “I think that the Credit Union should offer more courses to develop other skills e.g. computer courses, probably every month.” - lauren Newton, member for 1 year, 8 months. of Members “I appreciate the opportunity to learn new and interesting things.” - Stephanie Power, member for 29 years. To 1. be informed on all matters pertaining to the Society. 2. be heard on all points by those who are going to vote on the points under New Member Orientation discussion. 3. attend general meetings. 4. vote at general meetings on all matters to be determined. 5. nominate members to the various Committees or Board of the Society. 6. be nominated to the various Committees or Board of the Society. 7. be elected to the Committees or Board of the Society. Above: Mr. Trevor Percival speaks on the history of RHAND and what 8. apply for the services of the Society. it means to be a member of a 9. transfer his/her shares. Credit Union. 10. be given a share in the surplus for Right: Ms. Florence Rajoo, distribution to the membership. Research Officer presents this lucky member with her prize 11. withdraw or resign. 12. examine the books of the Society.
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