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Volume 1 | Issue 1 | June 2011
63 rd Annual
The DitateteeEsv!ents 2011
Calypso Competition msDp
RHAND’s 16th Annual Calypso RHAND’s Membership Skills
Competition - 16th Masters and Development Programme (MSDP)
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
February 25, 2011. period of twelve weeks ending in
August 2011. M
RHAND’s 16th Annual Youth Competition Winner
(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
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
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):
Nickesha Kelshall, Lorna Richardson, Carolyn Biggart-Balfour and
Back Row (left to right): Mr. Ainsley Andrews - Manager, Credit
Administration and Mr. James Baptiste - Manager,
Tobago branch office.
Save The Dates!
tee Events 201
June 9 1
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
*1 day event
July 9 TBA *1 day event
Right: Mrs. Ladi Franklin explains the
*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
*1 day event *1 day event Development (RED) Second Module
Members were very appreciative of this TBA TBA
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
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
*1 day event *1 day event
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
“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 email@example.com 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
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
3. attend general meetings.
4. vote at general meetings on all matters to be
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
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.
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.