THE QUARTERLY NEWSLETTER OF BAHAMAS FIRST HOLDINGS LIMITED VOL 9 ISSUE 4 DECEMBER 2012

INSIDE THIS ISSUE

♦ Happy Thanksgiving & Merry

Christmas

♦ Corporate Values

♦ Annual End-of-Year Dinner/Party

♦ Secret Santa

♦ Future Leaders Dev. Programme

♦ Motivational Quotes

♦ Staff News & New Staff

♦ Exam Passes

♦ Birthdays and Anniversaries

♦ Toastmasters Column

♦ Customer Service

♦ Informational pieces

♦ Cayman First

♦ Why sitting all day is killing you

♦ Jokes

♦ No Complaining Rule

♦ Underwriting Corner

♦ HR Tidbits

When work is a pleasure, life is joy.! When work is a duty, life is slavery. Gorky, Maxim

Bahamas First Group

CORPORATE VALUES

**Integrity

**Accountability

**Transparency

**Excellence

**Employee Development

**Financial Stability

**Good Corporate

Citizenship

Happy Thanksgiving & Merry Christmas

Mrs. Santa Claus-Linda

Thompson, Motor Engi-

neer, takes time out to

cheer up the less fortunate.

Way to go Linda!

Some comments from staff:

“We really need to keep our faith strong and our

spirits up!”

“I am indeed grateful today as any other day. There

are so many things that we overlook and consider

small that we take for granted, the birds, the bees,

the air that we breathe, you, me and on and on.. If

we would slow down, observe and stop complaining

so much what a world this would be?? I do agree

with you, in all things we must give thanks.”

“I am also thankful that you are a GREAT Human

Resources Manager, although I feel you do not re-

ceive the utmost respect you deserve.

Nonetheless, stand proud and continue to be non-

partisan and professional in all of your undertak-

ings.”

Nicole Leary just knows

how to show off with a

complete table setting (for

one) including wine. Her

Secret Santa had class.

Secret Santa group

enjoyed treats, gifts

and fellowship over

stew fish, grits and

johnny cake!!

Yummy

Lorraine is

just so

special!

“It is great to have you in my life.

I’m so thankful for you!:-) Thank

you for being my mentor and

friend! Love ya tons!”

“A good reminder to give

thanks!”

CCC organized a spectacular event aboard the Carrousel

Electric Slide is still popular. Watch out Delores! Table of beauties

CEO, Mrs. Ward and

CFO unwind

And

early the

next

morn-

ing...

FIRST INSIGHT 2

Farewell

to Timyka

Davis

FUTURE LEADERS DEVELOPMENT PROGRAMME

Criselle

King

Drew-Erin

Bartlett Raymond

Imhoff

To retain a key employee the company and its

management team must provide an environment

that is productive and comfortable for its employ-

ees to perform. There are many ways to retain an

employee including:

-Clearly explain and advise what is expected

from the employee every day at work

-Quality of supervisors matches the organiza-

tions goals and vision.

-Provide an environment where an employee

can voice their concerns without being

ridiculed or victimized.

-Place an employee in a position that best fits

their career objectives, knowledge/skills.

-Exemplify fair treatment.

-Provide relevant training programs.

-Acknowledgement from management of

how the employee is performing on a

consistent basis whether bad or good.

-Identify and address employee needs.

-Allow anonymous feedback.

-Create a fun environment.

-Compensate and place employees in posi-

tions commensurate with their academic

backgrounds.

-Pay attention to employees, not only at the

hiring interview but once they are selected and

are employed by the Company

-Today, the average professional has in place,

career goals and objectives that he intends to

achieve. It is imperative that ‘persons in

charge’ discuss with each employee the desired

training and career path for the specific role

that he may fill. Often times, this conversation

is left for the exit interview, which is too late.

-Periodic evaluations should be in place for

efficiency and an employee’s attitude toward

his role and the company as a whole

- Periodic discussions of employee goals, both

long term and short term, along with provision

of the tools needed to complete them success-

fully.

-Value the employee’s work experience, skills

and knowledge

- For smaller companies with less room for

growth for professionals, the implementation

of tiers (e.g. engineer 1 , 2 and 3) for each de-

partment can provide employees with a means

of reward and recognition that can reinforce

their performance and hard work.

Provide good benefits,

good working conditions,

a safe and healthy envi-

ronment

Provide opportunities for

advancement (upward or

lateral)

Provide managers and

supervisors with relevant

training, to have a con-

science and a heart hold

them accountable.

Incentive programmes

STAFF

RETENTION

Area Wilson-Pratt and the bouncing

baby boy - hurry and come back of

maternity leave.

MOTIVATIONAL QUOTES - STAFF NEWS

FIRST INSIGHT 3

Submitted by Frances McKenzie

Oliver, Manager CR

Practice makes progress.

Chipping away at an unfinished project

or striving to adopt a positive new habit

may at times leave me feeling disheart-

ened. I may even want to throw in the

towel. To stay encouraged, I remind

myself: Practice makes perfect. Or, bet-

ter yet: Practice makes progress!

Rather than trying to be perfect, I prac-

tice to keep moving in the right direc-

tion. Every bit of progress is good, even

if it falls short of perfection. The affir-

mation, Practice makes progress, keeps

me motivated and gives me the energy

boost to keep going.

I continue taking small yet significant

steps without stress or discouragement,

and I feel a growing sense of accom-

plishment. Practice really does make

great progress!

Put these things into practice, devote

yourself to them, so that all may see

your progress.—1 Timothy 4:15

Submitted by Dennis Lockhart, Risk

Surveyor, U/W

The choice to lead True, effective leaders do not demand or proclaim or intimi-

date. They encourage, inspire and lead by example.

True leaders become leaders not because of their titles, but

because of their work. Real leaders have no need to make

promises, because it is already obvious to everyone that they

get results.

The world can always benefit from more good, effective lead-

ers. You can make the choice to be one.

Leadership is difficult and demanding, and often a thankless

job. Yet without honest, authentic, effective leadership, the

world would devolve into chaos.

The job of a real leader is not to tell people what to do. The

job of a real leader is to enable each and every person to be his

or her absolute best, and to point all those people in a positive

direction.

You don’t need anyone’s permission to be a leader. All you

have to do is to genuinely and respectfully make a positive

difference in the lives of others.

— Ralph Marston Submitted by Bonnie Nguyen, HR

STAFF NEWS

FIRST INSIGHT

Bahamas First Holdings Ltd.

Bahamas First Centre

32 Collins Avenue

P. O. Box SS-6238

Nassau, Bahamas

4

FIRST INSIGHT

NEW STAFF NEW STAFF NEW STAFF

Fav. Food. Lasagna

Fav. Author. Joel Osteen/TDJakes/

John Grisham/Robert Ludlum (I

know author is single but I love

them all J)

Fav. Music: Contemporary/Piano/

Sax

Fav. Sport: Basketball

Fav. Color: any pastel color

Children: 2 boys 1 girl Onan (20),

Syntyche (18), Jadon (3)

Married: Charles Culmer

Theresa Culmer,

NUA,

CSR,

Eleuthera

Jennymae

Gaitor,

CSR,

Eleuthera

Fav. Foods: Pasta salad and of

course Peas & Rice, Macaroni

and Cole-slaw (in moderation).

Fav. Colour: blue

Fav: music: Gospel

I love track and field. I am

Methodist and very actively

involved in my Church. I enjoy

baking, cooking and reading. I

have a beautiful daughter who’s

name is Jessica, she lives in

Nassau and is a certified Mas-

sage Therapist. I am single (but

attached). Smile!!!!!!!!. I am a

down-home kinda girl who

loves and enjoy life to the full-

est and love the finer things in

life.

Tanya Mortimer-

Miller,

NUA,

CSR, Harbour Bay

Caron Moss, CSR,

Harbour Bay

Fav. Food-Jerk

Fav. Author-Steve Harvey

Fav. Music-R&B

Fav. Sports-Volleyball

Fav.Colour-Blue

Married-Yes/Two kids

Religion-Christian

Fav. Food – Steamed Crawfish

Fav. Author – Daniele Steele

Fav. Music – Classical & Gospel

Fav. Sports – Track & Field

Fav. Colour – Turquoise

Church – Abundant Life Bible

Church/Religion – Brethren

Married/2 Kids

Fav. Food: Fish,chicken, vege-

tables, nuts

Fav. Music: Jazz, 80's classics,

Bahamian

Fav author: John Grisham

Fav colour: Blue

Church/religion? Christ Com-

munity Church/ Abundant Life/

Christian

Married: (name of spouse)

Dorenda

Children (names) Justin (10),

Jasmine (7)

Jeffrey Davis Asst. Risk Surveyor

Underwriting

Fav. Food: Pizza (Pepperoni & Sau-

sage)

Fav. Music: Kingdom Melodies/R&B

Fav author: Watchtower Bible & Tract

Society

Fav colour: Black

Church/religion? Jehovah’s Witness

Married: (name of spouse)-Benson

Valcin

Children:-Ber’nae Valcin

Randanette Moss–

Valcin, Admin. Asst.

NUA

Telcine Saunders,

CSR GBA (GB)

Fav. Music is: R & B, Soul (old

school at heart)

Fav. Artist: Luther Vandross

Fav. Color: Coral

Religion: Jehovah’s Witness

Fav. Food: Pork Chops (not

good for me I know)

I have been working in the in-

surance industry for over 20 yrs,

in both Life/Medical Insurance,

and General Insurance. I am

ALMOST single, with no chil-

dren and an only child to a sin-

gle mother now deceased. I

enjoy dancing, drawing, and

hanging out with friends. My

religion is a big part of my life

as well. I am quite the prankster

and am very humorous. I love to

laugh.

FIRST INSIGHT

S T A F F N E W S

5

BIRTHDAYS

Nicole Leary Oct 2nd

Valarie Darville Oct 7th

Andalino Sands Oct 8th

Alfred Spence Oct 9th

Angella Stuart Oct 11th

Blythe Bailey Oct 11th

Anishka Collie Oct 12th

Edith Bethel Oct 12th

Lyndell Hanna Oct 21st

Gregory Williams Oct 21st

Karen Smith-Marcel Oct 26th

Paula Adderley Oct 27th

Daphne Rolle Oct 27th

Nicole Williams Oct 30th

Insley McKinney Nov 1st

Simone Henfield Nov 1st

Jeffrey Davis Nov 6th

Rovan Humes Nov 8th

Jamaal Davis Nov 9th

Anthony Ingraham Nov 9th

Lashell Adderley Nov 11th

Shakaria Moxey Nov 16th

Patrice Clarke Nov 19th

Karen Curtis Nov 26th

Shanria Cooper-Swann Nov 27th

Carla Stafford Dec 3rd

Meredith Carter Dec 5th

Brenda Lockhart Dec 15th

Alpin Taylor Dec 17th

Annette McPhee Dec 20th

Shavonne Moss Dec 22nd

Jacqueline Gardiner-Smith Dec 23rd

Nakia Williams Dec 25th

Deron Adderley Dec 29th

ANNIVERSARIES TOASTMASTERS How many times have you had to make a SPEECH or talk to A COWORK-ER, EMPLOYEE , CLIENT OR ANOTHER manag-er AND WANTED to be more effective? Join TM today and experi-ence the benefits: be clearer in speech Be easier to remember Be more credible Be more enjoyable Be more organized Be more interesting Be more marketable Be noticed Be more professional

CUSTOMER

SERVICE

Grace Cartwright 22yrs Oct 1st

Richard Darville 21yrs Oct 1st

Shevia Kemp-Ferguson 9yrs Oct 1st

Valya Gray 3yrs Oct 1st

Meredith Carter 1 yr Oct3rd

Frances McKenzie Oliver 30yrs Oct 8th

Denise Vaval 10yrs Oct 28th

Rozalia Bowe 32yrs Nov 1st

Shantel Wilson 4yrs Nov 3rd

Rochelle Roberts 4yrs Nov 17th

Portia Davis 25yrs Nov 23rd

Patrice Moxey 8yrs Dec 1st

Karen Marcel-Smith 13yrs Dec 1st

Inah Gray 7yrs Dec 5th

Nicole Williams 4yrs Dec 10th

Mark Taylor 14yrs Dec 14th

Charlene Pinder 34yrs Dec 20th

Paulette Sands, Toran Sands & Criselle King,

FRL were complimented on the service (from the

accident scene to the claim settlement!) received

from you three! Satisfied customer

INSURANCE EXAMINATIONS

Certificate in Insurance

Nicola Major, NUA, HB Service Centre

Tanya Mortimer-Miller, NUA, HB Service

Centre

Paula Adderley, Manager, Claims—Litigation

CONGRATULATIONS Ladies!

NUA takes time to show their Customers

appreciation at Harbour Bay in December

and January for Collins Avenue. More in the

next Newsletter on the P.R.I.D.E. factors,

the customer service benchmarks and the

training.

CONGRATULATIONS ALL

FIRST INSIGHT

6

STAFF NEWS

About Heart attacks….We did not know that you should not lie

down while waiting for the EMT

Heart attack info “NEW ASPIRIN

Just a reminder to all: purchase a box, keep one in your car, pock-

etbook, wallet, bedside, etc.

Bayer is making crystal aspirin to dissolve under the tongue. They work much faster than the

tablets. Why keep aspirin by your bedside?

There are other symptoms of an heart attack besides the pain on the left arm. One must also be

aware of an intense pain on the chin, as well as nausea and lots of sweating,

however these symptoms may also occur less frequently. Note: There may be NO pain in the chest

during a heart attack .The majority of people (about 60%) who had a heart attack during their sleep,

did not wake up. However, if it occurs, the chest pain may wake you up from your deep sleep. If

that happens, immediately dissolve two aspirins in your mouth and swallow them with a bit of wa-

ter. Afterwards: CALL 911 - say "heart attack!" - say that you have taken 2 aspirins.. - phone a

neighbor or a family member who lives very close by and sit in a chair.

Submitted by Shakaria Moxey, U/W

Finally I get my very own

Bahamas First mug which

I will cherish!

Alpin Taylor, FRL

Bits and Pieces

Anishka Collie’s first

Agency luncheon—

and a gift too!

Bonnie Nguyen and Tracy

Bonczek share a light moment at

the Agency Luncheon

Everyone wants

designer labels….

FIRST INSIGHT 7

CAYMAN FIRST

Ms. Kamala Bennett. In correcting an oversight re-specting one of my vehicles she demonstrated professionalism in resolving my problem, correct-ing it in a most timely and ef-ficient fashion and communi-cating in a personal and amica-ble style. Kamala obviously is a valued member of your staff and has earned my applause for her ef-forts. A satisfied customer

CONGRATULATIONS!!!!!!

Priscilla Pouchie has completed all six cours-

es to earn her Health Insurance Associate

(HIA) designation. Please join me in congrat-

ulating her on this wonderful achievement!

Christmas photo with staff

Bags filled with groceries,

household items and toys are

from a program called Cay-

man’s ARK (Acts of Ran-

dom Kindness). Our staff and

the Company filled these

bags and Kahlill, David and

Elisa delivered them to the

Discovery Centre at Camana

Bay.

Staff gather in Mardi Gras style at

the Marathon. Gordon Phillip, our

half marathon CFO!

Customer Appreciation

Day—Joanne Bodden,

Kahlil Strachan and Elisa

Brown

FIRST INSIGHT

8

Health and Wellness—Useful Information from HR

Submitted by Linda Basden, CSR, NUA

GOOD GOSSIP FROM ABOVE IS THE GREATEST WORD OF ALL. Look back and thank God.

Look forward and trust God.

Look around and serve God.

Look within and find God!"

Who wouldn't forward it!!!

God closes doors no man can open and

God opens doors no man can close.

If you need God to open some doors for you...

send this to ten people including me, and if you don't need

God to open some doors for you, just delete it. Without God our week would be: Sinday, Mournday, Tearsday,

Wasteday, Thirstday, Fightday & Shatterday.

If you are not ashamed of God pass it on ........

Why sitting all day is killing you

(MoneyWatch) Warnings about the adverse health impact of sedentary workplace behaviors have

been all over the news lately. For instance, sitting more than six hours per day makes you 40 percent

likelier to die within 15 years than someone who sits less than three hours, according to one recent

infographic -- even if you exercise.

What's wrong with sitting? The effects of spending too much time in a chair are manifold. Electrical

activity in leg muscles shuts down; your body effectively stops burning calories; enzymes that break

down fat drop by 90 percent; HDL cholesterol production drops by 20 percent; and the risk of dia-

betes increases 24 percent.

According to the BBC, scientists say that reducing your sitting time to three hours a day can add

two years to your life expectancy. And it's not just sitting that's a problem, apparently -- any posi-

tion that you adopt for long periods of time can have risks:

Adopting any one posture for a long time is bad, says Jane White from the Institution of Occupational Safety

and Health. "Some of the [Metropolitan Police Service officers] recently collapsed at a passing out ceremony

from standing up for too long. It's being static that's the health issue -- it slows down the circulatory system,

blood, oxygen, and vital nutrients."

That's great to know, but the reality is that you probably have a traditional desk and swivel chair.

Your options are limited. What can you do? Quite a bit, actually. Here are some small ways to im-

prove your ergonomics:

- Ask your company whether it will invest in a stand-up desk for you. Some businesses will,

especially if you provide a note from your doctor.

- Stand whenever you can. If you're not typing at your PC, work standing up. You can stand to

take phone calls, for example.

- Hold walking meetings. My manager and I recently started conducting our weekly meetings out-

doors by taking a long walk between our office and the beach (and back again). Not everyone is sit-

uated in scenic Santa Monica, Calif., of course, but walking somewhere while you talk business can

be a good thing.

- Hold standing meetings. This may have the added benefit of making gatherings shorter, which is

great because everyone hates long meetings.

Shakaria Moxey, Bus. Dev. Officer

FIRST INSIGHT 9

BITS AND PIECES…….

JUNIOR ACHIEVER’S F.L.I.G.H.T..S.

Nicole Leary, JA Executive Advisor and Coordinator and Nicole Williams with some students delivering items to Persis

Rodgers Home for the Aged. Other Advisors Chandrice Ferguson, Timyka Davis, Rochelle Roberts and Raymond Imhoff

look on. Not included in photos: Criselle King, Shevia Kemp, Elizabeth Smith, Shakaria Moxey & Bonnie Nguyen

JA students display their creativity with Christmas cards as well as high-fashion jewelry, sold at JA Day in

Rawson Square

NUA’s ACQUISITION of the Josh Culmer Insurance Agency, Palmetto Point, Eleuthera. This event was celebrated

in Eleuthera to mark the official launch of the agency.

FIRST INSIGHT

10

Some Senior Thoughts

God grant me the senility to forget the people I

never liked, the good fortune to run into the ones

I do, and the eyesight to tell the difference.

Now that I'm older here's what I've discovered:

1. I started out with nothing, and I still have

most of it.

2. My wild oats have turned into prunes and all-

bran.

3. I finally got my head together, and now my

body is falling apart.

4. Funny, I don't remember being absent-minded.

5. Funny, I don't remember being absent-minded.

6. If all is not lost, where is it?

7. It is easier to get older than it is to get wiser.

8. Some days, you're the dog; some days you're

the hydrant.

9. I wish the buck stopped here; I sure could use a

few.

10. Kids in the back seat cause accidents.

11. Accidents in the back seat cause kids.

12. It's hard to make a comeback when you have-

n't been anywhere.

13. The only time the world beats a path to your

door is when you're in the bathroom.

14. If God wanted me to touch my toes, he'd have

put them on my knees.

15. When I'm finally holding all the cards, why

does everyone want to play chess?

16. It’s not hard to meet expenses...they're every-

where.

17. The only difference between a rut and a grave

is the depth.

18. These days, I spend a lot of time thinking

about the hereafter...I go somewhere to get some-

thing and then wonder what I'm here after.

19. Funny, I don't remember being absent-

minded.

20. I'M UNABLE TO REMEMBER WHETHER

I'VE SENT YOU THIS BEFORE.

A.A.A.D.D. (Age Activated Attention Defict Disorder)

Submitted by Inah Gray , NUA Exuma

I decide to water my garden. As I turn on the hose in the drive-

way, I look over at my car and decide it needs washing.. As I start

toward the garage, I notice mail on the porch table that I brought

up from the mail box earlier. I decide to go through the mail be-

fore I wash the car. I lay my car keys on the table, put the junk

mail in the garbage can under the table, and notice that the can is

full.

So, I decide to put the bills back on the table and take out the

garbage first... But then I think, since I'm going to be near the

mailbox when I take out the garbage anyway, I may as well pay

the bills first. I take my cheque book off the table, and see that

there is only one cheque left. My extra cheques are in my desk in

the study, so I go inside the house to my desk where I find the can

of Pepsi I'd been drinking.. I'm going to look for my cheques, but

first I need to push the Pepsi aside so that I don't accidentally

knock it over. catches my eye--they need water. catches my eye--

they need water. I put the Pepsi on the counter and discover my

reading glasses that I've been searching for all morning. I decide I

better put them back on my desk, but first I'm going to water the

flowers.

I set the glasses back down on the counter, fill a container with

water and suddenly spot the TV remote. Someone left it on the

kitchen table. I realize that tonight when we go to watch TV,

I'll be looking for the remote, but I won't remember that it's on

the kitchen table, so I decide to put it back in the den where it

belongs, but first I'll water the flowers.

I pour some water in the flowers, but quite a bit of it spills on the

floor. So, I set the remote back on the table, get some towels and

wipe up the spill. Then, I head down the hall trying to

remember what I was planning to do. At the end of the day:

the car isn't washed the bills aren't paid there is a warm can of

Pepsi sitting on the counter the flowers don't have enough water,

there is still only 1 check in my cheque book, I can't find the re-

mote, I can't find my glasses, and I don't remember what I did

with the car keys Then, when I try to figure out why nothing got

done today, I'm really baffled because I know I was busy all day,

and I'm really tired. I realize this is a serious problem,

and I'll try to get some help for it, but first I'll check my e-mail....

FIRST INSIGHT 11

Information and Jokes

Blonde MEN Jokes Two blond men find three grenades, and they decide to take them to a police

station. One asked: "What if one explodes before we get there?" The other

says: "We'll lie and say we only found two."

A blonde man is in the bathroom and his wife shouts: "Did you find the sham-

poo?" He answers, "Yes, but I'm not sure what to do... it's for dry hair, and

I've just wet mine."

A blonde man goes to the vet with his goldfish. "I think it's got epilepsy," he

tells the vet. The vet takes a look and says, "It seems calm enough to me." The

blonde man says, "Wait, I haven't taken it out of the bowl yet."

Safety Tips Women have a tendency to get into their cars

after shopping, eating, working, etc., and just sit

(doing their checkbook, or making a list, etc.

DON'T DO THIS!)

The predator will be watching you, and this

is the perfect opportunity for him to get in

on the passenger side, put a gun to your head,

and tell you where to go.

AS SOON AS YOU GET INTO YOUR CAR ,

LOCK THE DOORS AND LEAVE..

If someone is in the car with a gun to your head

DO NOT DRIVE OFF, Repeat:

DO NOT DRIVE OFF!

Instead gun the engine and

speed into anything, wrecking the car.

Your Air Bag will save you. If the person is in the

back seat they will get the worst of it. As soon as

the car crashes bail out and run. It is better than

having them find your body in a remote location.

Submitted by Frances-McKenzie Oliver

Do you remember when….

Editor’s Note: Yes GenXers and Y’s, we use

to scrub our clothes on a scrub board, sharpen

our pencils with a knife, make our own sling

shots and shoot marbles and my favourite—

play hopscotch..

Submitted by J. Lashell Adderley, Legal &

Compliance Manager & Corporate Secretary

Back in the

day...those were the

fun times….but

Lashell is too young

to know about these!!

UNDERWRITING CORNER

By Pauline Ward, Sr. Vice President,

Underwriting & Reinsurance

FIRST INSIGHT

Bahamas First Holdings Ltd.

Bahamas First Centre

32 Collins Avenue

P. O. Box SS-6238

Submit articles to:

bonnien@bahamasfirst.com Bonnie Nguyen—Editor/Producer

Annette McSweeney, CPS, BSc.—Co-producer

FIRST INSIGHT 12

CONTRIBUTORS: Karen Marcel, Bonnie Nguyen, Gina Sands, Linda

Thompson, Linda Basden, Frances McKenzie-Oliver, Future Leaders—Criselle

King, Drew-Erin Bartlett, and Raymond Imhoff, Pauline Ward, Shakaria Hopkins-

Moxey, Theresa Culmer, Jennymae Gaitor, Jeffrey Davis, Tanya Mortimer-Miller,

Caron Moss, Telcine Saunders, Randanette Moss-Valcin, Nicole Major, Paula Adder-

ley, J. Lashell Adderley, Alpin Taylor, Anishka Collie, Tracy Bonczek, Inah Gray and

our Cayman team—Elisa Brown

Editor’s Message Bonnie Nguyen Group HR/Training Manager

HAPPY NEW YEAR

This year, in addition to your usual two prom-

ises to save more money and lose more

weight, work with me on overcoming some of

our negativity and focusing more on the posi-

tive things in our lives, in our companies and

with our fellow-workers. It is said that if you

want to be happy, develop relationships with

your coworkers. Do you believe this? Write

and let me know.

Fraud & Dishonesty

HR TIDBITS—DID YOU KNOW….

HEALTH AND SAFETY IN THE WORKPLACE

It is imperative that the Company ensures that we have

a healthy and safe environment. It does this in many

ways—from ensuring the temperature in the building

is acceptable, providing proper ventilation and light-

ing, ensuring hallways are not cluttered or cleaning up

water or other liquids on the floor that can cause acci-

dents, storage\ing or disposing of toxic and inflamma-

ble materials, etc.

Employees must also actin a manner conducive to

healthy and safe work habits, behaviours and attitudes..

They should obey and abide by the Company’s poli-

cies, procedures, and guidelines which are in place to

assist them in the proper handling of their duties, fol-

lowing established steps and controls and provided for

their own well-being and safety and fellow employees.

The above relates but is not limited to Accidents on the

job, CPR and First Aid, Fire Drills, Grievances and

Suggestions handling, Housekeeping, Security, Smok-

ing, and Substance abuse.

If in doubt, contact your manager first and also ask for

HR’s input and guidance.

The NO COMPLAINING RULE:

THE COMPLAINING FAST

1. Establish a non-complaining day (FAST). It causes

you to monitor your thoughts and realize how nega-

tive you really are. Then go for a week, a month

and then a year. Like quitting any bad habit, it’s

one day at a time. You will be shocked

at what comes out of your mouth and

pops in your head.

CHANGE BEGINS WITH YOU!!

There are many potential sources of loss due to acts of fraud and dishon-

esty , apart from the dishonest acts of employees which form the subject

of fidelity guarantee insurance.

Cheque Writing and Signing Machine Indemnity Insurance can be provided to cover losses due to the unauthorized use of

such machines or the fraudulent alteration of cheques. Cover is on an

annual basis with an agreed limit of indemnity for any one cheque and an

aggregate limit for any one year. The premium depends on the total value

of cheques passing through the machine.

Forged Transfer Indemnities If company shares or stocks are transferred from one name to another due

to the production of forged documents or fraudulent computer instruc-

tions , the registrar and the issuing company may be liable for losses in-

curred by the real owner. An annual insurance policy can be obtained for

the benefit of a professional registrar or corporation to provide an indem-

nity against such losses.

Fraudulent Withdrawals and Forged Signatures Institutions such as banks may seek an indemnity against payments being

made to persons fraudulently withdrawing sums from accounts. Insur-

ance is arranged on an annual basis with an adjustable premium based on

total withdrawals each year. Cover is subject to a limit of indemnity

against any one act and an aggregate limit in any one year.

Direct Debiting Indemnity

A company often collects regular payments from a customer through a

direct debit from a customer’s account. Before a company is allowed to

use this facility it must agree to indemnify the banks participating in the

system against any loss that may be suffered by them as a result.

A direct debiting indemnity covers the legal liability of the company un-

der the indemnity to the banks excluding claims arising as a result of

fraud or dishonesty on the part of the insured, their employees or agents.

Premiums vary depending on the amount collected by direct debit and the

limit of indemnity required. Such policies do not cover loss of interest

and administrative charges.