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8 Tips to Consider Before Taking Action

Latoya Waugh



There is extensive literature available online and countless books written in relation to how we can learn to take action in our every lives. I must confess, this was never one of my greatest strengths. I am sure that others along with myself have been crippled by fear, procrastination and the daunting “maybe I shouldn’t”, or the “maybe I will do it another time” excuses. But have you ever thought about what you have either missed or would have benefited, if you just took action?

What some people fail to understand in my view, is that taking action is never as easy for some as it is for others. Many persons have been trapped in a cycle of self-sabotaging habits that continues to stifle their ability to successfully achieve their desired goals. It takes more than just writing down affirmations, reading books and listening to inspirational videos. It requires commitment, discipline and consistency to take decisive action.

There are many persons who right now are comfortable with their excuses, so they will never do what it takes to take action or to change their circumstances. On the other hand, there are others who have no idea where to start; and others who just need that ‘push’ to help them to leap into action. Whichever category you may fall, I am here to offer help to all.

So you have identified that you are ready to take action, what are some of the things you need to keep in mind before, during and after.

Get clear on what you want to do and where you want to go in your life:

This is never an easy decision for many people, but it is a necessary step that one must make. The truth is, not having some clarity about what you want may result in you going around in circles (especially in your mind), taking on activities (for example a job, relationships etc.) you have no interest or care for and then, you end up feeling frustrated with people in your life and the world in general. Deciding on what you want for your life, may not be as frightening as you think. Sometimes, making resolute decisions about where you would like to see yourself in a year’s time or two makes all the difference in the world. Making a decision to start small may be the best step you take in this process, especially if you are not able to visualize your future as clearly.

Write down the things you want to do or to get done:

Yes, I know many of you struggle to find time to do many things, but what better way to get clear on what you need to do, than to actually write it all down. In this way, you will be able to track your progress overtime and keep track of what you need to get done by whom, when and how. Also, it’s a great way to see whether or not you will need additional resources to get the task (s) accomplished.

Set your timeline to achieve these activities/goals:

Many people set goals and do not have a deadline for when they would like to accomplish them. Without a projection of when you intend to realize this goal, you will find that you place more focus on activities that are not contributing to your overall life’s desire. You may not only be wasting time but also precious resources. Setting a timeline will help you to maximize your time and increase your productivity.

Scan your environment:

This is a critical step in that, you should identify what are some of the things or people in your environment that are causing distraction, for example, the television, social media or that cousin who always wants you to do something for them. No matter where you turn, there is always something or someone that is demanding your attention which does not contribute to your own personal goals. Therefore, ensure that you manage these distractions carefully so that you keep on track with your goals.

Seek an accountability partner or someone to hold you accountable:

The first person you are ever accountable to is ‘yourself’ and no one else. Start treating your life as yours and you will quickly realize that everything you do or don’t do affects you more deeply than those around you. I know that there are some of you who do not have support and will find it difficult to commit to your goals. My advice to you, is to begin to look closely at other groups or an individual outside of your circle who you think can objectively offer you the support and accountability needed to ensure that you remain committed to your goals.

Start making small changes to get your mind right:

In order to take decisive action which would lead to meaningful changes, one must begin to make baby steps to help you stay grounded. By this I mean, pray, meditate, exercise and practice gratitude. All these on their own have amazing benefits. These practices will enable you to stay motivated and in good spirit on those very challenging and dreadful days. No matter what your day brings, there is always one of these activities you can do to get your mind and mood right!

Do the things that will create a greater impact first:

So we all sometimes procrastinate, not because we don’t know what to do, but because we don’t know where to start. For this step, you should apply the 80/20 rule (Pareto Principle), which postulates that you do the very important things first that will generate significant results. Of course, there are countless other ways you can use the 80/20 rule in your everyday life.

Reward yourself:

You know the saying “all work and no play makes Jack a dull boy”, well I’m sure you don’t want this to be you. Therefore, it is very important that you take the time to stop and acknowledge your own efforts for getting things done on your ‘to do list’. Treat yourself to the spa, lunch or simply a day off from doing anything. This is a great way to rejuvenate and replenish your energy. So go right ahead and treat yourself!

Latoya Waugh is a Life Coach, Mentor, Speaker, Public Policy Development Specialist and now Writer. Her mission is to empower and inspire individuals to understand who they are in this world and to help them to become centred and purposeful human beings living in their truest potential. As the Chief Executive Officer (CEO) of Life Coach Jamaica, Latoya plays an integral role in coaching individuals and groups to help them to identify and overcome their limiting beliefs; to become more self -aware; to live by their core values and to set manageable and achievable goals that will transform their lives. Latoya prides herself in being a committed, respectful, supportive, transparent, confidential and non-judgmental coach who exercises integrity, patience and is conscientious towards her work and individuals she coaches and people she interacts with. [email protected]

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Surviving the Summer Heat





There have been many reports over the past week highlighting the heat that Jamaica will be experiencing for the summer. Many persons are already feeling the near scorching effects. It is a maddening reality for many persons as the energy levels are taking a serious hit due to this severe heat. It appears to be a mystery why every summer seems much hotter than the past one. It is not truly a mystery, however, as scientists have been warning us about how our actions are damaging the ozone layer.

Nonetheless, this heat can put a damper on summer enjoyment as it can negatively affect our health. It can be so severe that we start experiencing nausea, headaches and dizziness. This should not prevent us from enjoying ourselves this summer. Summer is a time where sunshine, blue skies, blooming flowers and vibrant sunsets can have us feeling a sense of gratitude. However, we must take special care in staying well and healthy for the summer, here are some tips:


  • Remember to drink water. Hydration is key. It is very important to stay hydrated due to our body’s inner mechanism, which can cause excessive sweating if our temperature goes above the normal range.


  • Wear loose clothing so that your body can feel at ease.
  • Aim to stay in cooler areas, so seek out air conditioned buildings, open those windows and blast those fans.
  • Try to reduce your exposure to the sun as much as possible. Utilize hats, sunglasses and sunscreen.

Hat and sunglasses

  • Drink cold drinks such as slushies and smoothies, as well as eat cold meals. Popsicles should be your friend for this summer.


  • Try to schedule your activities in cooler times, when the sun is not blazing hot. Make sure to schedule those meetings in early mornings and late afternoons.


  • Water is vital, but so are electrolytes in order to prevent dehydration. Get your dose of electrolytes from sports drinks such as Gatorade.

Keep safe this summer and play smart!



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Bankers Urged to Remain Alert to Electronic Fraud




Bankers, you must remain aware of the different tools that mitigate attempts at electronic fraud. That is essentially the message from Jerome Smalling, Vice President of the Jamaica Bankers Association (JBA). He was speaking at the JBA’s seminar on anti-fraud held recently at the Terra Nova Hotel in Kingston. His warning comes against the background of the increased attempts by criminal elements at defrauding financial services institutions.

100 Seminar Participants Hear About e-Fraud Technologies

Over 100 persons participated in the anti-fraud seminar that was also held in association with the Jamaica Institute of Financial Services (JIFS). International and local experts covered topics including fraud trends, artificial intelligence, data protection, and the use of closed-circuit television images in preventing fraud. Participants got first-hand data and information on the capabilities of existing technology in perpetrating fraud.

Dirk Harrison, the Director of Prosecutions at the Integrity Commission, presented statistics reported by Transparency International that demonstrate the harmful effects of corruption on the progress of governance mechanisms.

Stay Ahead of Fraudsters – Dirk Harrison

Integrity Commission Jamaica

Harrison argued for a solution-oriented rather than a problem-oriented strategy to deal with fraud. “We must stay ahead of the fraudsters, who may ultimately be responsible for programming the same technology and machines on which we are to depend,” he said. Further, the Integrity Commission Director of Prosecutions emphasised how important it is to engage with the youth. He encouraged the seminar participants to reach out to the schools, youth clubs, and the cadet force to reinforce the message of “right and wrong,” and the consequences of choices.

Interestingly, Damian Small, the Director of Corporate Security at Scotiabank, argued that institutions must use a combination of strategies to effectively manage e-fraud. Such an approach, he explained, must be transparent and trustworthy for clients. Strategies must also create awareness on the different social engineering tactics that criminals use to collect data. Furthermore, fraud detection and prevention should also be objectives from an organisational perspective.

Law Enforcement Challenges and Weaknesses

But a report appearing in the media in 2018 highlighted major weaknesses in law-enforcement and the justice system in fighting fraud. Reportedly, in 2017, as electronic fraud spread, banks, and other financial institutions lost $750 million.

Also, the Jamaica Constabulary Force (JCF) data showed that between 2013 and 2018 the police Fraud Squad received reports on almost 3,400 alleged cases of fraud.

Unfortunately, the rate at which fraudsters are convicted in the island’s courts lags the arrest rate. Reportedly, the courts found only 115 persons guilty out of the 1,029 persons held for different rackets.  Even then, more than 50 percent of the convicted persons over the five years received their conviction only in 2017. Also, according to police data, between 2015 and 2016, the police Fraud Squad secured only three convictions for fraud.


Fraud Officers Sometimes Redeployed

Even arrests fall behind reports. During the five years to 2018, the police Fraud Squad received almost 2,000 fraud reports, but only arrested a little over 900 persons. Distressingly, the situation concerning arrests and convictions for electronic fraud is much worse.

The bottom line is that the Duke Street-based police Fraud Squad is woefully understaffed and under-resourced. Up to 2018, the police Fraud Squad had fewer than a dozen investigators assigned to tackle fraud islandwide. Even with this shortfall, the police high command sometimes redeploys these officers to other duties including Zones of Special Operations (ZOSOs) and the State of Emergency (SOE) in Western Jamaica.

Official Ambivalence Regarding e-Fraud

Interestingly, Lloyd Parchment, an anti-fraud expert at the Jamaica Bankers’ Association, suggested that official ambivalence regarding the crime of fraud contributed to the low conviction rate experienced in Jamaica. For one thing, many see fraud, particularly that against institutions like banks, as a victim-less, white-collar crime.

Parchment suggested that:

 “The justice system does not recognise fraud as a very important area of criminal activity; they do not treat it seriously.”

He further explained that the banking sector has urged the justice system to acknowledge fraud as a serious criminal offence. He also noted that the money gained from it is also fuelling more serious illegal activity. According to the JBA anti-fraud expert, banking sector leaders received only a lukewarm response from the justice ministry when they attempted dialogue on the matter of fraud.

Banks Choose Not to Report Fraud

Consequently, financial industry leaders are not so confident that investigations into the reported e-fraud cases will yield serious results. Furthermore, banks, in some cases, chose not to report fraud incidents to the police Fraud Squad as they do not see the point of doing so. Also, the substantial backlog of reported fraud cases investigated by the Fraud Squad is another disincentive for institutional victims of electronic fraud to report or follow up on fraud matters.

Parchment offered an example of what happened in a recent fraud incident:

“We had a guy recently who reaped millions of dollars in fraudulent funds from the banking industry through debit card frauds, and when we managed to engineer his arrest, and he was brought to court, he immediately pleaded guilty. He was slapped with a $200,000 fine. He then went and stole the money from a customer’s account to pay the fine. It didn’t even come out of his pocket, and he is back working the next day and continues to work right now. I have the evidence of that because we have the camera system.”

Optimistic Outlook

Participants in the recently held JBA/JIFS anti-fraud seminar got an earful on the scale of electronic fraud and the kinds of technology criminals use. Not only did presenters offer their experiences on the various ways financial institutions suffer at the hands of unscrupulous fraudsters, but they also got useful tips on how to address this growing problem.

The existing law enforcement weaknesses and challenges in the justice system, however, threaten any success in addressing the e-fraud monster.

But as an adage goes, “where there is life, there is hope”.

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This Business of The Cancer Industry




The undeniable truth is, cancer is big business. Every year the pharmaceutical and medical sectors in the cancer industry make billions from patients’ spending on cancer treatment. Not only is cancer a deadly disease that many people fear, but it is also very costly to treat. Whether patients choose to treat cancer in a conventional way – by chemotherapy, radiation, and surgery, or use alternative paths, they and their families must spend big money.

It is said that to pay for cancer treatment you would need to be rich or to be insured. The “have nots”, unfortunately, perish if there is no one or institution to help them.

Undoubtedly, cancer is traumatic on every level. Health fails, resources deplete, and relationships suffer.

But, have you ever wondered why after all this time and spending on research there is no cure for this devastating disease?

Conspiracy Theory – Big Pharma Does Not Want a Cancer Cure

Let’s be brutally frank. It is possible that big pharma is not chasing a cure for the disease. After all, why shoot oneself in the foot? A cancer cure would mean the drastic reduction in the massive profits from years of cancer treatment among millions of sufferers.

Why change that?

At the start of the last century, only one in twenty persons is diagnosed with cancer. During the 1940s the proportion rose to one in sixteen persons with a cancer diagnosis. By the 1970s the number of cancer victims increased to one in ten. Shockingly, today, the prevalence of cancer in the population is one in three!

One in three!

While this is the picture painted for the United States, it is not much different in other parts of the world.

In Jamaica, younger and younger persons are diagnosed with the dreaded disease. In the case of breast cancer, which is the leading cause of cancer deaths among Jamaican women, the median age at which women are being diagnosed is 52. This is eight years younger than the worldwide average age of 60 years.

So, instead of a reduction or slow-down in the number and prevalence of cancer in the population, there is an increase. From a business perspective, this is a lucrative market, poised for growth and more growth. No wonder it appears that there is no hurry to find a cure.

Cancer Industry is Huge

In the United States, the cancer industry is huge. It is estimated in 2014 that the medical cost for cancer care is US$125 billion. The National Cancer Institute (NCI) estimates that the cost would grow by 39 percent to US$173 billion by 2020. Regardless of the type of cancer that is diagnosed annually, the outcome will be the same. More money will be spent on treatment. The purveyors of cancer medical treatments and therapies will continue to make a killing.

And the scenario remains favourable for the cancer business. Again, in the United States, it is estimated that almost 1.7 million new cancer cases are diagnosed annually. Sadly, almost 600,000 persons die from the disease every year.

In Jamaica, cancer was the cause of death for 19.3% of persons who died in 2016. The estimates for 2018 was that more than 7,300 new cases of cancer will be diagnosed in Jamaica. That estimate was according to the World Health Organisation International Agency for Cancer Research (WHO IACR).

Naturally, the cost burden on individuals and families is also significant. The cost of cancer medications in Jamaica can easily run into more than J$50,000 per month depending on the type of medications required to treat cancer. Two million Jamaican dollars can be quickly depleted. Fortunately, the National Health Fund (NHF) allows cardholders to access subsidised costs for cancer treatment.

Notwithstanding other factors, the stark reality is that the cancer industry expects the cancer market to grow, not to shrink.

Cancer Research, Is it a Farce?

No doubt, billions of dollars have gone into research on cancer. Institutions like the American Medical Association (AMA), National Institutes of Health (NIH), and the USA’s National Cancer Institute (NCI) are among the foremost institutions dedicated to cancer research. While there is a significant pool of scientists and researchers with years of research expertise behind them, skeptics remain convinced that the research being done is no closer to a cure for the disease.

A cynical view, for example, is that:

“The research dollars have all been devoured by a cancer monopoly – a cartel – consisting of pharmaceutical companies…a research system that supports pharmaceutical manufacturers, a system of charities that raise money for cancer research, and various federal agencies such as the US FDA. These groups…are fully committed to earning profits for the cancer monopoly that is headed by the pharmaceutical companies.” John P. Thomas, Health Impact News

A medical practitioner noted that “From 1920 to the present time, we have made little progress in the treatment of adult cancers. So, a person who gets prostate cancer or breast cancer today will live as long as a person who got it in 1920.” (Charles B. Simone, M.MS., M.D., Founder, Simone Protective Cancer Center)

These and other observation are not encouraging indications that progress is being made in cancer research over the years. Apparently, cancer research has not presented curative solutions to this deadly disease. Evidently, a confounding factor in cancer research and a search for a cure is the variations and complexities of the disease itself.

Fear – a Typical Reaction to Cancer Diagnosis

Chemotherapy is one of the treatment protocols for cancer. This treatment itself is, however, cancer causing.

It is, therefore, not surprising that the typical reaction to a cancer diagnosis is fear. A fear inspired by the knowledge that conventional cancer treatment does not work for everyone.

And the fear is not unjustified when you consider that the cancer treatment itself causes cancer. An admission from the US government is that:

“Current approaches to combat cancer rely primarily on the use of chemical and radiation, which are themselves carcinogenic and may promote recurrences and the development of metastatic disease.” (Patent No. 5,605,930. “Compositions and methods for treating and preventing pathologies including cancer.” Approved 1997 USA Department of HHS page 56)

Standard Treatment Options and Survival

So, the standard treatment options for cancer are not cures. When faced with a diagnosis, the typical options Oncologists present to patients are chemotherapy, radiation, and surgery. That has been the case for the past 100 years. Oncologists on a whole do not recommend anything else.

When talking about survival chances, there is a limit. The definition of cancer survival is the percent of persons who live beyond a specified time frame. So, typically a 5-year survival rate is used to indicate the proportion of every 100 persons who survive beyond five years after diagnosis. Unfortunately, for most cancers, this survival rate is well below 50 percent.

With low survival rates among patients, the cancer industry relies on a steady supply of new cancer cases to keep it viable. Pursuing a cure is not a priority since well over 60 percent of the cancer patient pool will die before five years after being diagnosed.

There are numerous stories of persons who, having been diagnosed with cancer, exhaust their life’s savings and that of their loved ones, only to succumb despite being treated with chemotherapy drugs and radiation.

Alternative Therapies, Are they More Effective?

Understandably, patients seek other treatment options said to offer a cure in a bid to prolong life. But even then, there are risks. Given that many of the “alternative” options are unproven and untested, the medical fraternity is reluctant to endorse or recommend such approaches. These untested options include radical changes in diet, herbal medicines, meditation, and prayer.

Yet, there are many cancer survivors who testify of their successes with these alternative approaches. Dramatic turnarounds among some cancer survivors who use alternative therapies are downright miraculous. Medical science cannot explain them.

But as the saying goes, a drowning man clutches at straws.

The Dark Side of the Alternative Cancer Market

The dark side of the cancer industry relates to alternative cancer “cures” that are actually scams that exploit vulnerable cancer patients and their families. As opposed to success stories, just as many horror stories show the devastating effects of trusting unscrupulous charlatans who pose as healers, naturopathic doctors, and herbalist with the “cure”. That exposure translates to millions of hard-earned money down the drain.

Inevitably, cancer patients who turn to unscrupulous scams return to the Oncologist for treatment. Unfortunately, by then, it is too late. Cancer has spread beyond repair.

Is there hope?

But there is hope, especially for those who do regular screenings and discover their cancer early. Early detection is important for the successful treatment of cancer, even with the conventional methods of surgery, chemotherapy and radiation treatment. For others who, unfortunately, discover their cancers after it has begun to spread, organisations like the Jamaica Cancer Society (JCS) provide support through counselling and outreach.

Furthermore, the Ministry of Health and Wellness in 2018 opened the National Cancer Registry. It also opened, in 2018, a world-class Cancer Treatment Centre at the St. Joseph’s Hospital, Kingston. The Kingston facility is the second such treatment centre funded by the National Health Fund, the first, which was opened in 2017 is in the Cornwall Regional Hospital, St. James. The treatment facilities offer improved radiation treatment using state of the art equipment.

Enough is Enough! Release the Cure

While much is happening for cancer treatment, which hopefully will extend survival rates, patients and their families await a cure. Conspiracy theorists suggest that a cure for cancer was developed long ago but influential forces have kept them secret. Be that as it may, it is time for the long-awaited cure for cancer to be released. Millions of lives depend on it.

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