Tuesday, July 07, 2020

Have The Choiseul Credit Union Messed Up Paying Interest This Last Quarter?

Silvanus Fontenard
              By Silvanus Fontenard

Some people are now angry that credit unions might be buying Government bonds to help pay their own salaries. However these same people stayed silent when Choiseul Credit Union bought over 30 million dollars in Government Bonds and treasury bills between 2013 and 2016.

Wow! How hypocritical. I don't believe in bond purchasing by community organizations because governments do not have longevity - the interest rates can change with the tide and that most governments are insolvent anyway. However, because of the crisis, it could be the only time one can consider tolerating the bonds because it will be used to help pay public servants and we all have to chip in.

 What I don't understand is that the very people who thought it was OK between 2013 and 2016 when there was no crisis are up in arms now. Is it because their cousins and party friends were the ones making those decisions? These are the questions the people of Choiseul must ask now that the credit union is using COVID as an excuse to reduce interest rates on savings by 75 percent as quietly like mice, from 4 percent to one percent without informing the members. They are only finding out when they go in to do business.

Why won't they say that they messed up by buying truckloads of bonds and were taking large sums which they are unable to lend out from unsavoury characters from outside Choiseul and Soufriere who do not qualify for membership under our bye laws. They have created a crisis and are now using COVID as the excuse.

COVID has not impacted us much. The hotel workers who are the ones most affected are still getting some reduced level of income from the NIC and their employers in some instances. Those who contribute to the NIC will continue to receive the support until September so where is the justification for blaming COVID. They messed up and now have an excuse.

It is easy to manage this current situation if you know anything about "Managing Cooperatives in a free market or Crisis Management". Obviously many of the board members accept the positions but never educated themselves on how to run the organization. It's not just about being on a board - one must get to know the philosophy, guiding principles and regulations which prescribe their operations to the letter , otherwise you have chaos when faced with challenges.

 COVID's problems are not really here yet. They will come after September so brace yourselves. These inept and crooked monkeys whom you entrust with your livelihoods and life savings will make you run to hell with a smile because it will appear to be a better place than where they are taking you.

All I wish to say to those who have called me to complain is " be prepared for a very rocky road". The journey is just beginning, you have not seen anything yet. May GOD bless you in this impending crisis?

End.

Editor's note: Fontenard have always stood up to the faux pas of this organisation. An article he wrote in 2017 http://choiseul-inform.blogspot.com/2017/03/choiseul-credit-union-behind-by-2m-plus.html still make for a good read.


Sunday, June 28, 2020

Will Rufus Bousquet Chance Running as an Independent in 2021?


Rufus Bousquet’s surprise appearance in Choiseul last Sunday has left room for much speculation – whether he intends to enter the race for the next General Elections, constitutionally due in June 2021. According to reliable sources Bousquet was seen at many watering holes feeling the pulse of his comrades
.
Rufus Bousquet
Rufus, a master tactician at campaigning,  must have had a plan in  mind as he made his rounds around the constituency.

Further sources reveal that the guy is considering running on an independent ticket……hmmmmm! Though with all his political prowess, Bousquet may have an uphill task knocking Bradley off – not sure if Choiseulians are ready for independent candidates just yet.

Bousquet's political history shows that he served in the government under Prime Minister John Compton as Minister for Financial Services and the National Development Corporation before being dismissed in 1995. Following the UWP victory in December 2006, he became Minister for External Affairs, International Financial Services, Information and Broadcasting in Compton's new government, sworn in on 19 December.

The incumbent Bradley Felix
On May 1, 2007, he signed an agreement with Taiwanese foreign minister James Huang restoring diplomatic relations between the two countries at the expense of St. Lucia's relations with the People's Republic of China. In early June 2007 Bousquet was dismissed from the government by Compton; some speculation attributed the dismissal to the restoration of relations with Taiwan.

Bousquet expressed his readiness to seek the UWP leadership at its planned convention in October 2007. Following Compton's death on September 7, 2007, reports indicated that Bousquet only supported the designation of Acting Prime Minister Stephenson King as Prime Minister on the condition that he be brought back into the cabinet, but he was not included in it when a cabinet reshuffle occurred on September 12.

Pauline Antoine-Prosper
On June 6, 2008, having restored a good relationship with the Prime Minister and the cabinet, The Honorable Rufus Bousquet was sworn in as Minister for Industry, Trade, Commerce, Investment and Consumer Affairs . In February 2009, the Prime Minister gave up his position as foreign minister and restored Bousquet to the position. 

In the November 28, 2011 General Elections he obtained a total of 2756 votes whereas his opponent, Lorne Theophilus, obtained 2810 of the constituent's votes thus ending his run as parliamentary representative for Choiseul.

In all of Bousquet’s political life he has never won two straight terms and has always been flogged by underdogs with no political experience. Therefore it leaves one to wonder whether with no political base whether his intention is not purely as a disruptor. This article  is a clear indicator as to the amount of work which needs to be done by Rufus to win back the confidence of the his supporters – and to make matters more difficult he may be running on an independent ticket.

The 2021 race for the Choiseul/Saltibus Constituency may be a three-cornered fight with Bradley Felix, the incumbent (UWP), Pauline Antoine-Prosper or Alphonsus St Rose (SLP) and hopefully Rufus Bousquet (IND.)

Wednesday, April 08, 2020

Could Coconut Oil Be a Potential Cure For Covid-19?

"A corona virus patient in Bekasi, West Java, Indonesia has in fact claimed to have recovered from the disease after taking virgin coconut oil (VCO).

According to newspaper reports, the patient, Monica Sihaloho, while in isolation, initially consumed two tablespoons of VCO without the knowledge of the doctor.

As her condition needed oxygen to breathe, she decided to drink a full bottle of VCO. The effect was immediately felt and her condition gradually improved. 

On the fifth day of isolation, she was declared negative of Covid-19 and was allowed to go home.  At home, she continued to regularly consume VCO."  Source - http://metronewscentral.net/in-and-around-the-metro/pgh-studies-virgin-coconut-oil-as-possible-treatment-to-covid-19

While American scientists explore Hydro Chloroquine and other drugs for the corona virus disease cure, those from the Philippines are looking into the possible benefits of virgin coconut oil on COVID-19 patients.

The research aims to find out if coconut oil may reduce the duration or severity of symptoms.

Current evidence suggests coconut oil and its derivatives are safe and effective antiviral compounds in both humans and animals. COVID-19 is caused by severe acute respiratory syndrome coronavirus 2, or SARS-CoV-2 for short.

The respiratory infection presents with common symptoms such as fever, dry cough and shortness of breath.

There is no vaccine available at the moment to treat the viral disease that has so far claimed about 82,000  lives worldwide and has infected 1,500,000 people - 301,000 have recovered.

Scientists believe that virgin coconut oil has been proven to be a preventive agent
against viral infections, such as the corona virus.

Several in-vitro, animal and human studies support the potential of coconut oil and derivatives of coconut oil as effective and safe agents against a virus like COVID-19. 

Studies into other viruses demonstrate that at least three modes of action occur that explain the antiviral activity in coconut oil.

Given the significant scientific evidence for the antiviral activity of coconut oil and its overall safety, scientists urge clinical studies to be conducted in patients infected with COVID-19.

Because virgin coconut oil is safe and widely available, many doctors are of the opinion that it is useful to consider coconut oil as a general preventive agent against viral and microbial infections. A tablespoon daily will do a world of good.


Sunday, March 29, 2020

Rayneau -The Store of the Future: Rayneau Optimistic About COVID -19 - “This will p...

Rayneau -The Store of the Future: Rayneau Optimistic About COVID -19 - “This will p...: Rayneau Group of Companies is remaining concerned—but optimistic—about COVID-19 . In these extremely challenging times, Rayneau Group ...

Sunday, March 22, 2020

The TRUE or FALSE about COVID-19 by Lisa Maragakis

Lisa Maragakis, M.D., M.P.H., is a senior director of infection prevention at Johns Hopkins Medicine.

There's a lot of information circulating about Coronavirus Disease 2019 (COVID), so it’s important to know what’s true and what’s not. Below, find some information that will help clarify few questions to help keep you and your family healthy and safe.

TRUE or FALSE? A vaccine to cure COVID-19 is available.
FALSE.

True: There is no vaccine for the new coronavirus right now. Scientists have already begun working on one, but developing a vaccine that is safe and effective in human beings will take many months.

TRUE or FALSE? You can protect yourself from COVID-19 by swallowing or gargling with bleach, taking acetic acid or steroids, or using essential oils, salt water, ethanol or other substances.
FALSE.

True: None of these recommendations protects you from getting COVID-19, and some of these practices may be dangerous. The best ways to protect yourself from this coronavirus (and other viruses) include:
Washing your hands frequently and thoroughly, using soap and hot water.
Avoiding close contact with people who are sick, sneezing or coughing.
In addition, you can avoid spreading your own germs by coughing into the crook of your elbow and staying home when you are sick.

TRUE or FALSE? The new coronavirus was deliberately created or released by people.
FALSE.

True: Viruses can change over time. Occasionally, a disease outbreak happens when a virus that is common in an animal such as a pig, bat or bird undergoes changes and passes to humans. This is likely how the new coronavirus came to be.

TRUE or FALSE? Ordering or buying products shipped from China will make a person sick.
FALSE.

True: Researchers are studying the new coronavirus to learn more about how it infects people. As of this writing, scientists note that most viruses like this one do not stay alive for very long on surfaces, so it is not likely you would get COVID-19 from a package that was in transit for days or weeks. The illness is most likely transmitted by droplets from an infected person’s sneeze or cough, but more information is emerging daily.

TRUE or FALSE? A face mask will protect you from COVID-19.
FALSE.

True: Certain models of professional, tight-fitting respirators (such as the N95) can protect health care workers as they care for infected patients.

For the general public without respiratory illness, wearing lightweight disposable surgical masks is not recommended. Because they don’t fit tightly, they may allow tiny infected droplets to get into the nose, mouth or eyes. Also, people with the virus on their hands who touch their face under a mask might become infected.

People with a respiratory illness can wear these masks to lessen their chance of infecting others. Bear in mind that stocking up on masks makes fewer available for sick patients and health care workers who need them.


Thursday, March 05, 2020

[COVID-19] - How to Prevent Yourself From Getting Infected?

With the talk of CORONAVIRUS and its daily toll on persons globally, knowing how to protect yourself must be a priority. Dr MILTON LUM has given some clear guidelines to follow if we are to stay safe.  

"The Covid-19 outbreak brought into sharp focus the need to keep hands clean by handwashing with soap and water, or the use of alcohol hand sanitisers.
Clean hands, not masks, are more vital in the avoidance of illness and spreading microorganisms to others

To ensure your hands are rid of harmful microorganisms, scrub your hands for at least 20 seconds, or as long as it takes to sing the Happy Birthday song twice. — Photos.com
Many infectious diseases are spread by not washing hands with soap and clean running water.

How they spread

There are various ways in which microorganisms can get onto human hands and cause illness.

The faeces of humans and animals often contain microorganisms like Escherichia coli and Salmonella, which cause diarrhoea.

In addition, faeces can also spread some respiratory infections like adenovirus, and hand, foot and mouth disease, in children.

These microorganisms find their way onto our hands after we go to the toilet or change a diaper.

It can also occur after the handling of raw animal meats that can have invisible amounts of animal faeces on them.

Microorganisms can also find their way onto our hands if anyone touches an object that contains microorganisms on it.

This occurs as a result of an infected person coughing or sneezing on the object, or another contaminated object touching the object.'

When microorganisms on the hands are not washed off, they can be passed from one person to another, thereby spreading and causing illness.

A healthcare-acquired infection (HAI) is an infection acquired by a patient during healthcare delivery in a hospital or other healthcare facilities, which was not present or incubating on admission.

It is the most frequent adverse event in healthcare and affects patients in any care setting during and after discharge.'

A HAI leads to prolonged hospital stays; antibiotic resistance; disability; high costs for individuals, their families and health systems; and unnecessary deaths.

It can also lead to infections in doctors, nurses, other healthcare professionals or caregivers attending to patients.

From hands to face
French tennis player Benoit Paire clutches his face during a match at the recent Australian Open tournament. Touching our face with hands that have picked up harmful microorganisms is one way we can get infected. — AFP
The washing of hands prevents illness and spread of infection(s) to others.
When hands are washed with soap and water, there is removal of a substantial number of microorganisms from their hands.

There are several ways in which handwashing prevents infections.

Microorganisms from unwashed hands can get into drinks and food during preparation or consumption.In addition, microorganisms can multiply in some types of drinks or foods under certain conditions, then cause illness.

They can cause illness when they get into the human body through the eyes, nose and mouth.

People often touch their eyes, nose and mouth without realising it.

A study of medical students at the University of New South Wales in Australia, published in 2015 in the American Journal of Infection Control, reported that the subjects touched their faces 23 times per hour.

“Of all face touches, 44% involved contact with a mucous membrane, whereas 56% of contacts involved non-mucosal areas.

“Of the mucous membrane touches observed, 36% involved the mouth, 31% involved the nose, 27% involved the eyes, and 6% were a combination of these regions.

Another study, published in 2014 in the Journal of the American Board of Family Medicine, observed hand hygiene and face touching in family doctors and their staff in Cincinnati, United States.

The participants touched their eyes, nose and mouth a mean of 19 times in two hours (a range of zero to 105 times) with family doctors doing so significantly less often than their staff.
Microorganisms from unwashed hands can be transferred to other objects like door knobs, table tops, hand rails etc, then transferred to other people’s hands.

The transmission of healthcare-associated microorganisms from one patient to another through caregivers’ hands involves the following sequence:
  • Microorganisms are present on the patient’s skin or have been shed onto inanimate objects in the patient’s immediate vicinity.
  • The microorganisms are transferred onto the hands of caregivers, where they are capable of survival for several minutes.
  • Handwashing or antisepsis by the caregivers is inadequate or omitted, or the agent used for hand hygiene is inappropriate, and
  • The contaminated hand or hands of the caregivers come into direct contact with another patient or with an inanimate object that will come into direct contact with a patient.

Protection against infection

There is substantial evidence that widespread handwashing significantly reduces the incidence of diarrhoeal illnesses, particularly in those with weakened immunity, as well as the incidence of respiratory infections in the community.

Handwashing with soap can protect about one out of every three young children with diarrhoea, and almost one out of every five young children with respiratory infections like pneumonia.

Handwashing can prevent about 30% of diarrhoea-related illnesses and about 20% of respiratory infections, both of which are often prescribed antibiotics.

The reduction of these infections helps prevent antibiotic overuse, which is the single most important factor that leads to antibiotic resistance globally.

Handwashing can also prevent antibiotic-resistant infections that are difficult to treat.
There is substantial evidence that hand antisepsis reduces the transmission of healthcare-associated microorganisms and the incidence of HAI.

Improvement in hand hygiene practices may reduce transmission of microorganisms by half.

In short, the removal of microorganisms through handwashing helps in the prevention of diarrhoea and respiratory infections, and may even prevent skin and eye infections in the community setting.

In the healthcare settings, handwashing reduces HAIs significantly.

Hand hygiene at the right time has saved, saves, and will continue to save millions of lives globally.

It is a quality indicator of safe healthcare systems as infections can be stopped by good hand hygiene practices.'

The World Health Organization (WHO) estimates that the harm to patients and healthcare professionals can be prevented by less than US$10 (RM42.25) and that alcohol-based hand sanitisers, which cost about US$3 (RM12.67) per bottle, can prevent HAIs and millions of deaths annually.

How to wash hands
Hand sanitiser provided for the public at an ERL counter. Alcohol-based hand sanitisers should be used only when your hands are not visibly dirty, otherwise, handwashing with soap and water is a must. — ERL
WHO recommends frequent handwashing with soap and water, or the use of an alcohol-based hand sanitiser, if your hands are not visibly dirty, as one of the basic protective measures against Covid-19 infection.

The US Centres for Disease Control and Prevention (CDC) spells out the details of handwashing for the general public in five steps: “Wet your hands with clean, running water (warm or cold), turn off the tap and apply soap.

“Lather your hands by rubbing them together with the soap. Lather the backs of your hands, between your fingers and under your nails.

“Scrub your hands for at least 20 seconds. Need a timer? Hum the Happy Birthday song from beginning to end twice.

“Rinse your hands well under clean, running water.

“Dry your hands using a clean towel or air dry them.”

WHO has guidelines for hand hygiene in healthcare too.

Handwashing with soap and water must be used when the hands are visibly soiled or potentially contaminated with body fluids, and when caring for patients with vomiting or diarrhoeal illness, regardless of whether or not gloves have been worn.

A hand sanitiser containing 70%-95% alcohol is used for hand decontamination in healthcare settings, as it is better tolerated than handwashing with soap and water.
Non-alcohol-based hand sanitisers are not recommended.

The message on clean hands in the Covid-19 outbreak should be carried forward into the cultivation of frequent handwashing as a daily habit for everyone.

This will also reduce diarrhoeal diseases and some respiratory diseases in the medium to long term.

In summary, clean hands not only protect against infections, but also saves lives."