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YOUR FINANCIAL
LIFE STAGE
Jennifer Gibbons-Joseph CPC,ELI-MP
Certified Empowerment & Financial Coach
Conec Marketing & Financial Services Ltd.
# 8 Austin Street, St Augustine
Office ph. 868-663-6338
Alliance Francaise (School)
#17, Alcazar Street, St. Clair
Tel:622-6119
Email –
FRENCH CLASSES 10% discount off on
Tuition Fees - $765.00 INSTEAD of $850.00 per
TERM. (Mon. & Wed. 10:30 am to 12 noon)
British Airways
P. O. Box 152, Port of Spain
Tel:633-1542
Email –
10% discount to TTARP members on our World
Traveller ( Economy) and World Traveller Plus
(Premium Economy) fares from Port of Spain
and Tobago to London return.
This offer is valid to members 60 years and
over.
A travel companion accompanying the person
60 years of age on the same flights can also
enjoy a 10% discount. Bookings and tickets
must be purchased through a travel agency.
Caribbean Breast Centre
Limited
(Pink Hibiscus)
Hibiscus House, 5 Adam Smith Square,
Woodbrook
Tel:627-1010
Email –
10% off Breast Screening Package
(Risk Assessment, Clinical Examination,
Mammogram and Ultrasound)
5% off Mammograms
5% off Ultrasounds
CARITRACK
Limited (Security and Asset
Management Technology)
#23, Flamboyant Avenue, Pax Vale, Santa Cruz
Tel:676-0447
Email –
$200. discount off on Tramigo T23 GPS Tracker
Installed
$300. discount off on Tramigo T22 GPS Tracker
Installed
5% discount off T23 Web Tracking fees
Computer Empire Ltd.
(Computer
related goods, repairs and Electronics)
#17, Park Street, Port of Spain (Pan Trinbago
Building, North of Victoria Square)
Tel:225-2123
Email –
10% discount off on Purchases over 100TT$
DAILY DEALS
(retail/wholesale items)
#67, Caroni Savannah Road, Charlieville
Tel: 671-6010
Email –
10% discount off - Except on Sale Items
Denius Dental Clinic
(Denius Ltd.)
#29, Carlos Street, Woodbrook
Tel: 223-8778
Email –
10% discount off on all Procedures
D’Vine Guesthouse and
Restaurant
Police Credit Union Compound, Mt. Marie,
Scarborough, Tobago
Tel: 635-1765
Email –
20% Commission
Hall of Elegance Ltd.
#8C, Churchill Roosevelt Highway, Macoya
Tel:645-4438
Email –
5% discount off on counters
10% discount on tables
10% discount on installations
HealthNet Clinics / Lab
Medica Group of Companies
449 Munroe Road, Cunupia - 285-4625
Cor. Warner & Picton Sts. POS
- 290-1261 / 1257
112 Eastern Main Rd, Barataria - 285-4635
91 Eastern Main Rd, St Augustine - 663-7635
JTA Complex, Isaac Junction, Couva - 285-
4641
Lp. #13, Caroni Savannah Rd, Caroni - 671-
4419
BWIA Blvd. Piarco - 285-4645
South Coast Medical Centre, San Fernando -
290-7262
Lab Medica Lab, San Fernando - 652-4947
TTARP members pay only $365 yearly for a
Senior Card which entitles you to a free annual
medical and discount on all other Medical
Services.
Jadoo’s Trading Ltd.
#48, Broadway, Arima
Tel: 667-0906
Email –
5% discount off on all items other than sale
items
Jerusalem Arise Christian
Supplies
(Christian Bookstore)
#24, George Cabral Street, St. James
Tel: 628-1155
Email –
10% discount off on all purchases.
L.M.T.T.T. 242
Licensed Massage
Therapist
Trinidad and Tobago 242
Lot #14, Ojah Marajah Avenue Ext. Waterloo
Road, Carapichaima
Tel: 760-4668 or 399-6638
Email –
$50.00 TT dollars off regular price
MAA Services Limited
(Appliances and Air-conditioning Sales &
Service)
#9 Coronation Street, St. James
Tel: 622-0627
Email –
10% discount on repair jobs
3% discount on store items
Medical Associates Central
Hospital Limited
Lp. #3, Montrose Main Road, Chaguanas
Tel: 223-6898
Email –
15% discount off on Accommodation
15% discount off on Drugs & Surgical Supplies
15% discount off on X-Ray & Lab
Medical Health Care Lab
#13, Carlos Street, Woodbrook
Tel:221-5150
Email –
10% discount off on all Lab Services
NAVS Sleep Lab
(operated by Dr.
Ashram)
#5, Archibald Street, Vistabella
#44, Eastern Main Road, St. Augustine
Tel: 652-4505
5% discount on ECGs
NEO Eyewear Ltd
#91-D, Montrose Main Road, Chaguanas
Tel: 672-5052/390-3196
Eye Exam - $50.00
Frames costing under $600.00
– 20% discount off
Frames costing over $700.00
– 30% discount off
Email –
Newtown Medical Centre
#4, Marli Street, Port of Spain
Tel: 719-9509
10% discount off ALL Services
On Site Doctors
#2, New Lane, Don Miguel Road, San Juan
Tel: 294-4995 or 686-2976
Email –
15% discount off on ALL home visit, medical
consultation and assessment.
Parillon Optical
#134A, Frederick Street, POS
Tel: 623-4137
Email –
20% discount off complete Spectacles (Frames
and Lenses)
Where are you financially at this stage in your life? Are you happy about
your financial status or anxious about your future?
People’s needs and circumstances change at different stages of life. At the
midlife stage between ages 45–55 their focus is on job security, children’s
education, family commitments, wealth accumulation and estate planning.
At ages 56-65 people tend to concentrate on consolidation, reducing
debts, securing investments, minimizing risks and retirement goals. The
over 65 age group is more concerned about security of funds, managing
expenses, living a comfortable and healthy lifestyle and having enough
savings in the event of emergencies. Implementing a monthly budget is
critical at this stage.
Today’s economic climate has added more hardships to people’s lives, due
to several reasons; inflation, rise in food prices, reduction of income, loss
of job, high medical bills and other frustrating situations.
Each life stage requires having to set goals and being disciplined to follow
the plan. If you are not where you would like to be financially, here are
some tips you can follow:
• Take a holistic approach to living a quality and balanced life.
• Make an inventory of your assets & liabilities, noting the present
value of each to get a true picture of your financial status.
• Review your goals and write down what you want to achieve in the
short, medium and long term. Assign your savings/investment fund
to a specific goal.
• Note any obstacles in the way and what strategies you can
implement to succeed.
• Familiarize yourself with the economy and the trends in the
marketplace.
• Make some critical decisions regarding liquidation of assets,
consolidation of loans or getting involved in an income producing
venture to supplement your income.
• Have a discussion with your loved ones to outline your plans and
get their support.
• Establish an emergency/contingency fund to take care of
unexpected situations.
• Take care of your body by eating healthy. Planning your meals in
advance and making a list of what’s needed would help reduce
food cost and wastage.
• Create a monthly budget with headings ‘Fixed Expenses’ and
‘Variable Expenses’ and include savings under fixed. Make
adjustments under variable to stay within budget.
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