The Caswell Franklyn Column – National Insurance Director Misled the Public About Pensions

Ian Carrington, Director of the NIS

On Sunday, September 3, 2017 the front page of the Sunday Sun carried an item in which the Director of the National Insurance Scheme (NIS) is reported to have said that workers took an inordinate amount of sick leave only to find on retirement that their pension payments had taken a hit. He is then quoted as having said:

I always encourage people not to take sick leave unless they are actually sick. It impacts on the amount of pension you will get later.

The following day I called the Nation to ascertain if anybody from NIS had called to correct those statements. Since no one has done so, I cannot sit idly by and allow such dangerous misinformation to go unchallenged. Not only is it incorrect; it is irresponsible and has potential for devastating consequences.

A person who is sick could believe this report and decide that he does not want to jeopardise his pension. As a result, he might go to work while being ill and become a danger to himself, his fellow workmen and the public. Just imagine a situation where the driver of a public service vehicle goes to work when he is sick because he does not want to lose out on part of his pension and crashes with a full load of passengers.

From my experience, having worked at NIS, I make bold as to say that a person’s pension would only be negatively impacted if he/she refused or neglected to submit claims for sickness, maternity or unemployment benefits.

Any person who is ill, for a period Monday to Saturday and submits a sickness claim, would be entitled to receive monetary compensation, in addition to a credited contribution. Credited contributions count towards a person’s pension entitlement, even though no actual money is paid into the NIS fund. Section 57.(1) and (2) of the National Insurance and Social Security (Benefit) Regulations, 1967 state:

57.(1) For every contribution week for the whole of which an insured person

(a) received, or would but for regulation 4(1) have received sickness benefit; or

(b) received maternity benefit; or

(c) received, or would but for regulation 46(1) have received, unemployment benefit

a contribution shall be credited to that person without actual payment thereof.

(2) A credited contribution shall, subject to the provisions of these Regulations, be valid for sickness, maternity, unemployment benefit and invalidity benefit and for old age contributory grant or pension and shall be equal to the value of the average weekly earnings on which the rate of sickness, unemployment or maternity benefit was based.

In order to qualify for an NIS pension, a person must have 500 contributions. If someone refused to submit their sickness claim, in the mistaken belief that his/her pension would be affected, that person would lose out on some money to tide him/her over a period when not in receipt of income. But worse yet, that person could fall short in the number of contributions needed to qualify for a pension, since no credits would be available to make up the shortfall.

Regulation 31of the NIS Benefit Regulations demonstrate why it is vital to submit sickness benefit claims and accumulate your credits. It provides that of the 500 contributions needed to qualify for a pension, only 150 must be actually paid; the remaining 350 could be credited contributions.

Some enlightened employers pay their workers the full salary and take the benefit when it is paid. If workers qualify for credits in these circumstance, both the employer and employee are entitled to a refund of the contributions paid. This appears to be a carefully guarded secret, the refund is not automatic, you must apply for it.

The National Insurance Fund is primarily intended to pay benefits to people who are insured under the NIS scheme. It is not intended to provide budgetary support to the Government. If they cannot manage this economy without relying on NIS funds, they are in the wrong jobs.

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117 Comments on “The Caswell Franklyn Column – National Insurance Director Misled the Public About Pensions”

  1. Bernard Codrington. September 12, 2017 at 5:14 PM #

    Pachamama at 10 : 09 PM

    The answer to your last question is “YES”.

    Like

  2. Tron September 12, 2017 at 6:49 PM #

    @Walter Blackman September 11, 2017 at 4:52 PM #

    Why 3.75 billion new taxes? And how? 20% National Plantation Irresponsibility Tax and 10% fees to exchange Mickey-Mouse-dollars, and the island completely breaks down. Another solution is to cut the pensions and other social benefits, dividing the losses between the taxpayer and the pensioners.

    Like

  3. Walter Blackman September 12, 2017 at 8:50 PM #

    TheGazer September 11, 2017 at 9:27 PM #
    “@Walter
    It was good to see you here…
    Some of us can ignore the politics and still like ya..
    Don’t be a stranger”

    TheGazer,
    Thank you.
    The feeling is mutual and the equation is balanced: I can ignore all of the politics and still like some of “wunna”.
    LOL

    Tron September 12, 2017 at 6:49 PM #
    “@Walter Blackman September 11, 2017 at 4:52 PM #
    Why 3.75 billion new taxes? And how?”

    Tron,
    You should start paying serious attention to the debt government owes. Whist you are doing that, keep one thing in mind – the “government “doesn’t work anywhere. It doesn’t earn anything. That debt can only be repaid one way – through the imposition of new levels of taxation on you and me.

    The funny thing is that the international credit rating agencies have recognized, long before the government did, that you and I are unable to handle any further increases in taxation. Thus, we have witnessed the multiplicity of downgrades which were designed to serve as alarm bells to warn the international financial community that the government did not have the taxing ability to repay its debts.

    Demographic considerations (related to increasing numbers of retiring baby boomers under NIS, and unfunded escalating civil service pensions) and other factors (massive debt repayments scheduled for 2021-2022) are tightening the noose around the government’s neck. Something has to give. If you manage to survive a few years more, you will be one of the lucky ones to smell the “sweet” aroma emanating from Barbados’ first world status which Owen Arthur promised us.

    Successive governments “borrowed” and spent $3.75 billion dollars of our hard-earned cash that we were forced to pay as social security taxes. In return, they gave us paper that cannot be spent anywhere in the universe. They know the paper is worthless. We know the paper is worthless. How do they replace this worthless paper with cash? You guessed it. They have to tax us, again.

    How will they do it?
    Try peeping into the imagination and creativity of the Minister of Finance.
    Try peeping into our empty pockets.

    Hopefully, you have peeped into the nature of the problem and its rapidly fading solution.

    Like

  4. Tron September 12, 2017 at 9:40 PM #

    Walter, Thank you for your honest response!

    NSRL and exchange fee are already in place, waiting for (another) increase. It will be a funny thing to watch the next government to try to cut the Gordian knot. I do not know any Alexander on this island.

    Like

  5. Chad99999 September 13, 2017 at 3:47 AM #

    Walter Blackman

    Why don’t you address the real alternatives to higher taxation in the future — such as sales of public infrastructure assets and an expanded Citizen-by-Investment program — instead of irresponsibly stoking the fears and resentments of voters with your exaggerated warnings about unfunded civil service pensions and rising public debt.

    The financial problems facing Barbados are problems widely shared among countries in the Western world that have built social welfare programs. Even the United States and Canada have these problems.

    Like

  6. Walter Blackman September 13, 2017 at 4:08 AM #

    Chad99999 September 13, 2017 at 3:47 AM #
    “Walter Blackman

    Why don’t you address the real alternatives to higher taxation in the future — such as sales of public infrastructure assets and an expanded Citizen-by-Investment program — instead of irresponsibly stoking the fears and resentments of voters with your exaggerated warnings about unfunded civil service pensions and rising public debt”

    Chad99999,
    “Shuh” fly, don’t bother me.

    Bah! Humbug!

    Next.

    Like

  7. Chad99999 September 13, 2017 at 5:27 AM #

    Walter Blackman

    is another useless politician-activist masquerading as a technocrat with specialized expertise.

    Like

  8. Alien September 13, 2017 at 5:28 AM #

    A caller to brasstacks hinted at a further amalgamation involving Cable & Wireless and another telecommunications company that would return us to a near monopoly. Mr. Robinson the NIS investment in Cable & Wireless may be even more valuable than estimated before this revelation if you fight for it.

    Like

  9. Hal Austin September 13, 2017 at 5:46 AM #

    @Chad,
    He is an actuary, why the personal abuse? Respect his professionalism.

    Like

  10. Chad99999 September 13, 2017 at 6:00 AM #

    Hal

    Puh-lease. WB is not a dispassionate professional. He is a demagogue.

    Like

  11. Well Well & Consequences Observing Blogger. September 13, 2017 at 9:30 AM #

    Lol….Chadster, ya got chased away like the insect ya are.

    Like

  12. chad99999 September 13, 2017 at 10:34 AM #

    For a substantial part of my career, I’ve worked with actuaries in North America. All were white men. None conducted themselves like Walter Blackman. Financial professionals work under codes of ethics that emphasize OBJECTIVITY and INTEGRITY. If you understand the meaning of the OBJECTIVITY principle, you would realize how disappointing Walter’s comments are.

    He reminds me of many Africans I’ve come across. They grow up in a Third World village, win a scholarship to study abroad, attend a university in the UK or the USA. They pass their exams and earn membership in an elite profession. They learn how to present themselves by observing sober, sophisticated white men.

    But when they return home to the Third World, they quickly begin to feel they are entitled to lead because of their high intellect and mastery of a specialized body of knowledge. As their political ambitions grow, they lose the dignified manner they had briefly achieved by living in the Metropolis. They become snarling politicians hungry for power and capable of anything.

    Like

  13. NorthernObserver September 13, 2017 at 12:43 PM #

    @WB
    very well outlined. “Try peeping into the imagination and creativity of the Minister of Finance”, he and/or his advisers, have been exceedingly creative. Unsure it is in Bim’s better interest, but he keeps finding a way to stay afloat.

    Like

  14. Simple Simon September 14, 2017 at 12:29 AM #

    @Chad99999 September 13, 2017 at 6:00 AM “WB is not a dispassionate professional. He is a demagogue.”

    Looka who calling somebody a demagogue.

    Chadx5 the biggest nastyess demagogue on BU.

    Like

  15. Bush Tea September 14, 2017 at 4:30 AM #

    @ Chad
    For a substantial part of my career, I’ve worked with actuaries in North America. All were white men. None conducted themselves like Walter Blackman….
    +++++++++++++++++++++++++++++++++++++++++++++++
    You are giving us too much information…

    It makes it far to easy to grasp your albino centric disposition and why you think that the world revolves around what white men think and do…
    …and BTW … IT DOES – which is why we are all collectively on our way to Hell in a dung basket.

    That Walter Blackman conducts himself OTHERWISE, is the thing that attracted him to Bushie as a possible LEADER of a movement of people who were seeking an ALTERNATIVE route in life besides your albino-centric path to certain damnation and death…

    Lo and behold, WB listens to one BB BU Sage called ‘Enuff’ …and falls into an even WORSE trap than your ‘white-man centred’ world of wickedness…. namely, the Bunch of Black Bajan Brass Bowl Bums called the BDLP Political Parties…

    …all Walter needed to do was to wake-up Caswell….BUP…… 🙂

    Like

  16. Well Well & Consequences Observing Blogger. September 14, 2017 at 5:37 AM #

    Chadster can’t help but show his true ghetto rat colors, no matter how many white asses he licked or tried to emulate.

    Like

  17. Artaxexes September 14, 2017 at 7:59 AM #

    Chad99999

    Obviously, you do not know Walter Blackman, you’re probably jealous of his achievements and his intelligence makes you aware of your short comings.

    For you to suggest that Walter learned how to present himself “by observing sober, sophisticated white men,” is not only insulting, but indicative of a character that is going through an “identity crisis.”

    You are essentially implying that for black people to make any significant achievements in life, they must emulate “sober, sophisticated white men.”

    Your comment “harrows me with such fear and wonder” to the extent that I don’t know how to respond appropriately.

    Walter Blackman and Dr. Don Marshall, in my opinion, are role models…….. men to be emulated.

    However, I am disappointed they have become associated with political parties.

    Like

  18. chad99999 September 14, 2017 at 1:08 PM #

    Art

    I’m not envious of anyone. Certainly not Walter Blackman.

    You will accuse me of boasting, but when it comes to academic work, I’ve never come across more than one or two West Indians with higher aptitude test scores than me. I’m sure there are more than that out there but they are few and far between.

    God bless. LOL.

    Like

  19. charles skeete September 15, 2017 at 5:56 AM #

    Not supporting Chad’s insensitive remarks but Walter deserves some lashes for abandoning the masses in their now darkest hour and pandering to the political class.

    Like

  20. Bush Tea September 15, 2017 at 6:53 AM #

    @ Chad
    …. I’ve never come across more than one or two West Indians with higher aptitude test scores than me…
    +++++++++++++++++++++++++
    You may need to get out some more…. 🙂

    BTW…
    Who is the other possible one one…..???
    LOL
    ha ha ha

    Like

  21. Well Well & Consequences Observing Blogger. September 15, 2017 at 6:58 AM #

    Chadster got daddy issues….men like Jeff and Walter threatens his fantasy about himself , one or both of them resembles his daddy,, what aptitute what.

    Like

  22. Walter Blackman September 15, 2017 at 7:33 AM #

    charles skeete September 15, 2017 at 5:56 AM #
    “Walter deserves some lashes for abandoning the masses in their now darkest hour …….”

    charles skeete,
    I am going to use your comments to highlight an attitudinal deficiency that we, as Bajans, must pay serious attention to, if we are going to make progress as a people. I will do so in question form.

    Since your brain or your conscience seems to be telling you that Walter Blackman was championing the cause of the masses at some point before he abandoned them, can you cite one example, just one, where you wrote anything on BU like: “Walter deserves some credit for representing the interests of the masses”?

    Please remember that it is a simple question, requiring a “yes” or “no” answer. There is no need to get angry or to use slavery as an excuse.

    Like

  23. millertheanunnaki September 15, 2017 at 9:06 AM #

    @ Walter Blackman September 15, 2017 at 7:33 AM

    Mc Milton, forget about the ‘niggardly’ niggling irritation of intellectual inconvenience from both Chad the mixed-up maverick and charles skeete formerly “balance”.

    However, you cannot escape or purposely evade the most poignant question raised on this blog by the same Chad the 9×5 the bane of many on BU.

    How else can the government of Barbados meet its statutory obligations to the NIS other than by way of taxing of an already overtaxed population?

    As a student of economics yourself, albeit inchoate in advancement, you must be aware of the potential of the socio-economic impact of the Laws of Diminishing Returns on which the must recently debated and dismissed Laffer Curve hypothesis is based.

    Clearly, Chad’s suggestion of liquidating State-owned and managed commercial assets does have some merit worthy of further discussion instead of your off-handed dismissal of ‘Shoo fly, don’t bother Br’er Walter’ in true Uncle Remus style.

    Why wait until the IMF puts the GAIA and its likes on the international auction block when fees and commissions would be a significant deduction from the final amount from the final proceeds accruing to the bankrupt country called “Broke Buybados”?

    Similar recommendations of timely disinvestment were made to your administration in the early days of its fiscal crisis when indeed the hemorrhaging of tax payers’ dollars by the millions was in its early stage.

    But they were deftly dismissed since an easy road of a shortcut to the NIS reserves was there for the taking like a child’s easily broken piggybank.

    Now you can both see and feel the impact of such fiscal shortsightedness with serious ramifications for the future integrity and viability of the same NIS.

    So why not immediately divest the ownership of the GAIA in order to settle the debts owed to the NIS?

    Why wait until the same commercial entity is forced to sell to a foreign entity just for a mess of forex pottage as happened with the BNB, BL&P and about to happen to the BNTCL and Hilton Hotel; but not the CBC?

    Clearly your administration can have no politically-based objections to such a proposal since, if memory serves well, the MoF in his 2012 (could be the 2011) budget presentation proposed to put on the market at least 30 % of the GAIA shares for ‘private’ take-up as a means of dealing with the ballooning fiscal challenges of that time and which have now reached a stage of having a financial impact of nuclear proportion in the coming year.

    Like

  24. Caswell Franklyn September 15, 2017 at 11:38 AM #

    Walter

    When you represent the masses, you do so at your own peril. Accolades or a simple thank you are few and far between. This is Barbados; don’t expect them and if they come, acknowledge them and move on. The politicians understand that and that is why they are mostly self-serving and don’t give a damn about anything but their Range Rovers and things like that.

    Sent from my iPad

    Like

  25. Walter Blackman September 16, 2017 at 10:27 AM #

    millertheanunnaki September 15, 2017 at 9:06 AM #
    “@ Walter Blackman September 15, 2017 at 7:33 AM
    …………Clearly, Chad’s suggestion of liquidating State-owned and managed commercial assets does have some merit worthy of further discussion instead of your off-handed dismissal of ‘Shoo fly, don’t bother Br’er Walter’ in true Uncle Remus style…………

    Clearly your administration can have no politically-based objections to such a proposal …………”

    Millertheanunnaki,
    I am going to humour you.

    Nowhere in the universe do I hold any position in a political party or national government.

    Yet, paradoxically, the Walter Blackman administration has taken a look at the various divestment proposals being bandied about at this time.

    At a cabinet meeting held on Thursday, September 13th, 2017, the Blackman Administration made and documented the following observations:
    1. For many years, taxpayers whose names go on pay sheets have shouldered a disproportionately large amount of the tax burden in Barbados. Government assets were acquired with their hard-earned money, and if these assets are to be divested, these taxpayers should be the first in line to own them. However, the administration recognizes that whereas these workers have saved billions of Barbadian dollars in the local banking system, they are immediately disqualified because foreign currency, not the Barbadian dollar, is king.
    2. Institutions that create opportunities for broad based ownership, such as credit unions, pension funds, and the NIS, ought to be given priority status as buyers. However, the administration recognizes that these institutions are immediately disqualified because they have been inhibited or discouraged, for one reason or another, from accumulating foreign exchange.
    3. Wealthy nationals, who have done their utmost to avoid paying taxes to the government of Barbados, and so-called foreign investors with shady or criminal backgrounds, are the ones most likely to benefit from a divestment program.

    Given these observations, the Walter Blackman administration has decided that, in the interest of Barbadians and the future of Barbados, divestment will not be considered at this point in time. Such divestment will only occur after structures have been put in place to allow Barbadians and broad based institutions to acquire national assets.

    The administration also noted that national assets were divested in the early 1990’s. We are faced with a more dire situation now, so clearly that divestment program did not provide a long-term solution.
    That said, alternative approaches to solving the country’s financial crisis must now be considered.
    Stay tuned for further developments.

    Like

  26. Bush Tea September 16, 2017 at 11:18 AM #

    @ Walter
    This is Bushie!!
    No lotta long talk….. Yes or No.

    You done with that stupid idea from Enuff …bout joining wid the Devil and trying to take over Hell..?

    In udder words – you fire the shiite DLP dead party yet…?
    …or you waiting your turn for a Range Rover too…?

    If the answer is ‘YES’
    Welcome back to reality.

    If “No”, then put on an extra pants, of stuff your backside with newspaper like we used to do back at school in the old days… cause de whacker does sting…

    Like

  27. millertheanunnaki September 16, 2017 at 11:20 AM #

    @ Walter Blackman September 16, 2017 at 10:27 AM

    W B, thanks for your intellectually-loaded sarcastic response full of (anal)ogous crap and hypothetical diarrhea . (LOL!!!

    But having a sparring partner in a Bob Fitz Simmons like you, one can handle your hidden belly searchers laden with feathers and landing like powder puffs to the solar plexus.

    We are already fully seized with the damaging effects of the overwhelming financial strictures which have placed “your” administration in that catch 22 situation caused mainly through the electorate ‘accidentally’ placing a set of square thieving pegs in a round hole of incompetence in the governance of the country’s financial and fiscal affairs; and in particular your professional baby the NIS over which you should have been fully in charge and caring for as repayment for the free education from the same taxpayers (workers) about to be screwed by the long flaccid pricks in stored in a cabinet in their golden years of pending discomfort.

    So what are you saying here, Walter?

    That the catch 22 situation of having to sell off the same NI contributors’ birthright in the form of State-owned assets in order to feed the already overly obese foreign exchange consuming behemoth called Conspicuous Consumption is already written in stone tablets like the Ten Commandments of ‘Mosaic’ times?

    If so, you ought to be like the boy on the burning deck and shout to the top of your intellectual voice that Bajans are indeed looking down the barrel of a smoking gun ready to discharge like an economic time bomb to put that Germanic goddess of war called Hurricane Irma to shame.

    Like

  28. Walter Blackman September 16, 2017 at 2:15 PM #

    Bush Tea September 16, 2017 at 11:18 AM #
    “@ Walter
    This is Bushie!!
    No lotta long talk….. Yes or No.
    You done with that stupid idea from Enuff …bout joining wid the Devil and trying to take over Hell..?
    In udder words – you fire the shiite DLP dead party yet…?
    …or you waiting your turn for a Range Rover too…?
    If the answer is ‘YES’
    Welcome back to reality.
    If “No”, then put on an extra pants, of stuff your backside with newspaper like we used to do back at school in the old days… cause de whacker does sting…”

    Bush Tea,
    My answer is “yes AND no”. No lotta long talk. Since you are, without dispute, the “King of Barbadian Brassbowls”, it is designed to cause the electrical nodes in your “regal” brain to misfire. I used that trick repeatedly on two of your recent ancestors before they died – King Ja Ja, and King Dyall.

    I had the misfortune of meeting two of the most wicked, unrighteous infidels that a human being can ever come across – PieceuhtheCock (The Sheriff), and Watchman (His Deputy). They have been smuggling guns into your kingdom for years. They gave me one and told me it was a PPK. The very first thing I did was to put a PPK bullet, each, in their respective backsides.
    You keep harping about your whacker, and boasting about how your “whacker does sting”. I have no idle boasts to make, but, being your long-standing, trusted friend, I think I should tell you that the PPK does it work compassionately. You feel nothing. It delivers whispering death, Michael Holding style.
    By the way, can you name one person you have ever whacked? Oh Lord, I just heard the sea-cat woman cackle out with laughter.

    You really believe that you are the only one who can “mek mock sport”?

    Like

  29. Walter Blackman September 16, 2017 at 2:18 PM #

    Walter Blackman September 11, 2017 at 2:40 PM #
    “Millertheanunnaki
    Not surprisingly, I have come back from my foray and found you in the same condition in which I left you – sitting disconsolately on your flaccid anunnaki during the night, and spouting hairy-fairy ejaculatory fluff on BU during the day”

    millertheanunnaki September 16, 2017 at 11:20 AM #
    @ Walter Blackman September 16, 2017 at 10:27 AM
    …..about to be screwed by the long flaccid pricks… ….
    Bajans are indeed looking down the barrel of a smoking gun ready to discharge…….

    Millertheanunnaki,
    Be careful.
    My words are tearing a delayed reaction from your brain. They are also having other unintended consequences.

    LOL

    Like

  30. millertheanunnaki September 16, 2017 at 3:04 PM #

    @ Walter Blackman September 16, 2017 at 2:18 PM

    My man Wally, why can’t we just cut to chase and call a spade a spade?

    You have nothing to lose but your NIS pension.

    Why don’t you simply tell Bajans under the age of 60 that their State-pension is in serious jeopardy with their many hopes and expectation of comfort in old age mere pipe dreams of yesteryear?

    At least they will thank you for it and prepare themselves for the coming onslaught with the fury and devastation of a financial storm worse than Irma.

    If you don’t, you might just find yourself recorded in history as the Brilliant but Frighteningly cowardly lad from Cawmere who refused to work and write on behalf of the masses from whence he sprung but simply bent down to be screwed by his political masters just for an appearance on TV as a point 2 of a man.

    At least that might just resurrect Pieces to come out of hibernation with his Walther PPK blazing at an imaginary target of resistance.

    Like

  31. Chad99999 September 16, 2017 at 3:07 PM #

    Some of you may have heard of Edmonton’s Jubilee Auditorium. It is an impressive building, now at least 70 years old, but because it has been maintained properly and used wisely, it looks as good as new.

    There are many other examples of the careful use of infrastructure assets in the UK and the US, but not in Barbados. West lndians are not good at building management. They are not good at financial management. They are not good at any type of management. At least, not yet.

    So why would anyone think it is a good idea to sell large infrastructure assets to Barbadians or any other West Indians? Much less to “democratically controlled” institutions ultimately subject to the decisions of people lacking in financial sophistication and experience?

    The alternative to astute foreign ownership of our big infrastructure is a long period of neo-colonial rule by the abusive, blood-sucking, mostly incompetent foreigners who run the IMF and the World Bank.

    Optimize the future value of our physical assets. Put them in the hands of experienced foreigners who know best how to monetize them.

    Like

  32. Walter Blackman September 16, 2017 at 5:29 PM #

    millertheanunnaki September 16, 2017 at 3:04 PM #
    “@ Walter Blackman September 16, 2017 at 2:18 PM

    ,,,,,, you might just find yourself recorded in history as the …….. lad who bent down to be screwed by his political masters just for an appearance on TV as a point 2 of a man.”

    millertheanunnaki,
    Oh! Do you watch Walter.2 on CBC (or listen on 100.7 FM) on Sundays from 11 a.m. to 1 pm?
    I have done 10 programs so far. You are a Bajan and you have found nothing to criticize, condemn, or pull me down me for? Wow! That means I am doing something right.
    I can conduct a social experiment by deliberately saying something outrageous or half-true on the programme and I am 100% sure that I would be vilified, hung, drawn, and quartered on BU before I leave the studio.
    Thanks for the unspoken compliment.

    PS: You do know that public education can be conducted in many forms, right? But then again, you might be watching or listening to the programme with such resentment and hatred in your heart that your mind has no room for “education”. I can only hope against hope that is not the case.

    Like

  33. Well Well & Consequences Observing Blogger. September 16, 2017 at 5:57 PM #

    Chadster…you are frightening, the typical black man who has no confidence in your own abilities to create and manage an empire and feel every other person should be like yaself, low in self esteem and self confidence …….lacking skills and abilities to be successful…dependent on foreign, particularly in your case , white foreign people to control and manage the assets of the majority….

    …….as a business person, I would never hire you.

    Like

  34. Watchman September 16, 2017 at 6:34 PM #

    @Walter Blackman

    Your aim with the PPK got no better, by now your damaged feet are causing wet gangrene to affect some of your body tissues. Remember your advise, and promise to my friend about the watercourse situation in Clarkes Road, St. James. It was before you set yourself up, to fall-off St. Michael East. This watchman realized who you were then, and give you the PPK, perhaps you may realize, that some on BU are spot on, about who Walter Blackman really is, and will attack you,

    Like

  35. millertheanunnaki September 16, 2017 at 8:16 PM #

    @ Walter Blackman September 16, 2017 at 5:29 PM

    Walter B, you can sidestep, dipsy doodle and circumvent the real issue with your bullshit circumlocution as much as you like. Chad’s query still stands as a stumbling block in your tautological way.

    If not the impossible high hikes in taxation in the very near future what else is there to deal with the hovering NIS problems?

    The questions still remain as follow:

    Is the NIS about to go cash broke because the government is using it as its unlimited ATM and alternative money printing press of convenience or it is firing on all cylinders and batting like Sir Garry à la the watery ‘mutterings’ of the MoL?

    And if there are serious and major concerns regarding the financial integrity of the Scheme what assurances can you give (from a professional perspective) to deal with those looming challenges other than inexorably increasing the insurable limits and or rates of contributions?

    And we don’t want to hear about the Scheme being ‘solid as a rock’ despite its financial reporting challenges as packaged in a tissue of lying gloss by its Chair of Dr. JR’s assurances and patented bullshitery.

    CLICO was also described as holding such characteristics and given a clean bill of financial health by the dead King David before its sudden collapse in 2009 even with the Auditors signing off and ‘certifying’ the entity to be one of a reliably solid ‘going concern’ and can be recommended as a long-term investment vehicle to the average Bajan for life assurance and pension annuities.

    Chad the 9×5 maverick does have a point which ought to be considered without an air of flippancy unless you subscribe to the dictum that God is a Bajan from Two Mile Hill and resides at Ilaro Court: “Nil desperandum !“Sans Dieu, rien!

    Like

  36. Simple Simon September 16, 2017 at 9:22 PM #

    @Chad99999 September 16, 2017 at 3:07 PM “Some of you may have heard of Edmonton’s Jubilee Auditorium. It is an impressive building, now at least 70 years old, but because it has been maintained properly and used wisely, it looks as good as new. There are many other examples of the careful use of infrastructure assets in the UK and the US, but not in Barbados.”

    There are buildings in Barbados which are far, far older than ANYTHING in Edmonton., older than ANYTHING in Canada. Exactly which planet are you living on?

    Whose labour, skill and money do you think has maintained the Anglican churches and plantation houses in Barbados for hundreds of years, and through many massive hurricanes? Some of these are more than three hundred years old. The house in which I was born, built by my own father’s hands in 1951 in still occupied and is in excellent shape. It is as good as new. Some of the private and public buildings which he worked on still stand. My own church, a fairly new one just over 100 years old was refurbished just last year. We spent about $100,000 and now it is as good as new. You should pass by some time and see the handiwork of Barbados’ tradesmen. I hired one today to do some maintenance on a 50+ property which I own and which has been continuously occupied for all of that time.

    We don’t need rich white foreigners to tell us how to maintain buildings. We simply need to put maintenance money in the budget every year and then hire some of Barbados’ excellent workmen to do the job.

    Lest you forget your grandfather and mine (well my step grandfather) and my great uncle worked on building the Panama Canal. That will stands and will be there long after all of us of this blog have returned to the dust from which we came.

    Like

  37. Simple Simon September 16, 2017 at 9:29 PM #

    My elementary school still stands. All of my siblings including those who are 80> were educated there. It is in excellent condition and is in daily use–now as a pre-school–It is a beautiful old fashioned steep double roofed building, with beautifully hand crafted wooden windows and doors. A joy to behold.

    Every year put some money in the budget.

    Hire good workmen. Do ongoing maintenance. Do not wait until a little problem becomes a big problem.

    i don’t know why chad9x5 seems to think that building maintenance is rocket science.

    it isn’t.

    Like

  38. Well Well & Consequences Observing Blogger. September 17, 2017 at 1:11 AM #

    Chadster is a mirror image of how lazy and self defeating the majority bajan has become, particularly the lazy new negros in parliament who post independence, believes that nothing should be maintained, not the historical buildings, not the economy, not the centuries of artisanship that the population has always been famous for and which built the island…not the cleanliness, nothing, they have become a national disgrace sitting waiting for some fireign white criminal to do something for the island because somehow in their self defeating minds, minority criminals do everything so much better than they themselves could…..that is 2 lost generations with self defeatist mentalities and extremely low self esteem…..

    No wonder on a daily basis those whom they see as so much better than themselves and so much better at everything….are rewriting their history for them and filling it with nothing but lies, because they have become so self defeatist in the last 50 years…….idiots.

    Like

  39. Crusoe September 17, 2017 at 5:56 AM #

    In the 60[s and 70’s there was a public works department, precursor to the MTW, that was very effective at maintaining government properties.

    Then it got fancied up and became MTW.

    Like

  40. Walter Blackman September 17, 2017 at 5:50 PM #

    Watchman September 16, 2017 at 6:34 PM #
    “@Walter Blackman

    Your aim with the PPK got no better, by now your damaged feet are causing wet gangrene to affect some of your body tissues. Remember your advise(sic), and promise to my friend about the watercourse situation in Clarkes Road, St. James. It was before you set yourself up, to fall-off St. Michael East. This watchman realized who you were then, and give you the PPK, perhaps you may realize, that some on BU are spot on, about who Walter Blackman really is, and will attack you,”

    Watchman,
    I have a high tolerance level, but since you persist with your ignorance, I am going to stop you in your tracks. Right here. Right now.

    After reading the story you wrote on BU about how your neighbour, your parliamentary representative, and MTW had conspired to put you and your property at risk, I boarded a plane at Atlanta and headed for Barbados.

    When I arrived in Barbados, I searched for Alden Blackman in the phone book, and eventually gave you a call. You gave me directions to your house. I have lived in Barbados for many years, but that was the first time, I ever left Highway 1 and went up in Clarke’s Road.

    Whilst “touring” your property and the surrounding area, I noticed that the efforts of your parliamentary representative and MTW had resulted in a public road being extended as far as possible to allow residents in that section to get vehicular entrance to their homes. From that standpoint, I thought their objective was noble, and their actions reasonable.

    When I asked you how you were being affected, and what risks you faced, you then demonstrated to me, in a boastful way, that you had used your own money to safeguard your property. You confessed to me that part of the strategy you used to protect your property had resulted in the channeling of water towards the “poor” people who lived on NHC owned property to the west of you. You then proceeded to tell me, that as a result of your action, these “poor” people no longer “speak” to you.

    Similar to your “poor” neighbours, I have not spoken to you after that visit either. I feel a deep pain in my heart for these people whenever Barbados is threatened with heavy and persistent showers. May God continue to shield and protect them during the passage of Maria.

    I have no names to call you. I have no condemnatory remarks to heap upon you. All I would say is that we have some Barbadians living among us who deserve to be put in a burning barrel and cast out to sea.

    BU readers are not fools. They will easily see who “Walter Blackman really is”, and since I have nothing to gain by telling lies, they will also see who Alden Blackman (aka Watchman) really is. I really hope you are not related to me.

    May the Lord have mercy on your soul.

    Like

  41. Simple Simon September 17, 2017 at 9:49 PM #

    Ouch!!!

    Like

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  1. The Caswell Franklyn Column – National Insurance Staff not Sufficiently Trained to Administer Scheme | Barbados Underground - September 24, 2017

    […] my last column about the National Insurance Scheme (NIS), several people, who were having problems with that […]

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