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‘There is a time for everything, a season for every activity under heaven.’

These verses in Ecclesiastes Chapter 3: Verses 1 to 8, have always inspired me.
The Byrds have made a beautiful song using these words.
It is one of my favorite songs.
“There is a time for everything, a season for every activity under heaven.
A time to be born and a time to die.
A time to plant and a time to harvest.
A time to kill and a time to heal.
A time to tear down and a time to rebuild.
A time to cry and a time to laugh.
A time to grieve and a time to dance.
A time to scatter stones and a time to gather stones.
A time to embrace and a time to turn away.
A time to search and a time to lose.
A time to keep and a time to throw away.
A time to tear and a time to mend.
A time to be quiet and a time to speak up.
A time to love and a time to hate.
A time for war and a time for peace.”
I often wondered at the meaning of these words and when I discovered the meaning I wrote Your Time is Now: A Time to be Born and a Time to Die.

Read all about it. The book is available at Amazon Universal Link.

Cancer does not have to be a death sentence

WHY I WROTE I AM CANCER FREE

Almost eight years after my battle with Ovarian Cancer, I decided to write the book, “I am Cancer Free.”
My thoughts were that I was still alive, although my doctor in Trinidad had given up on me eight years before when she performed a hysterectomy and could not remove the tumour.
I believe that my story would help others in similar situations to get other doctors’ opinions, even if it means going to another country to do so.
Do not rely on the first one.
For eight years, the feeling that I would die remained with me. Even after the doctor in Miami declared me Cancer Free after seven months of treatment and surgery, I asked him, “How long do I have?” He looked at me in the eye and told me, “Brenda, I just told you that you are cancer free. Enjoy living.”
In my book, I spoke about what I did after each chemotherapy session, which was always on a Friday.
Although my body was filled with Taxol and Carboplatin, I felt energized and wanted to go shopping and eat in restaurants. I never lost my appetite. I could have eaten any food I wanted. I had chemotherapy on Fridays and no pain until Sundays, when I experienced bone pains, which the doctor told me to expect. It has been ten years since I am Cancer Free.
The cost of the medical treatment would have been great cause for concern.
Well, thank God for Insurance. I had two Critical Illness Policies and Health Insurances with two well - known Insurance Companies.
The only problem was that I had to fork out that money before the Insurance Companies reimbursed me.
Luckily, as I mentioned in an earlier chapter I had negotiated and secured a large credit limit on my credit card, and I utilized that to my advantage. I also got bonus miles on that credit card which helped me to travel to and from Miami for my last three chemotherapy sessions.
In the final analysis, Insurance paid my bills, although it was a hassle to get them to do so. I always liked an Insurance advertisement I saw on Television.
It goes like this. “Insurance is a promise to pay.” Insurance has not only helped me in my bout with cancer but in all other aspects of my life.
I must also mention the generosity of my former employers at the bank where I worked before I moved on to the Insurance business. They sent me a cheque for a rather substantial amount to help me pay my medical bills.
I want to take this opportunity to acknowledge the kindness of everyone who supported me at a time when I faced my greatest challenge in life.

Read the book for my advice to family and friends of loved ones who may be going through cancer treatment.
Get the book at Amazon Universal Link

My Tribute to My Father on Father's Day.

What better way to pay tribute to my Father on Fathers Day but by promoting his Biography.
Book Description
Memoirs of Dr. Andrew Moonir Khan: Journey of an Educator, is the memoir of a great Educator.
Do you know that at one time Education was not a priority?
The young teacher Andrew overcame all obstacles and became a trailblazer in Education in his country climbing the ladder from classroom management to school principal.and superintendent of schools.
Later in life, he became a Presiding Elder in his church and preached many sermons, some of which are appended to his biography.
His story is both motivational and inspiring.
An Amazon Reviewer stated, "The book in its lifelike and meaningful way depicts the story of a great man, a true exemplar, a national hero."

Brief History about Dr. Khan

He started his career as a pupil teacher at the Exchange Presbyterian School at the age of seventeen. He pursued and passed all studies for the Pupil Teachers’ and Teachers’ Examinations. He completed the Teachers’ Certificate Examination in 1927, and at the age of twenty- two, attended Naparima Training College, where he graduated with distinctions in four subjects two years later.
After his graduation from Naparima Teachers Training College, he taught at the Waterloo Presbyterian School, Exchange Presbyterian School, Preysal Presbyterian School, Elswick Presbyterian School, and Princes Town Presbyterian School.
His first appointment as a Headmaster was in January 1938 at the age of thirty- three years at the Jubilee Presbyterian School twelve miles southwest of Sangre Grande.
Eight months thereafter, the Board of Education appointed him as Headmaster of the Union Presbyterian School where he spent almost fifteen successful years of his career as a Headmaster. He was instrumental in building a church in that area, as well as in having the school rebuilt to accommodate a growing school population.
Between 1944 and 1945, he studied and obtained the College of Preceptors Diploma and earned the designation A.C.P.
He also gained membership in the Royal Society of Teachers, earning the designation M.R.S.T.
The Board of Education appointed him as Head Master of the Penal Presbyterian School in 1952 and he was granted the opportunity to act as an Inspector of Schools for one month in September 1953.
During 1954 to 1955, he spent one academic year at the London University Institute of Education, studying Post Primary methods, on a Government scholarship.
He obtained the title A.I.E. [Associate of the Institute of Education], after submitting a 580-page thesis on “An Appraisal of the Secondary Modern School and its suitability for Trinidad and Tobago.”
He gained the Bachelor of Education degree from the Columbia University, U.S.A. after submitting a thesis on “Development of Primary Education in Trinidad.”
He was promoted as Headmaster of the Grant Memorial Presbyterian School in April 1956 and on 5th July 1956, he was promoted to the Inspectorate as the District Inspector of Education in Sangre Grande and North Eastern Counties.
After two years, he was returned to the South as Senior Inspector of Schools, Southeastern counties, until his retirement in November 1965.
In 1971, he took the Presiding Elders’ Course and was ordained a Presiding Elder with License to administer the sacraments in the Presbyterian Church.
In 1973, he obtained a Doctorate in Education from the Florida State Christian University after submitting a resume on his theoretical and practical achievements in the field of Education, a Book Report of the Sociology of Religion, and a thesis on Education and Social Change.
Dr. Khan was married to Beatrice Mary Khan who gave him unstinting support throughout his life. His belief in Education transferred to their ten children, twenty-nine grandchildren, and other relatives, who all held, and continue to hold positions of great importance, some in their home country, and some abroad.
Sir Isaac Hyatali T.C. K.B., former Chief Justice of Trinidad and Tobago, [now deceased], and a legend himself, who wrote the foreword for the original book produced in 1989 remarked, “He was one of the greatest intellectuals in this society.” Sir Hyatali’s foreword is appended at the back.
Trinidad and Tobago need more citizens of the calibre of Dr. Khan, and indeed much more to follow the example of such a dedicated man, who made numerous and outstanding contributions to church and country in spite of the odds against him.
His peers described him as one of the pioneers of educational statecraft. This book is dedicated to all who knew Dr. Khan and to all those who start at the bottom of the ladder.
Dr. Khan died in 1975. The Presbyterian Teachers’ Association and Board of Men honoured him with gold medals posthumously for faithful service to the Presbyterian Church for several years.
The Book is available at Amazon Universal Link

Cancer Article in Round Table Magazine

This Article appeared in the Million Dollar Round Table Magazine March/April 2007

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'Planning to spend a couple of months at home after a simple surgical procedure, Brenda Christobelle Mohammed had no idea that she would spend the next several months treating a cancerous tumour.
Brenda, a four-year MDRT member from Trinidad postponed a doctor recommended surgical procedure to late summer 2005 to allow her to attend the 2005 MDRT Annual Meeting as planned for June in New Orleans, Louisiana.
The day after the surgery, Brenda’s doctor told her news she did not expect.
The procedure had been interrupted because of what the doctor found, and she was awaiting lab results.
A few days later, Brenda was discharged and instructed to retrieve the results, then bring them to the doctor to open.
But, Brenda was too anxious to wait. “I ripped open the envelope and was stunned to see the comments,” she said. “I had a malignant tumour.”
The doctor had more bad news.
The cancer cells were the type that could rapidly spread and required immediate treatment abroad.
Brenda obtained the name of a well- referred oncologist and flew to the United States to see him.
”He was calm and very reassuring, explaining that he could not perform another operation so soon after the first,” she said.
The oncologist recommended that she do three sessions of chemotherapy to stop the cancer from spreading before another surgery could be done to remove the tumour.
When the whirlwind of the cancer diagnosis began to die down, new fear about the cost of treatment crept up on her.
She was forced to stay in the United States for several months to receive treatment.
Though she was able to stay with her daughter in Florida, the treatments were expensive at US$16,000.00 per session.
Before she left Trinidad, she thought ahead and submitted claims for her two critical illness policies, worth US$65,000.00.
Group medical insurance was provided by her employers, but she had to pay upfront and submit the claims afterward.
“When the doctor’s assistant called with the cost of the chemotherapy, it was very high, but luckily I had critical illness insurance and the peace of mind that I had the funds,” she said.
With the second surgery, the doctor successfully removed the tumour, and the chemotherapy treatments had stopped any spreading.
As a precaution, she continued chemotherapy for three months, first returning to Trinidad to celebrate Christmas with her family.
Between the chemotherapy treatments, both before and after surgery, and the surgical and hospital fees, her bout with cancer cost US$123,000.00. Her health insurance combined with critical illness insurance payouts covered $113,000.00, leaving her savings to bear the rest of the burden.
“Without those insurances, my savings and those of my husband would have been depleted completely, and we may even have had to borrow some,” she said.
This experience has made me more determined to tell everyone about the value of insurance.
Without it, I would not have been in a position to afford overseas treatment, and be here to tell my story.”

Read Brenda's Memoir, I am Cancer Free available at Amazon Universal Link
The Book received the Mc Grath's House Award for Best Non=Fiction in 2016.
It also received a five-star review and seal from Readers Favorite in 2017.
Look out for the new Book Cover coming soon.

When one door closes, Another opens.

Retirement is Fun has a new Book Cover.
This book will dispel your fears of Retirement.

Book Description:
When one door closes, another opens.
In her book Retirement is Fun - A New Chapter, which is a sequel to her memoir My Life as a Banker - A Life Worth Living, Brenda describes her many wonderful experiences at the end of her banking career.
Her new job brought many opportunities to travel the world, have fun, and enjoy life.
She grasped opportunities as they fell in her path
Is your life over when you retire?
Brenda dispels that fear.
She proves that retirement is a time to enjoy life and earn too.
Despite facing many challenges such as cancer, deaths of loved ones, and an accident, which made her realize that life is very short, she triumphantly moves on to accomplish more.
Brenda increased her skills in areas she never thought possible.
Brenda has surely proven that when she retired from her first job she definitely did not retire from life.
For her, Retirement is indeed fun and she has written about her fun experiences in this personal memoir on Retirement.
Retirement is Fun: A new Chapter was a nominee in the Metamorph's Publishing Summer Indie Book Awards 2016 in the category Bio/Memoirs.
This is a book you would want to read.
Get it at Amazon.

Do not let the word Retirement fool you. Read this Book.

When one door closes another opens.
Travel the world, have fun, enjoy life, and grasp opportunities as they fall in your path.
In her book Retirement is Fun - A New Chapter, which is a sequel to her autobiography My Life as a Banker - A Life Worth Living, Brenda describes her many wonderful experiences at the end of her banking career.
Is your life over when you retire?
Brenda dispels that fear.
She proves that retirement is a time to enjoy life.
Despite facing many challenges such as cancer, deaths of loved ones, and an accident, which made her realize that life is very short, she triumphantly moves on to accomplish more.
After her banking career, she landed a new job in an Insurance company and had numerous travel opportunities.
She increased her skills in areas she never thought possible.
Brenda has surely proven that when she retired from her first job she definitely did not retire from life.
For her, Retirement is indeed fun and she has written about her fun experiences in this personal memoir on Retirement.
Retirement is Fun: A new Chapter was a nominee in the Metamorph's Publishing Summer Indie Book Awards 2016 in the category Bio/Memoirs.


The book has a new Cover.
This is a book you would want to read.
Get it in Kindle or Paperback at Amazon

Here is an extract from the Book:

'On Monday, the opening day of the Million Dollar Round Table Conference in Anaheim, California, many celebrities thrilled us with their messages.
One such celebrity was Queen Noor of Jordan, who spoke of the need for dialogue in all aspects of life. Her topic was The Power of Dialogue.
Another speaker was Loung Ung, a most dynamic speaker. Her topic was, Given a Chance, which tied back to her Memoir, First, they killed my Father: A Daughter of Cambodia Remembers.
Her book chronicles the brutality of the Khmer Rouge in Cambodia, from the author’s forced ”evacuation” of Phnom Penh in 1975 to her family’s subsequent movements from town to town and eventual separation.
Her story was most touching and there was not a dry eye in the hundreds of Financial Advisors present.
I have in my possession a copy of the MDRT’s 2004 proceedings.
At the end of her presentation, she left us with these words:

“When you return to your businesses, I hope you will think of my story and seek out someone in your community who needs to be given a chance to succeed. When you hear about a child left behind from a school trip due to poverty, please consider what your help can mean to that child. When a family from another culture joins your community, know that the friendship you share means a chance to learn, to laugh, and to succeed in a new world. When you leave this room, I challenge you to extend yourself beyond your comfort zone. Appreciate the value of a kind word. Sometimes the little things mean so much. You have the opportunity to change the world. You must start at home. Invest in people. For me, a painful road was filled with kindness; kindness recognized much later but now seen for what it was, the chance to go beyond surviving to thriving. I am so grateful.”

Thousands of members from across the world attended the Conference, which lasted until Wednesday of that week.
In his opening speech, the President of the MDRT said that we, the MDRT Members, were among the top 1% in the Insurance Industry in the world.
It felt good to be among the best.
‘Wow’ was the theme of the Conference, which provided us with motivational and educational experiences that kept thousands of members from seventy-one countries around the world, going back each year.
The programs were rich with the experience and knowledge of speakers, and their life-altering stories on the Main Platform, which sent us back home with renewed and invigorated spirits.
Of course, we took time off to sightsee as well.
After the Conference ended, we took tour buses to Universal Studios, Disneyland, and the Hollywood Boulevard.