Bermuda Parent Fall 2014

Renfroe & Jakob Resnik at Hamilton Fort

Photo By: Lanka Bull

The Afterschool Programme is committed to developing youth through sport and recreation.

West Pembroke

Francis Patton

Northlands

Elliot

Heron Bay Purvis

Harrington Sound Port Royal Paget

Prospect St. George’s Community Centre

The Centre, Hamilton (Middle School)

The Afterschool Programme will continue to operate, providing exemplary care for students during their extended school day. At a 12:1 ratio activities are structured to ensure inclusion of all students.

Sandys Community Centre

Back to School Already?

fter a long break filled with fun in the sun, popsicles and beach days it’s back to reality for the whole family. As we say goodbye to summer, I know your kids are probably sulking at the idea of homework and uniforms. Let’s face it, nobody wants their vacation to end, even for us parents who have been working right through, just thinking about the new school term can leave us stressed about school fees, report cards and getting our kids back into the routine. Going back to school doesn’t have to be a downer. It can be a really exciting time! New lessons, challenges and opportunities –both inside and outside the classroom.

To inspire you and the kids, we are highlighting Jasmyn Renfroe (p 50) and Jakob Resnik (p 52) (on the cover), two exceptional young teens who are making impressive accomplishments not only in their academic lives but also in the world of combative sport.

Getting your child involved in extra-curricular activities has a number of benefits to their overall development. But according to teacher and author, Joanne Ball-Burgess, infusing these kinds of activities in the classroom could yield even greater scholastic achievement. She explains this theory in “Art-Infused Learning” (p 28).

It’s never too early to start planning for the future. Many people are skeptical about investing in Life Insurance (p 54) Lisa Lewis exposes some popular misconceptions and provides some compelling reason to invest in life insurance.

Going back to school is all about adjusting your routine, and being organized will ensure a smooth transition for the whole family. The organizational skills your child develops during their time at school will stay with them for the rest of their life. In “Managing the Scattered Tween” (p 46) Angela Young talks about her personal experience as a parent while briefing us on the importance of organization or ‘executive functioning’ skills – a must read for any parent to a tween or teen.

Here’s to a happy, stimulating and successfully semester! It’s all about perspective, as we portray a positive attitude toward the return of school than our children will follow our example.

Publisher & Editor

I want to say a special thanks to Brigitta Wohlmuth who assisted with this issue of Bermuda Parent Magazine and I wish you all the best in your studies!

PUBLISHER & EDITOR

Katrina Ball

BUSINESS CONSULTANT

Vic Ball

ADVERTISING SALES

Wanda Brown

wanda0211@logic.bm

333-1925

Taja Fox

tajafox@gmail.com

705-2400

DESIGN & PRODUCTION

Picante Creative

WRITERS & CONTRIBUTORS

Jennifer Burland-Adams, Roxanne Kipps-Jackson, Shavonne Jeffries, Dr. Sajni Tolaram, BVS Education, Schools

To Know, NorthShore Medical & Aesthetics Center, Angela Young, Angela Cotterill, Joanne Ball-Burgess, Ascendant Group Limited, Alicia Resnik, Lisa Lewis, Sophia Araujo

CONTRIBUTING PHOTOGRAPHERS

Lanka Bull

Bermuda Parent Magazine is published five times a year. Reader correspondence, photo submissions and editorial submissions are welcome. We reserve the right to edit, reject or comment editorially on all material contributed. No portion of this magazine may be reproduced without express written consent of the publisher. The opinions expressed by contributors or writers do not necessarily reflect the opinions of this magazine. Distribution of this product does not constitute an endorsement of the products or services herein.

CONTACT US

info@bermudaparent.bm

Tel: 504-2937

www.bermudaparent.bm

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PHOTO BY JESSII TERRA

CELEBRATE YOUR CHILD’S BIRTHDAY!

Aug 19

A daughter like you is truly a gift from God. I’m so thankful to have you! Happy Birthday Princess. Love Mommy!

Ezra Smith

September 1

Happy 8th Birthday

Anai! Love Mommy, Daddy & Dejhah. Love, Mommy, Daddy, and Yusuf.

August 23

Happy 3rd Birthday Yani-King!! Mommy loves you, and is wishing you many more.

July 28

Happy 1st Birthday! Love Mommy & Daddy and ALL your Brothers & Sisters.

August 9

Happy 1st Birthday beautiful!!! Thank you for the best year of our life...we love you to the moon and back!!! Love Mommy & Daddy. xxx

July 2

Happy 4th Birthday Ibraheem! May Allah bless you this day and always :) Love, Mommy, Daddy, and Yusuf.

August 23

Happy 14th Birthday Day!!!

Love always Godma Kemda, Kwasi, Zharia & Zylah

Happy Birthday to our handsome young man! Endless love from, Mom, Dad and Nate.

September 21

Happy 7th Birthday! With LOVE from Mom, Dad, Kijah, Makaila, Jahstice and Chikira.

July 2

Happy 1st Birthday! Love from Mom, Dad, Sister & Brother & the entire family. We love you!

Elani Somner

Anai Jjombwe

Christina Gibbons

Gi’Yani Knight-Smith

Ibraheem Talbot

Juanaye Davis

Kaliq James

Khai – Jaeé Christopher-Walker

Keisha Grant

birthday wishes!

MiCha Lewis

July 4

Happy 3rd Birthday MiCha! Love Always Mommy, Daddy, Nana Karen, Zion, Zias, Michaela and MiChaele’.

Qiao Lightbourne

August 6

Happy 10th birthday to our loving son. You are our little warrior. We are very proud of you. Love Mom, Dad and Reegan.

July 9

You’re the sweetest 8 yr old ever! Love you to bits.

Shaquille Roberts

July 25

Happy 9th Birthday to Shaquille, Kobe, Lenard, Roberts, have a great day lil man. Love Mom, Dad, Aunts, Uncles, Godparents, & Brother n Sisters.

July 10

Happy 7th Birthday Zias! Love Always Mommy, Uncle Don, Nana Karen, Zion, MiCha, Michaela and MiChaele’.

August 24

Happy 1st Birthday, Love from Mommy and Daddy!

MiChaele’ Lewis

July 19

Happy 1st Birthday MiChaele’! Love Always Mommy, Daddy, Nana Karen, Zion, Zias, Michaela and MiCha.

Ryu Lima

July 4

“Happy 2nd Birthday Ryu! We love you unconditionally and may God bless you now and always. Love, Mommy, Daddy, your baby sibling, and your family from everywhere.

Xoxo

Yusuf Talbot

Sept 24

Happy 2nd birthday Yusuf!

May Allah bless you this day and many more! Love, Mommy, Daddy, and Ibraheem.

Zaynah Evans

July 13

Happy 5th Birthday. Love Mommy and Nana and the whole family!

Ramaya Edwards

Zias Smith

Zinito Lima

Can Transform Your Child

We DELIVER an internationally-recognized, world-class curriculum with small class sizes.

We ENGAGE students with an individualized and student-centered curriculum.

We INCORPORATE the latest technology with core courses and programs.

We CULTIVATE parents as partners in education.

We ENCOURAGE a well-rounded learner. Email:

Purchasing Second-hand Children’s Products

Some children’s products, especially cribs and bassinets have caused deaths and have been the subject of numerous recalls. Check

PHOTO BY LANKA BULL

Give them what they need, NOT what they don’t! NOT what they want!

Never has arti cial avor or articial sweeteners

Toddler sized portions

Designed to develop and advance toddler feeding skills

IMPORTANT NOTICE: The World Health Organization recommends exclusive breastfeeding during the first 6 months of life and continued breastfeeding for as long as possible. As babies grow at di erent paces, health professionals should advise the mother on the appropriate time when her baby should start receiving complementary foods.

BY ROXANNE KIPPS-JACKSON RN BSN MA, MIDWIFE Dept of Health ,Acting Coordinator, Community Health

Breastfeeding

is Natural

World Breastfeeding month was celebrated globally in August. Here in Bermuda we remain committed to educate and support all breastfeeding women and their families on this journey.

This year our theme was “Breastfeeding is Normal”. As a Public Health Nurse and Midwife it is my remit to include the benefits of breastfeeding on our Public Health System.

Our current state of economics and our inability to decrease the number of people suffering from chronic diseases warrants all of us to play a major role. The very beginning of life is the ideal time to get started. We are currently fighting a war against cardiovascular disease, asthma, obesity, diabetes and hypertension. Every year approximately 58 million of the world’s population will die; 35 million or more

than half from chronic disease. Why would you not breast feed to help reduce these startling statistics? Breastfeeding gives every mother and newborn the ability to get off to the best possible start in terms of health benefits and reducing these chronic diseases.

D Breast-fed children are more resistant to disease and infection in early life than formula fed children. The cells, hormones, and antibodies in breast milk protect babies from illness. This protection is unique; formula cannot match the chemical makeup of human breast milk. In fact, among formula-fed babies, ear infections and diarrhea are more common. The colostrum produced in the very early days of breastfeeding is often referred to as “liquid gold”. This milk is very rich in nutrients and antibodies to protect your baby. Although your baby only gets a small amount of colostrum at each feeding, it matches the amount his or her tiny stomach can hold.

D Breastfeeding decreases the chances of “over-feeding your baby”. When a baby is full and content they pull off the breast. Babies who are bottle fed are often given the amount of ounces at each feed the parents feel is necessary, then they are encouraged to drink every ounce, it is too expensive to waste formula ! Bottle feeding tends to encourage overeating which can lead to obesity.

D Premature infants who breastfeed have the benefit of decreasing the risk of developing Necrotizing enterocolitisor (NEC) disease that affects the gastrointestinal tract in preterm infants.

D Some research shows that breastfeeding can also reduce the risk of Type 1 diabetes, childhood leukemia, and atopic dermatitis (a type of skin rash) in babies. Breastfeeding has also been shown to lower the risk of SIDS (sudden infant death syndrome).

D Breast fed children are less likely to contract diseases such as juvenile sclerosis, heart disease and cancer before the age of 15.

D Life can be easier when you breastfeed – Breastfeeding may take a little more effort than formula feeding at first. But it can make life easier once you and your baby settle into a good routine. Plus, when you breastfeed, there are no bottles and nipples to sterilize. You do not have to buy, measure, and mix formula. And there are no bottles to warm in the middle of the night! You can satisfy your baby’s hunger right away when breastfeeding.

D Breastfeeding can save money – Formula and feeding supplies can cost well over $1,500 each year, depending on how much your baby eats. Breastfed babies are sick less often, which can lower health care costs.

These are only a few highlighted benefits of breastfeeding. The impact of breastfeeding will last a lifetime. The long term benefits to mom, baby, community and country will be a reduction on times and monies in treating and curing our chronic diseases of cardiovascular, diabetes, asthma, hypertension and

obesity. The direct benefits to the mom by breastfeeding reduces her risk of

1. Type Two Diabetes

2. Breast cancer

3. Ovarian cancer

4. Postpartum depression

D So how can you play a role in assisting with breastfeeding and decreasing chronic diseases in Bermuda? Encourage those loved ones to breastfeed. Highlight the major benefits to all who breastfeed. Ask your favorite stores in Hamilton to provide breast feeding facilities. Look out for blue signs

“ Breastfeeding Is Welcome Here !”

D Accept that breastfeeding is natural so enjoy the bond it creates between mom and baby. Revel in the thought that you are doing your part in making the best decision for your infant’s start to life.

For further information on Breastfeeding contact:

• Your Health Visitor: Department of health : 292-3095

• La Leche League: 236-1110

• Kemh – Maternity Ward: 239-2016

• Your Pediatrician

References: La Leche League

The American College of Nurse Midwives

Womenshealth.gov

HAPPY MOMENTS

Nursery Preschool&

Spring into Summer and Fall Enrollment at Happy Moments

Nursery & Preschool

Bermuda‘s premier early childhood education center since 1998.

Fill your child’s formative years of schooling each day with explorative learning within small group settings. Whether learning new concepts, painting, going on school outings or playing with friends our school is a place “Where happy children learn for a brighter future”.

Our conscientious teaching staff is certified in ECE, CPR and First Aid. It is our goal as teachers to believe in our students, assist in fulfilling each parent’s aspirations for their child and inspire our students in reaching their full potential.

Accepting Full and Part time Applicants for 2014-2015 school years. Ages 16 month – 5 years old. Located in Hamilton Parish we serve families in the East and Central parishes and beyond.

Our physical sight is sunny, spacious and well ventilated providing ample play areas and green spacious lawns to romp and play.

We have both central heat and air conditioning too.

Hours: 7:30 a.m. – 5:30 p.m. Email:

baby

PHOTO BY LANKA BULL

Parent Resources

• Play-based screenings for 24 – 30 month old children

• Parent and Children’s Book Library

• Toy Library

ALSO AVAILABLE:

• Parent Infant Group

• Premature Infant Programme

PArEntIng wOrkShOPS:

• 1,2,3,4 Parents!

• 1,2,3 Magic

Child Care Provider Workshops

tOPICS AVAILABLE:

• Motor Development

• Developmentally Appropriate Programming

• Bonding: Early Steps to Attachment

• Behaviour Management

• Language Learning

little ones

PHOTO BY TIMELESS TREASURES PHOTOGRAPHY

Moms & Dads: Times are changingTech-Driven Education

Rarely do you hear students describe learning as fun; even less when they are in a classroom. While this may sadly be true, there’s no reason why you can’t make the process more enjoyable, entertaining and challenging at the same time. At A.F Smith we would like to show you how to achieve this.

Digital technologies are increasingly transforming the way we learn, work, live, and play, offering new opportunities, better tailored educational choices, and unprecedented access to services and resources. Social media, online games, multimedia, cloud computing and mobile learning have become a pervasive and necessary part of everyday life.

The iPad has paved the way for educational resources in the form of creative new apps. There have been many interesting studies done about iPads in the classroom and the effects on both students and teachers.

A study centered on an iPad game, Motion Math, has shown that the iPad can help with fundamental math skills. 5th graders who regularly played the game for 20 minutes per day over a five-day period increased their test scores by 15% on average.

iPad technology in the classroom can be a powerful tool for learning and comprehension. The interactivity it provides can make for a very engaging experience, especially for elementary school aged students.

At A.F Smith we see the value in learning and education. We can provide you with the right resources and ONE on ONE support to get you and your child there. Pop by our store and let one of our Apple Experts show you the best options for your child, from the iPad to the apps and accessories for effective learning inside and outside of school.

The teachers are now seeing the value, how about you?

school supplies

Bring this coupon to the store to redeem your free gift with purchase.

Mobile devices are making their way to school; why not leverage the recourses! Up to 51% of students are carrying smart devices to school - iPad’s are the new portal to education.

We have it. Come in and get it all! Learning

Researched, written and approved by a mom for a mom: Sophia Araujo - Marketing & Design Coordinator, A.F. Smith Trading

Toonia Colorbook 1-4 yrs

Toddler app that makes coloring inside the lines simple!

Todo Math 5-8 yrs

Complete curriculum for kindergartens and beyond.

BrainPOP Middle - High school kids

Students can use this app to improve their general knowledge.

Doceri High school kids

An interactive whiteboard, screencasting and desktop mirroring app all in one. Great for students with special needs.

BY SHAVONNE JEFFRIES

TUNING INTO Kids’ TV

Kids’ television programming has come a long way since the days of Teletubies, Power Rangers and Barney. Nowadays, many kids’ shows have educational value while still providing entertaining content.

Popular shows such as “Dora the Explorer” teach children a bit of Spanish while encouraging them to think to solve an age-appropriate mystery while giving a lesson on nature and animals. Another great show is “Jack and the Never Land Pirates,” which helps viewers form beneficial social skills by solving puzzles called “pirate problems” and giving subtle cues to social values and behaviours.

While not everything children watch is going to be educational, it’s nice for parents to have options. Here are a few shows on TV right now that are appropriate for kids.

Bubble Guppies – Bubble Guppies on Nickelodeon takes kids on under water adventures with fish-tailed

characters by blending learning, music, dancing and fun in a variety show format. Each episode follows the Bubble Guppies on their way to school where they find a subject of interest on the way, and they explore the subject from many angles throughout the show. With the help of their teacher

Mr. Grouper, the Bubble Guppies put their thinking and exploring skills into action as they have fun and learn. It’s perfect for preschoolers.

Team Umizoomi – A 2D and 3D animated show from Nickelodeon, Team Umizoomi educates and entertains kids

as mini characters Milli, Geo, and their pal Bot use their super math powers to help children solve problems. In each episode, a real life child calls Team Umizoomi through Bot’s TV in his belly for help with a problem or situation. Team Umizoomi gets right to work, using their mad mathematical skills to help them along the way. Kids have fallen in love with Milli and Geo and math has taken on a whole new meaning. Team Umizoomi is for children ages two to five.

Mickey Mouse Clubhouse – Each episode of Mickey Mouse Clubhouse begins in the clubhouse and introduces children to the story and some type of problem that they must help the characters solve. From there, the story could take kids anywhere – around the clubhouse, into space, to a fairytale setting or some other faraway place. The problem and story introduce kids to problem solving and mathematical skills. Mickey Mouse Clubhouse airs on Disney and is for kids aged three to eight.

Spongebob Squarepants – No, Spongebob isn’t an educational show, but it’s tons of fun for ages six and up. The Nickelodeon show follows a sponge, named SpongeBob, and his friends Patrick, the starfish and Sandy, the ocean dwelling squirrel. The show takes place in an underwater city called Bikini Bottom. It focuses on the many misadventures of SpongeBob SquarePants and his friends, with work, play and home life. Spongebob SquarePants is a fun kids’ show that does not rely on over stimulation to hold the audience.

Big Time Rush

– Big Time Rush on Nickelodeon follows four teenage boys who gave up their lives as hockey players in Minnesota to become a Hollywood boy band. The show tries to illustrate the challenges that the boys face as part of their rise to success. It centers on their trials as a new boy band and what to it takes to make it big. This show is for ages eight and up.

Sam and Cat – A big favourite for the tween market since it premiered last summer is Sam and Cat, a crossover spin-off/sequel of both iCarly and Victorious. It features Sam Puckett and Cat Valentine who meet by chance during a crazy adventure and become roommates. They then start a babysitting business to earn extra money, which leads to a series of comical adventures. It has big laughs and with off-the-wall adventures. Sam and Cat airs on Nickelodeon.

Phineas and Ferb – Phineas and Ferb on Disney follows the two stepbrothers through their crazy sum mer adventures. The boys are highly creative, building over the top inventions to fuel their antics. Their sister, Candace, always tries to get them caught, but never seems to be able to. Phineas and Ferb’s pet platypus, Perry, is a secret agent who continuously fights to ruin the plans of the evil Dr. Heinz Doofenshmirtz, unbekownst to the stepbrothers. This show is for ages five and up. All of these shows provide fun, age-appropriate content for your children. And parents can rest easy knowing that they are most likely learning a thing or two.

Shavonne Jeffries joined Bermuda CableVision in 1991. She currently holds the position of Customer Service Manager. www.cablevision.bm.

Help them get ahead!

financial security to chance.

You are married

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You are a single parent

You are a stay-at-home parent

You have grown children

You are retired

You are a small business owner

You are a home owner

You are single but supporting aged parents

Ask for a quote. CALL 293-5433 or visit www.cgigroup.com

September is Life Insurance Awareness Month

COLONIAL LIFE ASSURANCE CO. LTD. Jardine House, 33-35 Reid Street, Hamilton HM 12 Tel. 293-5433 www.cgigroup.cpm

A member of Colonial Group International: insurance, health, pensions, life

Movie Birthday Parties

Birthday Package includes:

• Theatre exclusivity to your party so you can better enjoy the movie. Watch one of the movies currently showing at the theatre or bring your own, we do the rest.

• Popcorn, Candy and Drinks (fountain soda) for children and small popcorn and small drink for adults.

• Free refills during the movie and cake time.

• No charge for children under 3 years. For every 10 children, free admission for 1 adult.

• Use the theatre for up to 30 minutes after the movie for cake and candies. All you supply is the cake or have it made by our own pastry chef. We do the clean up.

Note: For parties booked on a Sunday or Holidays there is an additional charge of $100 Pizza Trays are available as well as other Finger Foods.

Times and Prices:

• Parties are booked daily between 9am and 2pm (Party has to be completed by 2pm)

• A $100 deposit is due at booking. If you must cancel due to illness or weather, the deposit may be used to reschedule. Balance due at end of party.

• 3D parties $285.00 for the first 10 children, $14 each additional child and $14 each additional adult.

• 2D/DVD parties $265.00 for the first 10 children, $12 each additional child and $12 each additional adult

Spaces Available for Infants to 5 year-olds “Every Child is Special” C. Nicole

Renfroe, Director

Do

Trusted

|

Would you be ready for an Emergency or crisis in your community?

Do you have a family plan?

Do you have a fully stocked first aid kit?

Are you CPR/First Aid trained?

Are you interested in learning more about preparedness and response?

Would you consider being a preparedness or response volunteer?

Charleswood, 9 Berry Hill Road Paget, DV 03

T 236-8253, F 441 236 8267 redcrossdisaster@logic.bm www.bermudaredcross.com

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Darkness to Light Stewards of Children Training

Monthly training session:

September 13th, October 18th

November 15th, December 13th

To register email: training@scars.bm

SCARS can bring the training to your organization or home

big kids

PHOTO BY TIMELESS TREASURES PHOTOGRAPHY

big kids

BY JOANNE BALL-BURGESS M.ED Author of “The Lizard and the Rock”

Art-Infused Learning

Preparing the Next Generation

The global world as we know it no longer desires employees who are simply able to recite information and follow orders. Gone are the days where the majority of jobs available were repetitive, single-tasks that individuals had to perform to keep the assembly lines going. Nowadays employers are searching for individuals who can synthesize information, apply it to the specific challenge and devise creative solutions to revolutionize the world as we know it. Students who are graduating from school this year will not be able to succeed in today’s world by merely displaying their knack for route knowledge.

The leaders of the twenty-first century must be the ones who are skilled at using strategy, application, critical analysis and creative thought patterns. These skill levels go beyond having the ability to take a test or recite a piece of literature.

The more that a student is exposed to and surrounded by the arts in a given week the more skilled they will be at executing creative thought patterns towards academic and overall success. Children who become aware of the way that they learn and are supported through school in this means develop a higher rate of self-perception than their student counterparts. By fusing the arts with learning, the classroom becomes a place where the whole child is developed. Art-infused classrooms change our perception of the traditional, sterile desks, blackboards and worksheets and propel us towards a learning centre of unending learning possibilities.

If society’s needs have changed in this regard, why is it that the majority of our local schools still regard learning as recitation and the ability to follow orders exclusively?Even the most expensive schools in Kenya provide only a smattering of critical thinking and creative exercises in the classroom. It seems that from the local village schools to the most prestigious schools a learning revolution is needed. While society is looking for creative thinkers, the majority of our school curriculums are geared towards producing ketchup bottlers.

The Case for Creative Learning

John Dewey, an American philosopher and educator called for the reform of the school system as we know it. He spoke of classrooms where children would be allowed to move freely and learn creatively as “democratic education” (1938). When one reads his description of primary and secondary education one gets the feeling that he is speaking of reforming the education system today. The reason why is because not much has changed in the classroom since that time period.

The solution to this problem lies in allowing for more creative and critical thinking experiences in the classroom. Colours and rhythm can be combined with memory activities. Logic and skill should be applied to innovative lesson plans that prepare our students for the twenty-first century. Mathematics can be game-orientated and dynamic, students

“The traditional classroom does not cater to this development of creativity in students”

— John Dewey, American philosopher and educator 1938

can ‘do’ Social Studies in class rather than simply memorize timelines. Science should be experiential from kindergarten onward and involve all of the senses. Overall, all of the subjects can crossover nicely with the arts and languages.

My Early Experience with Creative Education

I remember my early teaching days when I was asked to be a tutor for one student. I was warned before the start of class that this student was bad, couldn’t keep still and never concentrated on his work. When he arrived and I was introducing myself to him I noticed that his brown eyes darted back

and forth while his body continually swayed in a rhythmic sort of motion. The teacher quickly grabbed his arm motioning him to stand to attention. As I introduced myself to him I asked, “Are you a dancer by any chance?”The little boy’s eyes lit up and as he told me that he was a traditional dancer and practiced 3-4 times per week. From my studies I was learning that the arts could be used as a successful and enjoyable teaching tool for students in reading specifically and many other school subjects across various levels. So for that class period we used rhythm and feet motions to guide this student towards a better understanding of literacy. He wasn’t bad or unable to concentrate. He was a kinesthetic learner and sadly the neatly arranged desks and quiet classroom were not able to support his learning needs.

A Unique Education

Perhaps there are many students like him who are labeled as ‘bad,’‘overly energetic’ or problem students. These children, like all children have a unique potential that can be supported through creative learning. Perhaps in this way, Dewey’s words will not be lost and the needs of the twenty-first century will be met. There is a positive relationship between children’s involvement in the arts and their ability to liberate themselves towards being successful citizens in the classroom and the community. By providing our children with the opportunity to experience learning with all of their senses we are in fact allowing many types of learners a better chance at succeeding.

PHOTO BY SACHA BLACKBURNE

BY DR SAJNI TOLARAM, Bermuda College

A Habitat for Learning BUEI:

BUEI welcomes children and families to its facilities for a range of activities including birthday parties, camps, tours, school field trips, story-time, and a range of educational programs. BUEI is sensory rich for active minds and growing bodies. It is also an attractive venue for its eyecatching exhibits. And, it is centrally located with good parking facilities.

BUEI hosts birthday parties for children up to age 7. There is a choice of theme: a pirate party or a luau which includes a decorated room, plates and napkins, free admission to the exhibits, unlimited carousel rides, games and activities, and party food: pizza or finger sandwiches, juice boxes and bottled water. Set-up and clean-up are included in the party package!

THEMED PIRATE AND LUAU PACKAGES

The educational camps at BUEI are sensational, while the website, www.buei.org, lists the full offering for 2014, consider some of the following information as a gauge. The activities are hands-on; there are experiments and specimens, interactive computer learning, scavenger hunts, arts and crafts, play-acting, and competitions.

Camp participants engage in various learning skills that involve literacy and numeracy, knowledge building, and motivational dynamics. While the camps are largely scientific, participants learn about Bermuda’s role in the respective topics. The camps are conducted in BUEI’s labs, lobbies, and classrooms while incorporating the exhibits.

For example, “Dabble in Seashells” camp features the world of mollusks using the Jack Lightbourn Shell Room. Participants learn how to classify them while engaging with identifying specimens and conservation. “Dabble in the Deep” includes Bermuda’s bioluminescence, fluorescence, and creatures of the deep sea.

There are camps for children to engage in the world of sharks and whales that consider such aspects as their characteristics, behavior, and reproduction—while also looking at their relationship to mankind. Of further note, some of the camps focus on dissection and marine-related disasters. All camps are inter-active. While they are educational, they are also inspirational.

The Education Programs are central to BUEI’s purpose. For example, as of April 1st, 2014, the Lionfish and

Invasive Species Exhibit has provided 3,124 school children with a guided tour (the tours are free). BUEI also offers hands on experience for teachers to extend to their students—and, to incorporate the activities that embrace geology, biology, weather, and other subjects.

Education at BUEI also connects with community events to raise environmental awareness such as World Oceans Day and hosting Philippe Cousteau for Blue Halo. There is also a long-standing Government After School Program. The sciences are advanced through this institute that also emphasizes the important role of members of the community.

BUEI also provides tours and school field trips by arrangement. Such tours could connect with the school curricu lum. Students may also be encouraged to work on proj ects whereby the resources of the facility may feature.

can also be stimulated at Story-time where little ones, aged 1 – 4, can participate in music and sing-along. Students from Warwick Academy’s IB program volunteer

human body — young or old, laughing or crying, kissing or hugging, singing or dancing — is about 60% water.

So if we’re looking after 60% of you, all you have to do is love, laugh, kiss, cry, dance, sing and hug with your other 40%.

ClearWater Systems has been Bermuda’s most trusted source for clean and crystal clear drinking water technologies since 1997.

to read to the toddlers every Tuesday morning.

If your family is not already a

namic programs at BUEI. It is also exciting to know that membership extends beyond the shore of Bermuda to include free or reduced admission to over 300 science centers and museums in Canada, the United States, To arrange for any of the above activities (and more, as listed on the website, www. buei.org), or to arrange for membership, kindly email info@buei.org or phone (441) 292-7219.

W e r e c o g n i s e t h e v a l u e o f s u p p o r t i n g B e r m u d a ’s y o u n g p e o p l e B E L C O ’s i n t e r a c t i o n w i t h s t u d e n t s s t a r t s w i t h v i s i t s b y K i t e S a f e t y M a n a n d B E L C O B i r d i n P 1 a n d c o n t i n u e s i n t o m i d d l e , h i g h a n d p o s t s e c o n d a r y s c h o o l t h r o u g h m e n t o r i n g , c a m p , w o r k p l a c e m e n t , s u m m e r s t u d e n t i n t e r n s h i p , a p p r e n t i c e s h i p a n d s c h o l a r s h i p o p p o r t u n i t i e s . W e e m p h a s i s e s c i e n c e , t e c h n o l o g y , e n g i n e e r i n g a n d m a t h e m a t i c s ( S T E M ) , e n c o u r a g i n g t h e y o u n g s t e w a r d s o f B e r m u d a ’ s f u t u r e t o t a k e r e s p o n s i b i l i t y f o r a d d r e s s i n g c r i t i c a l p r o b l e m s t h a t a f f e c t t h e I s l a n d a n d t h e E a r t h . F o r i n f o r m a t i o n , v i s i t w w w . b e l c o . b m o r c o n t a c t u s a t i n f o @ b e l c o . b m

STEM Education: Encourages Critical Thinking

The Ascendant Group Limited held its second STEM Summer Camp (2014) for middleschool students, ages 12-15, with interest in and proven aptitude for STEM – science, technology, engineering and mathematics. There are three weeks of STEM Camp, each offering a different level of instruction. Ascendant Group’s operating companies have many jobs that require STEM skills. The operating companies are Bermuda Electric Light Company Limited (BELCO), Air Care, Bermuda Gas, facilities management company iFM Limited, engineering consulting company iEPC Limited, PureNERGY Renewables and Ascendant Properties. The STEM-related jobs include trades and technical positions, such as electrical or mechanical fitters and HVAC technicians,

as well as IT and accounting professionals, environmental specialists and draughts people and engineers.

STEM Camp is conducted by a Bermudian teacher with support from engineers from BELCO and iEPC, as well as Ascendant Group’s Human Resources department. Students enrolled in the camp develop challenging robotics and related HTML design projects. The objective of the camp is to help students develop STEM confidence and competence, as they are encouraged to think about solving critical problems for the Island and the Earth. Middle-school students have been invited to participate, as they are just beginning to consider what their career paths will be. Camp organizers hope to encourage boys and girls to consider careers in fields that require problem-solving and technical expertise.

In addition, Ascendant Group hopes to encourage greater focus on STEM education in Bermuda, helping the Island to develop a deeper pool of educated, qualified professionals to support industries that have their businesses based in Bermuda. Toward that end, while developing the camp, Ascendant Group has been working with the Bermuda National Library, Youth Library to conduct workshops for their summer programme. The

Youth Library and Ascendant Group hope to form a STEM Club or find other ways of encouraging STEM education. Bermuda, like other countries, continues to see growing demand for professionals in scientific, engineering, accounting-related and technical fields and needs to ensure that young women and men are prepared and qualified to contribute to the Island’s progress.

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A Helping Hand Can Make A Difference!

For generations many Bermuda families have chosen to send their children to school in Britain. Prestige, outstanding educational opportunities, internationally recognised qualifications and the comparative competitiveness of fees means that this trend has grown considerably in the last ten years. However, with over 2500 independent UK schools from which to choose, the process of selecting the right one for your children can be something of a minefield, especially for parents new to the world of independent education.

Niall Browne, of BvS Education, a seasoned former independent school and Bermuda teacher, offers some pointers:

1. Find the right school for your child

It is vital to find the school in which your child will be

happy and will thrive. Friends and acquaintances may offer school suggestions based on their own children’s success (or otherwise!) but, just because this school was right for their child, there is no guarantee that it will be right for yours. Choose a school based on your child’s talents, interests and needs, even if this is wildly different to that chosen by others. Unless your child is happy and comfortable at their new school, they won’t perform well in the classroom or the Rugby pitch.

2. Don’t be a slave to League Tables

League Tables, inspections reports and reputation only tell a very small part of the story and are often flawed. Only by visiting a school will you be able to see whether or not it measures up academically, if its facilities appeal to your child and the staff and pupils are warm and engaging. Just like buying a house: you either like the décor and feel of a house as a future home, or you don’t – regardless of how wonderful the market thinks it is or isn’t.

3. Time & Preparation

The world of independent education is as competitive as any walk of life and many schools fill their places several years in advance of entry. Therefore, give yourself plenty of time – time to choose the right school, time to visit, time for your child to be prepared for the entrance exams and for the transition to boarding school. Parents often underestimate how much time should be given to these things but at least one or two years in advance is the best time to begin the process. If you are still undecided about whether to send your child to school in the UK, go through the process – you do not have to commit to anything at the exploratory stages.

4. Getting help

There are many people who can advise you about UK independent schools, and it is worth seeking guidance – this is, after all, one of the most important decisions you will make for your child. However, it is important to choose a consultant who really knows the full range of British independent schools and the

complicated procedures involved in admission to them. Find an expert rather than a gifted amateur.

5. Enjoy the process

You will potentially be visiting some of the finest schools in the world and giving your child untold opportunities and experiences – in fact you may actually wish you were going in their place!

tweens & teens

PHOTO BY LANKA BULL

The Emotional Impact ACNE:

More than 85% of all people experience acne at some point in their lives, according to the American Dermatology Association. According to the ADA, acne is the most common skin disorder and affects 40-50 million Americans and more than 40 percent of adolescents having acne or acne scarring that

requires treatment by a dermatologist. Acne scars not only require the attention of physicians, but are also proven to have psychological and social implications. According to an independent study, 71 percent of those surveyed feel that their scars from acne negatively affect their self-confidence. To combat the self-image issues that acne scars leave with patients, Northshore Medical & Aesthetics Center are committed to raising awareness and give hope to patients via educating them on the various treatment modalities available.

The unfavorable influence acne scars have on a person’s self-esteem and self-confidence is a concerning social issue that cannot be ignored. Acne scars are without a doubt a skin condition that can have long lasting physical, emotional and psychological effect on individuals. The overwhelming majority of patients I see are emotional scared and even depressed as a result of their condition, says Dr. Brown, GP; with Special Interest in Dermatology and Medical Director of the Northshore Medical & Aesthetics Center.

As an acne suffer myself, I want to give hope to patients and to inform them that effective treatments for the management of this condition do exist, continues Dr. Brown.

We encourage all who are negatively impacted by acne scars to recognize Acne Awareness Month by educating themselves on tips for making a positive change in how they feel about their situation, as well as seeking treatment.

To help patients build positive selfesteem and address the emotional impact associated with acne scarring, below are some tips taken from the National Association for Self-Esteem:

n Acknowledge your potential and value who you are

In order to inspire self-confidence and create a healthier self-image, you need to first respect and value yourself and

acknowledge your full potential and capability. Taking appropriate action to respect yourself, while understanding your worth, leads to happiness and an overall better attitude. Because the mind is a powerful tool and our thoughts undeniably affect our words and actions, fighting the emotional scars of acne can be difficult, but can start by simply changing the way you think about it.

n Seek treatment and know your options

The burden of acne scars is significant and can sometimes seem impossible to overcome, but know that you have options. Consult with a dermatologist and get educated on available treatments, while also seeking an overall healthier lifestyle. Living a healthy life, combined with the right treatments, are steps in the right direction for achieving the face of confidence you’ve always wanted.

n Consider therapy

Psychotherapy can make a critical impact in helping a patient cope with, and feel positive about, a difficult situation. Alleviating psychological distress through talking with a qualified physician may assist with how you view the negative aspects of your acne scars.

WARWICK LAN ES

Sundays 2pm - 11pm

Tel: 236-5290

BY ANGELA COTTERILL, THE HSBC GROUP

Parents’ Expectations For Success family finances

Parents increasingly expect a good return on investment from sending their child to university according to a new report from HSBC, The Value of Education: Springboard for success. The report, which surveyed over 4,500 parents in 15 countries, found that parents expect a university education to prepare their child for a successful career.

Globally, more than two in five parents (43%) say the ability to compete in the workplace is a key expectation of a good university education. This is most important to parents in Mexico (57%) and Malaysia (52%), while income-earning potential tops the list of requirements from parents in India (41%).

More than a third (37%) of parents believe that university degrees should contribute to income earning potential in adult life, and a similar proportion believe that university should provide vocational or professional training (34%) and access to opportunities in life (34%). More specifically, parents in Australia (43%), Turkey (43%) and France (33%) believe vocational or professional training is the top requirement of a good university education.

Parents around the world are united in having high aspirations for their children when it comes to education. Nearly nine in 10 (89%) parents want their children to go to university and 62% want their child to go on to study at a postgraduate level - Malaysia (91%), Turkey (86%), Brazil (84%) and India (83%).

Education is an Investment for the Future

Globally, more than half (58%) of parents believe that paying for a child’s education is the best investment you can make. This belief is most strongly held in Brazil (79%) and China (77%).

Education is considered a top priority for parents all around the world. When deciding how they would allocate money to support their children financially in life, parents put education first, ideally setting aside 42% of their funds for the purpose of their child’s education. Parents in Canada would allocate the most money towards their child’s education (54%), while parents in the UK would allocate the least (24%).

While parents have high expectations of what education should provide, many feel anxious when planning their child’s education - more than a third (38%) say they find making decisions about their child’s education daunting and just over half (51%) wish they had started to plan and save earlier for their child’s education.

Simon Williams, Group Head of Wealth Management, HSBC, commented:

“It is clear from the research that parents around the world still believe that a good education can improve children’s opportunities and prospects in an increasingly globalised and competitive world”.

“Yet parents are also aware that all of this can be put at risk by a failure to prepare adequately. There are choices to be made and often some financial implications to these choices. These decisions weigh heavily on parents, and many regret not starting their planning sooner. It is never too early to start investing and saving for your child’s education.”

Blake Hellam, Head of Retail Banking and Wealth Management, HSBC Bermuda commented:

“The information provided in this research only further underlines the importance of starting today, to plan appropriately for our childrens’ futures.

Bermuda High School Helps Girls Find Their Inner Voice

Q : Tell us about Bermuda High School for Girls and its Philosophy.

A: Currently celebrating its 120th year, The Bermuda High School is an all-girls school in the Primary and Secondary Departments (Years 1-11) and co-educational for the final two years (Years 12 & 13), which follow the IB curriculum and result in the award of the IB Diploma or certificate.

The BHS experience offers inspiration by promoting intellectual curiosity, and both creative and critical thinking, while encouraging communication and collaboration. We aim to make each student successful in their own right. We acknowledge that students excel at many different levels, in a wide variety of areas and our programme enables students to reach their full individual potential, within the highest international standards (IGCSE and IB). We develop leaders by cultivating reflective, resourceful students, ready to take calculated risks as well as responsibility – for their own lives and for enriching the lives of others. In short, BHS focuses on developing a successful and balanced learner – all in a safe, nurturing and supportive environment.

By Jennifer Burland-Adams Director of Advancement

Q: Do you see an advantage for parents and child(ren) to attend a single sex school? If so what are they?

A: At BHS girls take centre stage. For 120 years, the school has focused on educating girls in a tradition of excellence. Today, in that tradition, we continue to challenge out students to become skilled, confident, compassionate young women. Strong female role models, reduced societal stereotyping in the classroom and learning opportunities that encourage students to pursue their interests, all help to create an inspirational learning environment where girls develop the skills and confidence to excel and lead.

Q : Are there girls that should not attend an allgirls school?

A: Some parents — and educators — think that all-girls’ schools create a falsely safe space, removing a girl from the influences of the opposite sex. They worry that this unrealistic environment, may render her ill-prepared for co-ed life. At BHS, we disagree. Each student’s world will continue to include boys and men — in extra-curricular activities, at home, on weekends and holidays. And, finding her voice, collaborating on projects and excelling in academics will prepare her for a purposeful life.

Q: What qualities are able to be developed by a girl attending an all-girls school?

A: In a single-sex school, a girl can comprehend her value and her capabilities in ways that have nothing to do with how she looks or whom she dates. She can be free to experiment and explore, trying out new things and trying on new roles. She can follow her ambitions without wasting a second thought or a backward glance on how her male counterparts might perceive her. We find our graduates are open-minded, aspirational, reflective, compassionate, resourceful and able to take calculated risks.

Q : When should parents consider an all-girls school for their daughter?

A: Girls’ schools create a culture of achievement in which academic progress is of great importance, and the discovery and development of a girls’ individual potential is paramount. By subtracting boys an all-girls’ education adds opportunities. At a girls’ school, a girl occupies every role: every part in the play, every leadership position on the student executive, every position on every team. Not only does she have a wealth of avenues for self-exploration and development; she has a wealth of peer role models.

By Angela Young BA MSc

Managing the Tween

Scattered

For the average person, it may seem that I’m speaking a foreign language, but for those of us who are dealing with a teen who fits the following description:

• Loses handouts

• Misses assignments

• Unable to find or locate belongings

Frequently asks for rides back to campus because they forgot their text book …then, we are in the “know”. So, let me share my story:

Our first year in middle school was full of challenges—all of which centered on disorganization or as commonly referred to by psychologists as poor executive skills. (I’ll explain that later.)

From the missed assignments and frequent detentions to the weekly evening drives back to school to find some exercise book, I thought I was going to lose my mind while my patience levels were running on fumes! But, I kept telling myself: “Hey, transitioning from elementary school to middle school is not easy.

After all, these middle school students were tossed into a new system: the “day” cycle as well as a rigorous academic format.”

While other students seemed to find their rhythm with

ease, my sweetie was drowning—and I saw it. And, it is because I saw first-hand what goes on with a tween who has poor executive skills that I knew I had to develop a plan of action for the new academic year! Let me jump in now and explain that Executive Functioning is simply our ability to plan, prioritize (time management) and organize ourselves into action in order to achieve our desired goals. Research shows that as we develop from birth, our brain cells develop these skills as we grow up. However, sometimes these skills are not developed—and then, some of our young people simply need to be taught these skill sets. As the psychologists and authors of Smart but Scattered Teens so eloquently explained: “Teenagers who practice executive skills are not only learning self-management and independence, but in the process are also developing brain structures that will support their executive skills into later adolescence and adulthood.”

In other words, the same skills our kids use to com-

plete a class project at age 15, will be the same skill sets they will rely on or use when applying for a home equity loan at 35!

With this knowledge, I quickly armed myself with research and studied the topic extensively over the summer as I am neither an educator nor a neuropsychologist. Instead, I am a mom who loves her daughter more than life itself and will go to great lengths to equip her with whatever she needs to survive in this world.

And, this is how Kids in Control Systems (KICSTM) by iAspirationsTM Limited was born! This company was birthed as a labour of love. I have revolutionized how binders are used and created systems to help tweens and teens survive their middle and high school years—inside and outside of the classroom! Students with weak executive skills need structure, patience and love. Moms and Dads, these three components play a critical role in your child’s development as they matriculate through academia.

Often times, I tell my clients that there are no quick fixes and instead, they must engage their son and daughter—and listen. I can honestly say it has helped me tremendously. As parents, we are our children’s first teachers and thus, we must advocate on their behalf to inspire them to aspire for greatness!

Angela N. Young, BA, MS, is the Founder and President of iAspirationsTM Limited. To learn more about the KICSTM products and services, please contact Ms. Angela Young at 599-KICS or kicssystems.com.

The Onionpatch Academy

KeepingYourOptionsOpen... Explore the International Schools Fair

There is no doubt that the image of boarding schools has changed immeasurably; the transformation from the brutality and coldness of Dickens’ Dotheboys Hall to the spellbinding excitement of Hogwarts has been both evolutionary and revolutionary. However, the changes in perception and the reality are not works of fiction; boarding schools in Britain and North America are flourishing and should be

By BVS Education & Schools to Know

1

a real consideration for families thinking about the future schooling of their children. But what makes a boarding school education special?

FIRST RATE EDUCATION

The reputation of leading schools in the UK and USA is not just a label of prestige from the past; the academic, sporting and social success of these schools is in the present and the future. Academic excellence, their successes in international exams and their students winning places at Ivy League and Russell Group universities speak for themselves. Teenagers are given the structured independence they need to thrive.

2

ALL-ROUND EDUCATION

Boarding schools are concerned with much more than academic prowess; pupils exceeding their potential in the classroom is paramount, of course, but the ability to be involved in whichever sporting, creative or intellectual pursuit that stimulates a child, is of huge importance too.

All these things are on the student’s doorstep; schools are extremely busy places where children are seldom bored or lonely and, rather charmingly, it is still seen to be cool to do something rather than nothing. As the young actor, Henry Cavill, recalled, ‘At boarding school there wasn’t much time for much of anything except education’ –education in the widest sense.

3

SUPPORT

Success is achieved through sound teaching and individual care and attention. Staff at boarding schools are with their students twenty-four hours a day and are there to ensure that every child is happy and performing well at all times, and can address problems swiftly. Boarding schools are well-equipped and qualified to support most learning requirements and a wide range of schools offer specialist Additional Support for learning and emotional needs.

4

FACILITIES

Boarding schools have some outstanding facilities and offer beautiful spaces in which youngsters can grow and develop. Academic and sporting facilities can be state of the art, and boarding houses are often not far shy of a

of boarding but I definitely wouldn’t say that at all; it’s a great experience for everybody and everyone is willing you to do well.’

What their parents say:

‘Just go to the school, meet the staff, meet the pupils and I think they’ll make up your mind for you.’

The International Schools Fair will take place on 24th & 25th September, in the Fairmont Southampton Princess, offering Bermuda parents the opportunity to meet 70 schools from the UK and USA.

reasonable hotel, as befits the place where our children live and learn.

FRIENDS

Whilst boarding school pupils can no longer rely on the ‘old school tie’ to garner success in later life, a boarding education exposes youngsters to a huge array of people – some they will become life-long friends with, others they will get to know well, but they will probably know these people better than they know anyone else in their lives. The ability to live and work with such a huge number of people is what gives boarding school students the confidence and maturity to excel in their future worlds. Exposure to the wider world and internationalism also helps prepare students for the 21st Century world of business.

FINANCE

For more information please contact niall@bvs-education.com or tory@schoolstoknow.com 5 6

Boarding school fees can seem eye-wateringly expensive – fees can be as high as £32,000 or $59,000 a year. However, boarding schools are working increasingly hard to ensure that they are not ‘elitist’ and seek to attract the students who will most benefit from all the school has to offer. It is always worth asking about Bursary and Scholarship assistance.

What boarding school students say:

‘A lot of people seem fearful of the idea

By Alicia Resnik

PHOTOS BY LANKA BULL

“Hai!”

“Competitions have taught me a lot. I’ve seen the level of martial arts outside of Bermuda. It helped me improve my skills greatly,” says Jasmyn Renfroe. At 18 years old, Jasmyn not only has a black belt in Shotokan Karate, she was Valedictorian of her graduating class.

Jasmyn began studying karate when she was 12 years old, at the Bermuda Shotokan Karate Do. “My older brother was doing it for about a year and then my little brother joined so my parents said I may as well try it out too.” Jasmyn trains with Sensei Princeton Bailey and Sensei Jerry Bailey. Jasmyn did so well at the sport she skipped a belt. “I skipped the purple belt or I’d have been at the same rank as my little brother.” At 16 Jasmyn won her first title - Black Belt Women’s Grand Champion Tournament in forms and weapons. She was competing as a brown belt in a division that was above both her age and range.

In 2013 Jasmyn competed in the black belt division at the World Cup Open Martial Arts Championship in Virginia. She placed 1st in weapons and 2nd in form. In 2014 she competed again in this championship – winning 2nd place in weapons and 3rd place in form. In 2014 Jasmyn won the Outstanding Teen Award in the female sports category.

Jasmyn did so well at the sport she skipped a belt.

This past June, she competed as a black belt at the 14th Annual Lepercq Memorial Tournament. She won the Black Belt Women’s Grand Champion Tournament title in Form’s and Weapons.

Jasmyn was awarded a $1000 scholarship from the Bermuda Karate Organization – presented by Sensei Skipper Ingham and Sensei Kristina Ingham. “Sensei Skipper Ingham and Sensei Kristina Ingham sponsor me when I go away to compete and I’m very grateful to the Bermuda Karate Organization for giving me that opportunity.”

In addition to karate, Jasmyn is on the Under 21 Bermuda Netball Team. She was the Captain of her school’s basketball and netball teams. Jasmyn’s also a gymnast. This summer she taught for the Bermuda Gymnastic Association. Jasmyn volunteers as a Youth Net Mentor at Northlands Primary School, assists at the annual “Capital G Iron Kids Triathlon” and helps the Bermuda Netball Association.

Jasmyn has always been active. “I’ve been doing a lot of activities since primary school and have actually cut back!”

In June Jasmyn graduated from Berkeley Institute with a grade point average of 3.93 and triple honors. In addition to being Valedictorian, she was Deputy Head Girl. This August Jasmyn traveled to Costa Rica on a full Scholarship to attend the United World College. She’s studying for her International Baccalaureate (I.B.) degree.

Jasmyn appreciates all the opportunities she’s had. “I’d like to thank the Bermuda Karate Institute - Sensei Skipper Ingham and Sensei Kristina Ingham and the Bermuda Karate Organization for providing me with the opportunities to compete in their tournaments and for their support. I also want to thank my teachers for their support - Chief Instructor Sensei Princeton Bailey, Sensei Jerry Bailey and Sensei Raymond Packwood of the Bermuda Shotokan Karate Do.”

By Alicia Resnik

“EN GARDE!”

“It was definitely a challenging experience,” says Jakob Resnik about his first time participating in a world fencing competition.

Jakob, a student at Saltus Grammar School, traveled to Plovdiv Bulgaria to take part in the 2014 World Cadet and Junior Fencing Championship. The International Fencing Federation (FIE) sponsors the World Championship each year. This year’s event saw eighty nations taking part with over 1200 athletes from around the world.

“The competition was overwhelming and fierce,” says Jakob. At 13, he was the youngest athlete in the event which is limited to fencers under the age of 20. In his pool of seven fencers, Jakob faced opponents from Algeria, Hong

Kong, Spain, Kuwait, Poland and the Ukraine. “I learned what it means to be competitive. The kids I met train and compete all the time. I met guys from Australia who traveled 40 hours to get to Bulgaria. They’d competed in Hong Kong the weekend before.”

Jakob, who fences with a Sabre sword, began the sport when he was 9 years old. His interest in fencing started after seeing the movie “The Three Musketeers.” Wanting to try fencing, Jakob joined the Bermuda Blades Fencing Club, taking lessons with Mr. David Semos, Vice President of the Bermuda Fencing Association.

Competing in the 2014 World Cadet and Junior Fencing Championship was an eye opener for Jakob. Not only was it his first time representing Bermuda, it was also his first time attending

PHOTOS BY LANKA BULL

a competition. “The other fencers are extremely serious about the sport. I felt like I didn’t come anywhere near their dedication. But it’s encouraged me to keep training and competing,” he said.

As part of the three week competition, Jakob was fortunate to participate in an intensive week of training preparation. In this program he was joined by sixty other athletes. “I met kids from Algiers, Slovenia, Brazil, Ireland, Finland, Thailand, South Africa, Saudi Arabia, Australia – it was incredible. My roommate was from Belarus - he didn’t speak any English.”

During the training sessions, Jakob says he focused on footwork, speed and agility. He was fortunate to have Dr. Gennady Tyshler as his coach. Dr. Tyshler, who is originally from Russia, owns the Tyshler Fencing School in South Africa. He’s coached former World and Olympic champions. During the training program Jakob also sparred with teams from Bulgaria and Saudi Arabia. “The Saudi Arabian guys

were nice but tough. They used me like a punching bag!”

Jakob, who traveled to Bulgaria with his family, says the trip was not all fencing. During his free time he toured many of the historical sites in the city of Plovdiv, being most impressed with the ruins of a Roman Amphitheatre.

Jakob returned this summer to train at the Massachusetts Institute of Technology (MIT). “This is my second time fencing at MIT. They call me Bermuda! We practically train non-stop from 9am to 5pm. It’s tough but fun.” Jakob says he intends to keep fencing and hopes to have the opportunity to represent Bermuda again at the 2015 World Championship.

The Bermuda Blade Fencers meet Wednesday evenings from 7:30-8:3pm, St. Paul’s Church, Middle Road in Paget. All levels are welcome. The cost is $10. No equipment is needed. For further information contact David Semos at info@bermudafencing. com or Travis Stevens at tstevens@kpmg.bm

BY LISA LEWIS

LIFE INSURANCE: hated or loved?

Perhaps the most overlooked and misunderstood personal risk management tool, life insurance provides you and your family liquidity at a time when they probably need it the most. Not convinced? Read on for some myth-busting answers to some popular misconceptions.

Ioften liken life insurance to Marmite – people either believe in it (read: love it) or dismiss it as a waste of money (hate it). If you’re not sure what I’m talking about, just type “Marmite” into YouTube.

This gap in attitude is down to a number of things including its intangibility (you are buying a promise to pay) and our brains inability to truly focus on future long-term events (see my previous article in the last issue of Bermuda Parent magazine: Paychecks and Playchecks). Competing financial priorities including everyday expenses and saving for retirement can also get in the way. And let’s face it, who wants to discuss their own mortality?!

But the biggest barriers I have found to buying personal life insurance are based on misconceptions, all of which I’ve heard and would like to dispel in the hopes of converting ‘haters’ into ‘lovers’.

Myth #1

I don’t need life insurance; I’m covered through my company.

Many companies in Bermuda generously provide group life insurance as part of their benefits package. The standard is anywhere between one and four times your salary. A great benefit, but what value does it really provide? If and when you leave, the coverage will

end, and there’s no guarantee you’ll receive the same benefit at the next company. In addition, depending on your current liabilities (mortgage, income replacement, educational savings), a multiple of your salary may prove insufficient. In short, it doesn’t offer the same control, portability or flexibility that personal life insurance does.

Myth #2

It’s too expensive.

Rates are based on age, gender as well as health. Let me introduce Valerie. She’s a 35 year old non-smoker, married with two young children. She owns

a house with a $750,000 mortgage. Bar any medical issues that might surface following her medical exam, if she were to purchase life insurance to cover her largest liability – the mortgage – it would cost her $68.15/month. That’s less than a cappuccino a day!

Myth #3

I’m young. I don’t plan on dying anytime soon. I can wait to buy life insurance.

How many times have I heard the phrase “If I die….” Or “I don’t plan on dying anytime soon”? Too many times! My playful retort is usually: “Can I use

your crystal ball when you’re done?”

The purpose of life insurance is to protect families from unexpected and longterm risks; the key word being unexpected. Waiting to buy life insurance will only mean greater cost to you and you could also run into the issue of decreasing health, or even worse – uninsurabilty.

Using Valerie again as an example –if she were to wait another 5 years, the cost per month would increase 30%; if she waits 10 years, it would almost double.

Myth #4

I’m better off investing my money than taking out life insurance.

Until the value of your assets exceeds your debt, you need life insurance coverage. But even then you take a big chance when you depend solely on your investments, especially if you have dependents. If you die without coverage, there may be no means to provide for them after your current assets are depleted. And why use 100% of the assets you’ve accumulated over your lifetime to offset your debts upon death?

Life insurance will provide your beneficiaries with dollars for pennies, providing instant liquidity and removing any financial burden during a very emotional time. If you live beyond 65, you personally can benefit from guaranteed returns (can the stock market provide you that?) by cashing in your policy to supplement your retirement income. In short, you’d have to be a multimillionaire to reach ‘self-insured’ status. So for those of us who haven’t reached those lofty heights yet, life insurance can make a lot of financial sense.

The Bottom Line

These are just a few of the more common misunderstandings concerning life insurance. What’s important is that you have a discussion with your financial advisor or life insurance agent to help articulate your financial objectives, how life insurance can fill existing gaps, what products are available and which one will benefit you and the people you care about for a lifetime.

My mentor once asked me – why do you buy life insurance? As I stuttered about business continuity, family protection and

income replacement, he said… it’s love. You buy life insurance because you love someone or something. You love your family and want to make sure that they are taken care of in your lifetime and beyond. You love your business and employees and want to make sure your company carries on should you die prematurely. A pretty compelling reason to buy life insurance, don’t you think?

Lisa Lewis, BSc, is a financial professional of BF&M. With over 14 years in the re/ insurance industry, she helps advise individuals and families of how to relieve the burden of unexpected and longterm risks. Lisa can be contacted on 2980229 or llewis@bfm.bm.

Education is the best investment you can make in your child. The earlier you start, the more time your money has to grow. Our Educational Savings Plan is simple to set up. BF&M will be happy to help you get started with deposits as little as $50 a month.

For more information please call 295-5566 or visit us online at www.bfm.bm.

Dogs and Horses on Public Beaches notice

The Department of Parks is informing the general public that as of the 1st November 2013, the 1988 Bermuda National Park Regulations have changed regarding dogs and horses on the public beaches, under the jurisdiction of the 1986 Bermuda National Parks Act.

Notice Dogs and Horses on Public Beaches

Dogs are permitted to be on the public beaches until the 31st March 2015.

The dogs must be on a leash at all times.

During this period until the 30th April 2015 horses are NOT permitted on the following beaches at any time:

1. John Smith’s Bay Park

2. Elbow Beach Park

3. Horseshoe Bay Beach ( South Shore Park )

The Department of Parks is informing the general public that as of the 1st November 2012, the 1988 Bermuda National Park Regulations have changed regarding dogs and horses on the public beaches, under the jurisdiction of the 1986 Bermuda National Parks Act.

The cooperation of dog kennel operators, and the owners of dogs, in abiding by the regulations, is greatly appreciated.

Dogs are permitted to be on the public beaches until the 31st March 2013.

The dogs must be on a leash at all times.

During this period until the 30th April 2013 horses are NOT permitted on the following beaches at any time:

1. John Smith’s Bay Park

2. Elbow Beach Park

3. Horseshoe Bay Beach ( South Shore Park )

The cooperation of dog kennel operators, and the owners of dogs, in abiding by the regulations, is greatly appreciated.

Bermuda National Park Regulations 1988

Bermuda National Park Regulations 1988

1. (1) Subject to paragraph (2), no person shall, in any protected area

(a) take a horse other than on designated roadways or trails; (b) ride a horse in a manner likely to cause danger to any person therein;

Bermuda National Park Regulations 1988

(c) ride a horse at a speed greater than fifteen kilometers per hour;

1. (1) Subject to paragraph (2), no person shall, in any protected area

(d) being in control of a horse leave the horse unattended when it is not properly tied to some suitable object, other than a tree or shrub;

(a) take a horse other than on designated roadways or trails;

(e) lead from horse-back a riderless horse which is not appropriately bridled;

(b) ride a horse in a manner likely to cause danger to any person therein;

(f) lunge or break in any horse;

(c) ride a horse at a speed greater than fifteen kilometers per hour;

(g) ride a horse in excess of a slow walk when passing in the vicinity of other members of the public using the area.

BERMUDA NATIONAL PARKS AMENDMENT REGULATIONS 1994

(d) being in control of a horse leave the horse unattended when it is not properly tied to some suitable object, other than a tree or shrub;

In exercise of the powers conferred upon the Minister by section 25 of the Bermuda National parks Act 1986, the following regulations are hereby made: -

(e) lead from horse-back a riderless horse which is not appropriately bridled;

Bermuda National Park Regulations 1988

6. No person shall, being the owner of,or in control of, a dog –

Amendment of BR 49/1988

(f) lunge or break in any horse;

6. No person shall, being the owner of, or in control of, a dog –

(a) subject to paragraph (b), bring such dog unleashed on to any protected area; or

(a) subject to paragraph (b), bring such dog unleashed on to any protected area; or

(b) bring such dog on to any public beach in a protected area during the period from the 1st April to the 31st October in any year; or

(b) bring such dog on to any public beach in a protected area during the period from the 1st April to the 31st October in any year; or

(c) subject to paragraph (b), bring such dog on to any protected area using a leash greater than three meters in length, or

(c) subject to paragraph (b), bring such dog on to any protected area using a leash greater than three meters in length, or

(d) cause, permit or suffer such dog to annoy or disturb any person in any protected area.

(d) cause, permit or suffer such dog to annoy or disturb any person in any protected area.

Also by signs and notice: No dogs in the Main Show Ring at Botanical Gardens and no dogs in Coopers Island Nature Reserve.

Also by signs and notice: No dogs in the Main Show Ring at Botanical Gardens and no dogs in Coopers Island Nature Reserve.

5 (2) During the period –

(g) ride a horse in excess of a slow walk when passing in the vicinity of other members of the public using the area.

BERMUDA NATIONAL PARKS AMENDMENT REGULATIONS 1994

(a) 1st November to 30th April in any year no person shall take or ride a horse on Horseshoe Bay, John Smith’s Bay and Elbow Beach but may take or ride a horse on all other public beaches below the high water mark at any time;

In exercise of the powers conferred upon the Minister by section 25 of the Bermuda National parks Act 1986, the following regulations are hereby made: -

Amendment of BR 49/1988

5 (2) During the period –

(b) 1st May to 31st October in any year no person shall take or ride a horse on Horseshoe Bay, Johns Smith’s Bay, Elbow Beach and Shelly Bay but may take or ride a horse on all other public beaches below the high water mark between the hours or 5:00 a.m. and 8:00 a.m.

The cooperation of horse stable operators, and the owners of horses, in abiding by the regulations, is greatly appreciated.

(a) 1st November to 30th April in any year no person shall take or ride a horse on Horseshoe Bay, John Smith’s Bay and Elbow Beach but may take or ride a horse on all other public beaches below the high water mark at any time;

(b) 1st May to 31st October in any year no person shall take or ride a horse on Horseshoe Bay, Johns Smith’s

Special provision relating to horses.

family finances

BY BERMUDA PARENT MAGAZINE

Invest for the future:

for the sake of your children

Having a child is a life-changing experience, suddenly it’s not just the two of you anymore – and that new someone will be around for a very long time. You are forced to confront the future: where will the money for school fees and a college fund come from? Not to mention all the incidentals that add up to a considerable amount of money!

According to Jonathan Robinson, Sales Manager with Colonial Life Assurance, parents should not stop at considerations like college fees. “An important part of looking into the future is assessing how much will be needed if the family loses one income through death. It sounds like a blunt way of putting it

but I have seen the consequences of not being adequately prepared,” said Mr Robinson. “People don’t want to talk about life insurance. So often I hear people say ‘tomorrow’, but the problem is that sometimes tomorrow actually comes today and you are not ready,” he added.

September in the US is designated

as Life Insurance Awareness Month (LIAM) and Mr. Robinson has partnered with Widows Wear Stilettos – a group set up to support widows in Bermuda – to try and get home the message that life insurance is important. He will be holding a couple sessions with the group, along with law firm MJM, at the Chamber of Commerce

on 11th and 25th September to talk about what happens after a loved one has gone and there is no provision for items such as your mortgage or your child’s education. Mr Robinson explained that experts recommend a person insures themselves for anywhere between 5 and 20 times their annual income. “You need to gather your personal financial information and try and work out how much you will need in order to meet your financial obligations and expenses – present and future - and decide what is best for you. You need to cover funeral expenses, education costs, the mortgage and everyday living expenses. In 2010 the estimated cost of raising a child to age 18 was $230,000 - an enormous figure and one that will only go up,” said Mr. Robinson.

When she was in Bermuda, US personal finance guru, Suze Orman, said that term insurance is enough – that is, a person looks to get coverage for a certain period, so it finishes when the children have left home or the mortgage is paid, for instance. Mr. Robinson added: “If you take that route, you have to be sure that your estate is in order and that money has been put aside to cover future expenses.” It is not just couples who have to think about this – it is probably more important for single parents on whose shoulders the whole burden falls.

“You must think about leaving the children with enough money to continue their

education, to pay for expenses such as funerals and to leave a roof over their heads. You must have a plan in place for probate, especially if your children are young,” said Mr. Robinson. He has some tips for people when buying insurance:

• Seek recommendations from friends and family about which firm to use and make sure the sales agent specializes in life insurance by asking about their experience and background.

• While you should not put off getting the relevant coverage, take your time to make sure you fully understand any policy you are considering.

• Make sure you are given choices and options by the insurance agent, and that you understand them.

• Once you have bought a policy, remember you will have time – 10 to 30 days – to change your mind.

• Make sure you review your policy occasionally, or when your circumstances change, like having children.

• If you replace your policy, you will incur new fees – so generally it is best to keep the existing policy and add onto it.

“I have organized the events in September because I want to try and emulate the USA on this important issue and help to get home the message that this is an essential element of your financial strategy and one which, if left until tomorrow, could have devastating effects on a person’s family.”