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MARCH 2013

Scholarship & Overseas School

DIRECTORY2013


ACE Foundation – Bermuda

2013 Scholarships As an Investor in People, ACE is committed to providing onthe-job learning and development experiences to students within its Bermuda-based business operations. ACE has supported hundreds of Bermudian students professionally and academically through initiatives such as:

Robert Clements/ACE Scholarship Since its establishment in 1996 the Robert Clements/ACE Scholarship has provided financial support to 22 Bermudian university students, enabling them to complete their studies in insurance related degree programmes and to pursue careers in international insurance. The fully-funded scholarship is awarded to qualified students studying fulltime towards an undergraduate or graduate degree in insurance, risk management, actuarial science or other disciplines related to the insurance industry. Students are also offered employment opportunities during the holidays to provide them with relevant work experience. A condition of the scholarship is that recipients must be willing to return to Bermuda on completion of their studies to pursue their career.

ACE/Bermuda College Education Award The ACE/Bermuda College Education Award was launched in 2008. It is one component of a partnership formed between ACE and the Bermuda College with the goal of helping students prepare for the workplace. The award is offered annually to a qualified graduate of Bermuda College, enrolled in at least the (junior) year of a 4-year (or the second year of a 3-year UK) degree programme at an accredited university. The Education Award of $15,000 per year covers tuition and fees for up to two years immediately following Bermuda College graduation. Since inception, five Bermudian students have received the Education Award.

For more information and application forms please contact acefoundation@acegroup.com or visit www.acebermuda.com or www.bermudascholarships.com

© 2013 The ACE Group of insurance and reinsurance companies.


www.pwc.com/bermudacareers

Grow your own way 2013 Peter Mitchell Scholar Award

Are you a Bermudian student looking to jumpstart your professional career? PwC’s Peter Mitchell Scholarship could be the right opportunity for you. As part of our HeadStart programme, the scholarship provides Bermudian students currently enrolled LQDQXQGHUJUDGXDWHRUJUDGXDWHSURJUDPPHZLWKLQÄ&#x;QDQFLDODVVLVWDQFH0RVW importantly, as a recipient, the award will give you valuable work experience as well as ongoing career coaching and support. If you’re a Bermudian student enrolled at an accredited university or college with a minimum GPA of 3.2, apply for this renewable scholarship at: www.pwc.com/bermudacareers. 'HDGOLQHIRUDSSOLFDWLRQVLV0DUFK Š 2013 PricewaterhouseCoopers (a Bermuda partnership). All rights reserved.


SCHOLARSHIP DIRECTORY Choosing a career A SPECIAL ADVERTISING SUPPLEMENT OF THE BERMUDA SUN MARCH 15, 2013 PAGE 1

BY AMANDA DALE adale@bermudasun.bm

Whether it’s finance, dance or the environment, there’s a scholarship out there for you. It’s that time of year when you have to start seriously thinking about your future. Many scholarship deadlines are looming, so now is the time to get your applications in.

Competition Inside you will find an A-Z directory of some of the awards on offer through various organizations in Bermuda. Competition for college funding has never been tougher, but the Bermuda Foundation for Insurance Studies has a list of top tips to help you stand out from the crowd. In this 2013 issue of the Scholarship Directory, we

also focus on finance. Inside you will find several articles on the plight of North American students as they face spiraling costs for an education. With such a huge commitment to make, you must ensure you make the right choice in your area of study. Working a full or parttime job is now a necessity for many students to help cover the bills, but by winning a scholarship you can help to ease these costs. For the latest in financial awards, scholarships and bursaries, go to bermudascholarships.com. And don’t be afraid to seek advice from parents, mentors, teachers and professionals before you make your choice. We hope this edition of the Scholarship Directory will help you on your way to a rewarding, successful future career. ■

■ MCT GRAPHIC BY RICK NEASE

MOUNTAIN OF DEBT: Avoid this with a scholarship.

Inside this supplement Bermudascholarships.com/OIL Group awards Page 2 Accountancy at Ernst & Young Pages 3-4 ACE Foundation awards Page 4 Bermuda Health Foundation funding Page 5 Law award with Marshall Diel & Myers Page 6 Connect with Digicel’s Mobile Internet Page 8 A headstart in finance with PwC Pages 9 and 12 Environmental careers with BELCO Page 10 Students who have to work and study Pages 12, 20-21 KPMG scholarship opens doors Page 13 A-Z scholarships directory Pages 14-20 How to win that scholarship Pages 22 and 25

Bermuda Sun 19 Elliott Street, Hamilton, Bermuda HM 10 Tel 295-3902 Fax 292-5597 E-mail feedback@bermudasun.bm This special supplement is produced and published by Bermuda Sun Limited and printed in Bermuda by Island Press Limited.

Publisher Randy French President Lisa Beauchamp Editorial Amanda Dale Layout Amanda Dale Advertising Sales Carlita Burgess (Deputy Advertising Manager) Olga French, Diane Gilbert, Claire James Creative Services Christina White, Colby Medeiros, Bakari Smith Circulation & Distribution Nick Tavares

National Dance Foundation Pages 24 and 29 Bank of N.T. Butterfield awards Page 25 Careers with the Bermuda Hospitals Board Page 26 How to manage your finances at college Pages 31-32 Cost determines the choice of college Page 32

The Bermuda Sun publishes twice weekly and is a subsidiary of MediaHouse Limited. We are members of the Inland Press Association, International Newspaper Marketing Association and the Newspaper Association of America. We are located at: 19 Elliott Street, Hamilton HM 10; P.O. Box HM 1241, Hamilton HM FX Tel: 295-3902 Fax: 292-5597. Visit our website: www.bermudasun.bm


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A world of opportunity awaits online SUPPLIED BY BERMUDASCHOLARSHIPS.COM Bermudascholarships. com, the island’s definitive online scholarship resource, is now preparing for its third season. Supported by The Centre on Philanthropy, the site is the singular resource for students and parents looking for financial support for university and college funding. Once a student has completed their profile, and all the required documents (transcripts, essays, etc) have been securely uploaded, they can apply for all of their shortlisted scholarships at the touch of a button.

Confidential Gone are the days of having to complete multiple applications forms by hand. For Bermudian students already attending colleges overseas, having this online resource so easily accessible is also huge benefit. School transcripts are now uploaded directly to the students’ profiles by their school office. The entire process is confidential and each student’s private information will only be shared with the

■ PHOTO COURTESY OF DIGICEL

EXPLORE: Discover the possibilities for further education funding at bermudascholarships. com, and apply directly online. award providers they have selected. The site also features helpful resources for students, including tips on interviewing and how to choose the best educational path. It also dispels myths about why students don’t apply for scholarships.

Degree diversity SUPPLIED BY THE OIL GROUP The OIL Group Scholarship Awards have been offered since 2005 and continue to attract a high number of applicants. Applicants must have completed a minimum of two years of their undergraduate degree and have a GPA of 3.5 out of four or equivalent. There is no restriction on the field of study; however, heavy emphasis is placed on academic achievement

and community service. Past recipients have demonstrated the versatility of the scholarship, as it has been awarded to students pursuing degrees in mechanical engineering, history, biochemistry, mathematics, medicine, political science, developmental studies and clinical psychology. ■

APPLICATION FORMS can be downloaded and submitted at www.bermudascholarships.com, by June 30.

In addition, it contains important information for parents and educators to help them understand not only the scholarship process, but also how to apply and budget for a college education. Bermudascholarships. com is a very powerful tool; last year the site featured 127 award providers who awarded a total 423 scholarships with a value of more than $10 million. Many students who used the site last year said how user-friendly it was and that it made the entire process so much easier. One in particular, an

overseas student, said: “I couldn’t believe that I was actually able to apply for several Bermuda scholarships without even moving from my dorm room!” The website is sponsored by ABIC, ACE, the Bermuda Foundation for Insurance Studies, Bank of Bermuda Foundation, OIL Group of Companies, Renaissance Re and XL Group. ■

FOR MORE INFORMATION on the website, e-mail info@bermudascholarships. com or call the Centre On Philanthropy on 236-7706.

‘Bermudascholarships.com is a very powerful tool; last year the site featured 127 award providers who awarded a total 423 scholarships with a value of more than $10 million.’


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Grow your accountancy potential SUPPLIED BY ERNST & YOUNG Long recognized as one of the world’s leading employers, Ernst & Young firmly believes the foundation of its success lies in its people. That’s why the global professional services firm puts a premium on recruiting high-calibre talent, offering employees vast opportunities to develop, achieve, advance and grow.

Incentives The company’s Hamilton office encourages Bermudian students to pursue a fulfilling career in the financial services field, and to reach their full potential. Among the incentives to attract the best and the brightest are full scholarships, internships, assistance with professional qualifications, and mentoring programs.

“Ernst & Young takes pride in its long-held reputation for integrity and excellence, and that is why our top priority is attracting outstanding young talent,” said Gil Tucker, Country managing partner. “Our motto is ‘Quality in Everything We Do’ and we believe that is the hallmark of success.” To encourage and reward excellence, the firm established a prestigious annual scholarship to a student in each of its Cayman Islands, Bahamas, Bermuda, and BVI locations. The scholarship provides financial support, as well as the opportunity to gain practical experience as an intern for an eight-to-10 week period during summer breaks. The scholarship is valued at up to $30,000 per calendar year and is renewable for

CAROLINE BERLO up to a maximum of five years until the recipient has completed the minimum educational requirements to qualify for the Certified Public Accountancy (CPA) or Chartered Accountancy (CA) designation. Caroline Berlo is one of the scholarship recipients in the Bermuda office. She first joined Ernst & Young as an intern in 2010 and was awarded the scholarship

the following year. Her outstanding work ethic, excellent academics and winning attitude earned her the coveted scholarship, providing financial assistance for her to attend St Francis Xavier University in Halifax, Nova Scotia, Canada. Caroline will be graduating in May with a BBA in Accounting and will start with Ernst & Young this summer as a full-time staff accountant as she pursues the CA designation. She says the encouragement she received from Ernst & Young inspired her to challenge herself and reach her potential. “So many people are helpful. They have an open-door policy and really try and push Bermudians to be all they can be. I have really enjoyed my time at Ernst See ACCOUNTANCY, page 4


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Two ACE awards for undergraduates SUPPLIED BY THE ACE FOUNDATION The ACE Foundation — Bermuda offers two education awards for Bermudian students.

Robert Clements/ACE Scholarship The Robert Clements/ ACE Scholarship is designed for students interested in entering the insurance industry. Since its establishment in 1996 the Robert Clements/ ACE Scholarship has provided financial support to more than 20 Bermudian university students, enabling them to complete insurance-related degrees and to pursue careers in the international insurance industry. The fully-funded scholarship is awarded to qualified students studying full-time towards an undergraduate or graduate degree in insurance, risk management, actuarial science or other disciplines related to the insurance industry, such as corporate law, finance, or economics. The scholarship includes tuition and fees, room and board, text books, roundtrip airfares between the university and Bermuda, and employment opportunities. It is awarded annually and the recipient must maintain a cumulative GPA of 3.0 on a 4 point scale or equivalent. The application deadline is April 30.

ACCOUNTANCY Continued from page 3 & Young and can’t wait to start pursuing my designation.” The firm also awards the Ernst & Young High School Values Award. These awards recognize the graduating student from each high school in Bermuda who best displays the firm’s

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AWARDS: 2012 ACE scholarship recipients Isaac James and Julia Dunne. Julia Dunne, a 17-yearold Bermuda High School graduate, was named the 2012 Robert Clements/ACE Scholar. She commenced a Bachelor’s Degree in Business at Georgetown University’s McDonough School of Business in September. On completion she plans to return to Bermuda to pursue a career in the insurance industry. Scholars are expected to seek employment at ACE during university breaks to gain relevant work experience in ACE’s insurance or reinsurance operations. They may apply for the ACE Select Insurance Internship and they are invited to take advantage of internal learning and development opportunities, and the chance to network with ACE employees and execuvalues and who they are: People who demonstrate integrity, respect and teaming; people with energy, enthusiasm and the courage to lead; and people who build relationships based on doing the right thing. Recipients are presented an award as well as a financial contribution towards their education. Ernst & Young has helped many Bermudians climb

tives. A condition of the scholarship is that recipients must be willing to return to Bermuda on completion of their studies to pursue a career in the insurance industry.

ACE/Bermuda College Education Award ACE and Bermuda College formed a partnership in 2008 with the goal of helping students make the connection between their studies and the workplace. One component of this partnership is the ACE/ Bermuda College Education Award, which offers graduates of Bermuda College an opportunity to continue their undergraduate studies overseas. The award of $15,000 per year covers tuition and fees

the ladder of success. Professional development is a priority, with training, support and guidance programmes to help new employees chart their own career paths and provide quality service to clients. “Our goal at Ernst & Young is to equip our employees with the skills and knowledge they need to take ownership of their career,” says Mr. Tucker.

for up to two years immediately after graduation. Students must be enrolled in at least the third (junior) year of a four-year degree course or the second year of a three-year UK degree at an accredited university. The Selection Committee bases its decision on the financial need, academic achievements and aptitude of applicants. Students must maintain a cumulative GPA of 3.0 on a 4 point scale or equivalent to be considered for the second year of the award. The application deadline is April 15. Isaac James received the 2012 ACE/Bermuda College Education Award. He graduated from Bermuda College with an Associate Degree in Science in May 2012 and commenced a Bachelor’s Degree in Medical Science at the University of Leeds, UK, in September. Isaac’s goal is to become a general pathologist and return to Bermuda to pursue his career in the medical field. Award recipients are invited to seek employment at ACE during university breaks if relevant work experience is available and they are invited to take advantage of internal learning and development opportunities. ■

FOR MORE INFORMATION about these awards and other student opportunities, see www.acefoundationbermuda.com or www.bermudascholarships.com.

“That development is at the heart of our culture. We believe employees do the best work they can when they have the freedom to chart their own course. And, ultimately, that means our clients will benefit too.” ■

FOR MORE INFORMATION call 295-7000 or e-mail: hrbm@bm.ey.com


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Foundation funds medical careers SUPPLIED BY BERMUDA HEALTH FOUNDATION The Bermuda Health Foundation honours Bermudians who provide outstanding public service and provides scholarships for those interested in a medical career. It was formed 11 years ago by brothers Philip Butterfield, Vincent Hollinsid and former Premier Dr Ewart Brown, with their friend the late K. Murray Brown. Recipients of the annual ‘Salute to Service’ awards include Reginald Burrows, Bishop Vernon Lambe, Liz Boden, Paula Cox, Dr. Clarence James and Alf T. Oughton. All recipients are recognized for stellar service to the Bermuda community in various fields of endeavour. The 2012 ‘Salute to Service

Award’ recipient was Sir John Swan who was honoured for his outstanding service in politics, as Bermuda’s longest-serving Premier, as well as in business, as the founder, CEO and chairman of the Swan Group of Companies.

Tournament On June 21, 2013, Bermuda Health Foundation will honour Dr Malcolm Brock, Associate Professor of Surgery and Oncology at the Johns Hopkins University School of Medicine. He is also an Associate Professor of Environmental Health Sciences at the Johns Hopkins Bloomberg School of Public Health. In addition to its annual luncheon where the ‘Salute to Service’ and scholarship awards are presented, the Bermuda Health

Foundation also hosts a charity golf tournament to raise scholarship funds. This attracts participants from both the corporate sector and the golfing community. Since its inception in 2002, the Bermuda Health Foundation has provided more than 30 scholarships to Bermudians of all ages. Many of the scholarship winners have graduated and are now practising in their various fields of endeavour, including nursing, public health, forensic science and, of course, physicians. Recipients of last year’s Bermuda Health Foundation Scholarship were Asha Ratteray and Sergio Virgil. Ms Ratteray, who has a Bachelor of Arts degree from York University in Toronto, is studying for a Bachelor of Medicine and

Bachelor of Surgery at the University of West Indies. Mr Virgil has completed his pre-med studies at St George’s University School of Medicine in Grenada, and is now enrolled at the American University of Antigua College of Medicine. While Ms Ratteray said she plans to specialize in internal medicine, Mr Virgil said he is interested in orthopaedic surgery. ■

BERMUDIANS INTERESTED in applying for Bermuda Health Foundation scholarships should contact LaVerne Furbert at lavernef@northrock.bm. Applicants should submit a letter (with name, address and contact information) outlining why they believe they should be a recipient. The deadline for scholarship applications is April 30.


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Law award aims to raise the Bar SUPPLIED BY MARSHALL DIEL & MYERS LTD There’s no question that pursuing a law degree requires commitment and hard work, but it is absolutely worth it as the legal field provides students with one of the most diverse degrees in the job market. Every day of the year, individuals, companies and organizations depend on the services of a lawyer or law firm. With an increasing amount of students seeking a career in law, and rising tuition costs, the availability of scholarships, bursaries and awards for legal studies has become increasingly important. Marshall Diel & Myers Ltd strongly believes in supporting young Bermudians who aspire to a career in the legal profession.

■ MCT GRAPHIC

CHALLENGE: A career in law requires hard work, commitment and academic excellence.

Confidence In addition to our summer student programme and annual pupillage, the firm is committed to developing the future of the Bar in Bermuda by offering an annual scholarship to encourage and support Bermudian students interested in studying law. “In offering the scholarship, the firm hopes to provide a worthy applicant with the opportunity to achieve his or her goal of becoming an attorney and member of the Bermuda Bar,” said Kevin Taylor, managing director of Marshall Diel & Myers Ltd. “We are seeking to make an investment today to assist in developing tomorrow’s leaders of Bermuda’s legal community.” The award provides financial support up to $15,000 for a Bermudian student pursuing a law degree at an institution that will qualify him/ her for call to the Bermuda Bar. The scholarship is only available to students who intend to return to Bermuda to practice law and contribute to the on-going develop-

‘We are seeking to make an investment today to assist in developing tomorrow’s leaders of Bermuda’s legal community.’ KEVIN TAYLOR

Managing director, Marshall Diel & Myers Ltd

ment of the Bermuda Bar. The Award Committee will focus on the following criteria: Outstanding academic achievement; character; leadership qualities; charitable and community involvement; and involvement in extracurricular activities including the arts and sports. As the award winner may be given the opportunity to pupil and start their legal career with Marshall Diel & Myers Ltd, the committee is looking for candidates who excel academically and are personable and assured,

while having the ability to service the firm’s clients with the highest level of competence. Mr Taylor said: “The firm is seeking a bright, driven and personable young law student who is on the path to becoming a solid contributor to the legal fraternity in Bermuda. “As an advocacy firm, we will also be looking for a candidate that is wellspoken, confident and able to convey their views in a clear and effective manner.” Applications for the Marshall Diel & Myers Ltd

Legal Scholarship Award are to be made on forms obtainable from Rachael Barritt, director and head of the Scholarship Committee. They can also be downloaded from the company’s website. All documents must be submitted by 5pm on July 1. A shortlist of applicants will then be invited to interview with the Scholarship Award Committee in late July/early August. The winner will be announced by August 31. The directors of Marshall Diel & Myers Ltd look forward to receiving the applications and meeting with the next generation of Bermudian lawyers. They take this opportunity to remind applicants to pay special attention to the presentation and content of their application as the package is a candidate’s first opportunity to present a favourable impression. ■

FOR MORE INFORMATION and to obtain the application forms, e-mail racheal. barritt@law.bm or see the company website at www. law.bm


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Affordable surfing for students Digicel’s Mobile Internet aims to relieve time and costs SUPPLIED BY DIGICEL Football games, play rehearsals, ballet classes, debate practices, prom fundraisers — the life of a student can be hectic. And those are just the extracurricular activities. What about the reading assignments, homework, group projects, research papers, and studying for exams? Today’s student needs to be well-rounded while maintaining high academic standards. In this environment, every minute counts. Digicel hopes its Student Mobile Internet plan will help to alleviate time pressure by enabling students to affordably access the Internet on-the-go. Mobile Internet allows people to connect to the World Wide Web anywhere on the island by using the Digicel 4G wireless network.

Efficient Customers may connect their laptops using a USB modem or their tablets with a micro SIM. Students may use a 5GB (gigabyte) plan for only $35 per month, which is heavily reduced from the standard price of $79 per month. “Students need the Internet. If they’re working together on projects, submitting assignments online, or conducting research using a search engine, the Internet is a necessary component in assuring their schoolwork is complete,” said Lakeitha Robinson, Digicel Bermuda human resources director. “The Student Mobile Internet plan allows these students to easily fit Internet access into their busy schedules.” When students have snippets of time — in between school and their next extracurricular activity, or waiting for a ride, or taking public transport — these moments can be opportuni-

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SEARCH ENGINE: The Internet can assist students in research, projects and social life. ties to get some work done online. By using this time efficiently, students are able to spend more of their time at home actually interacting with their families, relaxing and preparing for the next day. “A topic that has received much media attention recently is student stress,” stated Shane McDonnell, Digicel Bermuda sales director. “We hear stories of students with anxiety and panic attacks, students falling asleep over homework, students who barely spend time with their families, because they are overwhelmed with activities and assignments. “We understand that students are under an enormous amount of pressure. In order to get into their chosen universities and to be awarded scholarships, they need to have excellent grades and to participate in a variety of extracurricular activities. “If Student Mobile

Internet can offer some relief by making it easier for students to accomplish this feat, we are happy.” Another concern for the average student is money. Students and their parents are saving money for college, which becomes more expensive by the year. “When we decided to launch a Student Mobile Internet plan, our main concern was making it affordable for students who are saving up to further their education,” said Mr McDonnell. “By shaving 55 per cent off the regular price, we are making the Internet more accessible, both in terms of price and mobility.” It is important to note that the 5GB is a data limit, not a speed. Mobile Internet works on the Digicel 4G wireless network, so the mobile Internet speed will be similar to data on a 4G smartphone. The data limit of 5GB means that the user can upload and download a total of 5GB in the month.

“Five GB is a huge amount of data,” said Mr McDonnell. “That’s enough to send and receive plenty of emails with attachments, browse the web, upload some photos, download some music, send and receive instant messages, and more.” Digicel has placed a data calculator on its website to help customers be assured they have the sufficient data for their needs. This can be found at http://www.digicelbermuda.com/en/postpaid/datacalculator. The student mobile Internet plan can be capped at 5GB to ensure that the student does not incur any overage charges. Alternatively, overages are charged at 5 cents per MB (megabyte) on an uncapped plan. Local students and school faculty and staff are eligible for the Student Mobile Internet plan. To sign up, visit your nearest Digicel store. ■


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Get a HeadStart in your career with PwC SUPPLIED BY PRICEWATERHOUSECOOPERS (PWC) Bermudian undergraduates interested in a career in professional services can get a headstart at PricewaterhouseCoopers (PwC) Bermuda. The firm’s Peter Mitchell Scholarship offers a $20,000-a-year renewable scholarship to support Bermudian undergraduate or graduate students who have completed at least one year of university. The award is part of PwC’s HeadStart initiative which aims to equip young professionals with the necessary skills to embark on a successful career in finance and professional services. HeadStart focuses on developing strong interpersonal skills and teamwork, to help students progress in their careers. Other valued

attributes include technical knowledge, leadership skills, relationship-building, project management and self-development. Scholarship recipients receive guidance and support from PwC mentors and the opportunity to participate in the firm’s Summer Intern programme and Associates programme upon graduation.

Dynamic David Gibbons, PwC’s HeadStart programme director says: “It’s not just about becoming an accountant or a tax advisor. “We are looking for dynamic and talented young Bermudians who have the potential to develop into skilled professionals, as well as business and community leaders. “Our goal is to recruit and develop students to their full potential.”

“We look for young Bermudians who not only have strong academic backgrounds, but possess leadership skills and are actively involved in the community. “PwC is much more than just an accounting firm. We offer opportunities through a number of different career paths including business advisory, tax and actuarial services. “The HeadStart programme helps young Bermudians attain their accounting designation and develops a tailored career path for them. “We believe it takes more than a designation and technical skills to succeed long-term, so the firm also focuses on developing and challenging our people through hands-on client work and experiences.” Typically the award is presented to one student per year, but for the last

two years, PwC has had two exceptional candidates and awarded the scholarship to both of them. In 2012, the two Scholarship winners were Somer Zuiker and Michelle Kelly, who are both pleased to have been presented with the award, which will help further their educational and professional goals. Ms Zuiker is currently studying commerce at Queen’s University and is set to graduate in 2015. She will be participating in the HeadStart intern programme for the first time this summer and is looking forward to the experience. “I am eager to gain exposure to different industry sectors and apply skills I have learned at university in real-life situations, as well as build teamwork skills in a professional enviSee HEADSTART, page 12


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Turn your career green with BELCO Scholarships for students pursuing environmental degrees BY SHANE ANTONITION AND REBECCA SHARPE

Shane Antonition, Environmental Engineering, University of Waterloo I am a 2012 graduate of Mount Saint Agnes Academy and am a first year Environmental Engineering student at the University of Waterloo. I was awarded the 2012 BELCO Llewellyn Vorley Education Award. For me, the scholarship has been the financial catalyst for my post-secondary education and future career development. It has allowed me to go to a world-class university to pursue my passions in the environment and science. A major part in this will be the co-op work terms that are integrated into my engineering programme, the first of which I am currently undertaking at BELCO. I intend to use my work terms as an opportunity to mould my growth and gain valuable experience focusing on the industrial and research applications of my degree. When it comes to applying for scholarships, go for everything you can! You limit yourself if you only apply for large scholarships. Go into the interview with an in-depth knowledge of the programme you’ve applied for, as well as your extracurricular activities, as there will be times when you are asked about this. If you are fortunate to be shortlisted for an interview, come prepared. Bring something unique and memorable about you and tie it to your career plans. I’ve been flower arranging since I was five, so I brought photos of some of my previous arrangements and explained to my scholarship interviewers how I’ve been incorporating engineering

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NEXT GENERATION: Last year BELCO granted more than $150,000 to Bermudian university students. Andrew Parsons, executive vice president, is pictured with the recipients. Shane Antonition is on the middle row, far right. Rebecca Sharpe is third from the left. principles such as problem solving and a little structural design into this creative skill. My ultimate goal, whatever path I take, is to come back to Bermuda to use my new skills to better the community and the environment.

Rebecca Sharpe, Environmental Studies, University of Toronto First, I want to say that I am very grateful to BELCO for offering me an award. Like other students, I was required to contribute to the cost of attending university (in my case the University of Toronto). For me, having to complete a full course load, swim-train nine times a week, travel to swim meets on weekends, take part in an unpaid year-long internship and help to create the first youth council for the

solar industries in Canada didn’t leave me enough time to earn money through parttime jobs. So the BELCO award really allowed me to take full advantage of the academic and athletic experiences offered by the University of Toronto. I am now in my final year of university and will shortly complete my major in Environmental Studies. Because BELCO is an environmentally-aware public utility the award enhanced my resume, which has already helped me to differentiate myself in the eyes of employers. I am sure that the award helped me to be appointed to the executive committee of the Canadian Solar Industries Association first youth advisory council, called Emerging Leaders of Solar Energy. I hope that this role, and the contacts that I will make through it, will open other

career doors for me. In terms of finding and applying for scholarships, young people in Bermuda are fortunate that there are many generous and rightthinking employers like BELCO who understand the importance of a good education. Ideally, students should start by trying to identify industries that they have some interest in and then the companies in those industries that offer scholarships. While the application process is time-consuming, because there will be many applicants, the student’s objective should be to develop an application that stands out from the others. This takes creativity and an understanding of the company’s ‘hot buttons’. ■

FOR MORE INFORMATION on BELCO’s scholarships and awards, see www.belco. bm


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Llewellyn Vorley Engineering Scholarship & Educational Awards The annual $25,000 Scholarship is granted to a qualified Bermudian candidate who is working toward an engineering degree and has completed one year of his/ her degree or university education. The annual Educational Awards, which vary in amount, are also granted to Bermudian engineering students.

C. Eugene Cox Postgraduate Engineering Scholarship This annual $25,000 Scholarship will be granted to a qualified Bermudian candidate who is studying for a postgraduate degree in Mechanical, Electrical or a related Engineering field relevant to our operation.

A.T. Oughton Postgraduate Scholarship This annual $25,000 Scholarship will be granted to a qualified Bermudian candidate who is studying for a postgraduate degree in a business or social science discipline. Summer Employment / Internship Option Available for Successful Applicants '$7(

)25'(7$,/('$33/,&$7,21,1)250$7,21

ONLINE:

2013/2014

PHONE: IN PERSON:

Visit www.belco.bm BELCO Human Resources, 299 2803 Pick up at BELCO headquarters, 27 Serpentine Road, Hamilton

OVER

$ 150,000 AWARDED PER ANNUM

C L O S I N G D AT E F O R A P P L I C AT I O N I S M AY 3 1 , 2 0 1 3


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Students who have to make college work BY ERIC ADLER AND MARA ROSE WILLIAMS The Kansas City Star (MCT)

In its idealized conception, college is an ivory tower where students through quiet contemplation or raucous self-discovery ready themselves for ‘the real world’. But as college student Korchi Yang can attest, and as some two million college applicants awaiting their financial aid packages may soon discover, being a hardworking student these days means precisely that. Work. Not just the on-campus work-study variety. This is real-world work: 20 or 30 hours a week or more.

Exhaustion One out of every five college students in the US works full-time, 35-plus hours a week, all yearlong, according to the most recently released Census figures. With college bills at record highs, students say it’s not a choice. It’s a must. Average student debt now sits at $26,600. The cost to attend a public four-year college, with room and board, on average: $17,860 per year. Private: $40,000. After subtracting grants and scholarships, tuition paid by students at public universities jumped 8.3 percent last year, the biggest increase on record, according to a report released last week by the State Higher Education Executive Officers association. College bills have become

HEADSTART Continued from page 9 ronment,” said Ms Zuiker. She is pleased that she is not only receiving financial support, but opportunities for career advancement. “I’m able to focus on my studies knowing that I have the opportunity of joining the firm as an intern this summer, with the potential

■ MCT PHOTO

EDUCATION: But one in five US college students has to work full-time to pay the bills. so onerous for some, in fact, that last month The Chronicle of Higher Education reported on a brisk market for students selling parts of their physical selves: Plasma; sperm; eggs; their bodies for medical clinical studies. “It’s fast, easy money,” said Nikki Hill, a 25-yearold, full-time online student at Missouri Southern State University who previously attended the University of Kansas. While at KU, Hill said, she sold plasma twice a week while also working at a coffee shop to pay her bills.

“College is expensive. I was making $60 a week donating my plasma,” said Ms Hill, who said she earned thousands of dollars over three years this way. “All my friends were doing it, too. I used to round everyone up and drive them all with me to the plasma centre.” For the majority of students who don’t go to such lengths, however, the daily working world has become the prime option. For years, studies have found that holding a job for 10 to 15 hours a week during college can actually help

students perform better in the classroom. But students today are going far beyond that limit, experts say. Too many hours has a price all its own. “The toll it takes on students is pretty significant,” said Josh Gunn, presidentelect of the American College Counseling Association and director of counseling and psychological services at Kennesaw State University. “Students are depleted, exhausted, and something has to suffer.”

to join PwC full-time after graduating.” Ms Kelly has interned with the firm for the past three summers and will be joining as a full-time Associate after finishing the University of Notre Dame’s Masters in Accountancy programme in May 2014, when she will begin pursuing a Certified Public Accountancy designation.

Ms Kelly feels extremely fortunate to receive the scholarship. “The scholarship provides me with a support system. “If I have questions or concerns about my classes and exams or need career advice, I know I can reach out to my PwC mentors and they’ll direct me on the best path. “They are just as committed to my success as I am,

and the skills I’m learning are invaluable,” she said. “Each year I face new challenges and opportunities at PwC, which I really enjoy. I have acquired a lot of practical work experience which is a great asset in my career.” ■

See WORK, page 20

FOR MORE INFORMATION visit www.pwc.com/bermudacareers


THE BERMUDA SUN

SCHOLARSHIP DIRECTORY: A SPECIAL ADVERTISING SUPPLEMENT

MARCH 15, 2013 ■ 13

KPMG Scholarship adds up to success SUPPLIED BY KPMG KPMG is very committed to developing young Bermudians through its annual Scholarship and Graduate programmes. In addition to our graduate-focused programme, the KPMG Scholarship is awarded annually by our managing directors, to a Bermudian undergraduate student pursuing a career in accounting.

Investment The KPMG Scholarship has a value of $20,000 annually and is renewable for a total of three years, providing the student meets all the academic requirements. The scholarship also allows recipients to work at KPMG during breaks from university or college. Upon successful completion of an undergraduate

‘They (KPMG) have and continue to open many doors for my future.’ VANESSA CARROCA

2010 KPMG Scholarship recipient

degree, scholarship recipients are given the opportunity to join KPMG full-time as staff accountants where the firm provides financial and educational support to assist with becoming a qualified accountant. Our recent graduate, Vanessa Carroca, was the recipient of the 2010 KPMG Scholarship. Ms Carroca said: “KPMG’s financial aid has given me the opportunity to obtain my undergraduate degree. I am looking for-

ward to working for KPMG in March 2013 because I consider their Graduate Programme as one of the highlights of working for KPMG. “They have and continue to open many doors for my future.” Our 2012 Scholarship recipient, Kris Furbert said: “KPMG is a company that makes it its business to invest in people. As a KPMG Scholarship recipient, I will automatically enter their internship pro-

gramme when I return home for school breaks. “During this time I will be able to gain invaluable work experience and build relationships in the audit industry. “I will also be entered into their Graduate Programme upon graduation from university where I will begin my path towards attaining an accounting designation. “I am grateful for this opportunity and most definitely for the financial assistance.” Talented university students who are committed to maintaining the highest standards of integrity, service and academic achievements are encouraged to apply for an invitation to the future. ■

FOR MORE INFORMATION contact hr@kpmg.bm or visit www.kpmg.bm for scholarship details.


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THE BERMUDA SUN MARCH 15, 2013 â–  15


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Don’t miss the BERMUDA SUN’S Scholarship Recipients

Directory 2013 Publishing

Friday 13th September 2013

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Non-specific

Non-specific Non-specific Visual Arts, Architecture

Business, Accounting, Information Technology, Finance, Economics, Engineering Non-specific Post Graduate Non-specific Undergraduate Construction, Engineering Undergraduate, Associates/ Diploma Post Graduate Performing and Visual Arts High school/ pre-high school Actuarial Science Undergraduate, Associates/ Diploma, High School Legal Studies Undergraduate, Post Graduate Non-specific Undergraduate, Associates/ Diploma Hotel management Undergraduate, Post Graduate Non-specific Non-specific Associates/ Diploma, Undergraduate Business, Accounting. Post Graduate, Actuarial Science Undergraduate

Grant

Grant Scholarship Bursary

Scholarship

Scholarship Scholarship Scholarship

Scholarship Grant

Scholarship Bursary

Scholarship Scholarship Scholarship

Scholarship

BPSU Local Awards

BPSU Overseas Awards BPWA Scholarship (Bermuda College) BSoA Further Education Bursary

BTC Sir John W. Cox Career Development Award

Butterfield Sir Dudley Spurling Scholarship Butterfield Sir Harry D. Butterfield Scholarship CAOB Scholarship

CAPITAL G ‘Inspiration’ Scholarship

Casualty Actuaries of Bermuda (CABER) Grants

CHW Legal Scholarship Award

Continental Society Scholarship

CTO Scholarship Programme

CTO Scholarships Cummings V Zuill Award

Deloitte Scholarship

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1

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6

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$15,000

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$12,000

$4,000

$25,000

750

$22,500

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$20,000

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$1,000

THE BERMUDA SUN MARCH 15, 2013 ■ 17


Non-specific, Business Health Sciences

Horticulture, Environmental Sciences Accounting, Actuarial Science, Finance, Business Non-specific Accounting, Construction, Non-specific, Actuarial Science Performing Arts Non-specific, Horticulture

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George E. Wardman Agronomy (Turf mt.) Scholarship Fund

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Hospitals Auxiliary of Bermuda Educational Award

IBA Paul Lepercq Architectural Scholarship

IBA Stanley G. Kennedy Architectural Award

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Ministry of Education Mature Student Award Ministry of Education Teacher Training Awards National Dance Fndtn. Georgine Mary Russell Hill Award

National Dance Fndtn. L. John Profit Commemorative Award

■ A TO Z GUIDE / Duperreault to St John’s Trust Company

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$20,000

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$8,000

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$5,000

$5,000

$6,000

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Undergraduate

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18 ■ MARCH 15, 2013 THE BERMUDA SUN


Non-specific

Culinary arts/hotel management Diploma Non-specific Undergraduate Business, Accounting Undergraduate Legal Studies, Finance, Actuarial Science, Economics, Finance, Insurance & RM Non-specific Nursing, engineering, medicine, health sciences, accounting architecture Non-specific Undergraduate Technology, Engineering, Business, Legal Studies, Actuarial Science, Mathematics, Accounting Economics, Finance, Legal Studies, Undergraduate, Actuarial Science, Engineering, Postgraduate, Accounting, Insurance & RM, Business, Mathematics Health Sciences Postgraduate

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Scholarship

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Overseas & amp / Bermuda College Hospitality Scholarship

Paget Parish Undergraduate Scholarship (Overseas) Partner Re Undergraduate Scholarship Award

PHC Foundation Scholarship Public Service Bursary Award Scheme

RenaissanceRe Undergraduate Scholarships

Robert Clements/ACE Scholarship

St Johnâ&#x20AC;&#x2122;s Trust Company (PVT) Ltd psychology/social work/ counselling St John's Trust Company Information Technology Scholarship

Associates/ Dip./Under & Postgraduate

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National Dance Fndtn. Patricia Calnan Commemorative Award National Dance Foundation of Bermuda

$2,000

$25,000

$4,000 $10,000

$5,000 $25,000

$15,000

$20,000

$25,000

$15,000 $750

$7,500

1

2

1

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Scholarship

Performing Arts

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Post Graduate Associates/ Diploma Undergraduate, Post Graduate, Associates/ Diploma Undergraduate Undergraduate Postgraduate Associates/ Diploma Undergraduate, Post Graduate Post Graduate, Undergraduate Undergraduate, Associates/ THE BERMUDA SUN MARCH 15, 2013 â&#x2013;  19


1 $3,000

Legal Studies Accounting, Information Technology, Mathematics, Actuarial Science, Business, Insurance & RM, Economics, Finance Scholarship

Bursary

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The Robert J. Wright Scholarship at Bermuda College

Tom Davies Bursary

Trott & Duncan Shirley D. Simmons Education Award XL Scholarship

Environmental Sciences Scholarship Steinhoff / BZS Scholarship for Environmental Sciences

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1 $32,000

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Post Graduate, Undergraduate Associates/ Diploma Undergraduate, Post Graduate, Associates/ Diploma Undergraduate Undergraduate

Varies

1 1

SCHOLARSHIP DIRECTORY: A SPECIAL ADVERTISING SUPPLEMENT

20 ■ MARCH 15, 2013

WORK Continued from page 12 At Kennesaw, Dr Gunn said, “it has been quite evident that more students than ever are carrying a full load of classes and a fulltime job at the same time.” When students become too run-down to make it through even one more day of double duty, he said, they usually will choose to go to work over class to pay the bills. Consider Korchi, 23, who scrambles each week to keep her life in balance. She attends Kansas City Kansas Community College, but next year she will pay much of her own way through Pittsburg State University — about $12,500 a year if she lives on campus. Born the eighth of 10 children to immigrant Hmong parents, she is the first in her family to attend college.

Sleep Her father died, disabled, in 2010 after a stroke. Her mother, who doesn’t speak English, moved to California to farm after her husband died. Korchi lives with a brother in their father’s home. While taking 12 credit hours at college, she works four nights, 28 hours a week, at a Wal-Mart store from 3 to 10pm. When she’s done at the store on Friday nights and also Saturdays, she changes out of her blue Wal-Mart shirt and into an entirely different outfit. She puts on heels and a T-shirt or a form-fitting dress to work crowds as a model and hostess in Westport or the Power & Light District until about 2am, recruiting pretty and personable young women for CQC Promotions. The Olathe home-based company provides models and party hostesses to companies. Korchi, who is studying fashion merchandizing and wants to be a model and designer, is featured in an ad for an upcoming California car show. For her, the job offers modelling credit and fun

THE BERMUDA SUN

‘It was so exhausting, she said, that she urged her two younger sisters... to do everything they could in high school to get great grades and scholarships.’ along with the $20 to $25 an hour she makes to help save for college. She uses her Wal-Mart money to pay for her car, phone, food, gas and utilities. “When I first started going to college, it was really hard for me,” Korchi said of working full time and studying. “I never got any sleep at all. I had to work almost as much as I went to school just to pay for school.” It was so exhausting, she said, that she urged her two younger sisters, Pachia and Seenhiam, to do everything they could in high school to get great grades and scholarships. “I didn’t want it to be as hard for them,” Korchi said. She said Pachia, 22, is now in her third year at St Catherine University in Minnesota. Seenhiam, 20, is at the University of Central Arkansas. Both, she said, have scholarships that have saved them from her work schedule. Working has costs in terms of time, psychology, social life and, for many, grades. But not for Quentin Savwoir, who has a 4.0 average as a senior at Rockhurst University. Quentin, 26, of Kansas City works full-time and attends school full-time too, See WORK, page 21


THE BERMUDA SUN

SCHOLARSHIP DIRECTORY: A SPECIAL ADVERTISING SUPPLEMENT

MARCH 15, 2013 ■ 21

WORK: The price some students have to pay for college Continued from page 20 while also co-launching a business, Nuts and Bolts, featuring environmentallyfriendly custom underwear for men. His 40 hours-a-week job as a youth advocate at Synergy House, serving homeless teens, is necessary. Rockhurst’s tuition alone is $30,000. He has already mounted more than $10,000 in loan debt. He has a Pell grant for low-income students. The maximum amount is $5,500. Quentin brings home about $1,500 a month before taxes. He has rent, food, utilities, and on and on. “It’s a real struggle,” he said. “I feel like I have a purpose in life, and to achieve that I have to be educated. “In order to be educated, I have to work. It’s not ideal, but I have to work.”

Experience Quentin spent his spring break last week with a stack of books, seated in front of a laptop at a desk in his River Market apartment getting a jump on several projects due at the end of the year. “I don’t even have time to enjoy my 4.0,” he said. “I don’t have a social life. It’s all about work and school.” Colleen Monaghan, 22, an Overland Park senior majoring in journalism at KU, said she also had no choice. Her parents, she said, told her, “‘You have got to get a job’. Not working is not an option.” Colleen tends bar 30 hours a week at The Wheel. Her hope is to someday work in London, and she has a job interview there next week during KU’s spring break. Until she moved back home this year to save money for London, most of her pay cheque went for rent, along with her car and other bills. Some nights she works until closing and grabs a little sleep before heading back to serve the bar’s opening crowd and work into the dinner shift.

■ MCT PHOTO

CLASS: A typical lecture at a North American university. Up to 40 per cent of full-time students in the US now have to juggle work shifts with their studies. “Some nights I only get four hours sleep,” she said. Studies have long shown that working a few hours during college improves academic performance, said Laura Perna, a professor of education at the University of Pennsylvania and editor in 2010 of Understanding the Working College Student. Those studies, however, focus on “traditional students,” she said. They include students who are aged 18 to 24, who work 10 to 15 hours a week and who are enrolled full time while their parents foot most of their bills, she said. Among those students, limited work outside school helps develop skills such as time management, focus and responsibility. In other words, students who are good workers outside college also tend to work well inside college. But there’s also a problem: “The problem is that most kids don’t fit that profile any longer,” said Dr Perna. They’re working much, much more. The work breakdown, according to the National Center for Education Statistics: 40 per cent of

full-time college students hold regular jobs. Among them, three out of five work at least 20 hours per week. Seven per cent of full-time students work full time. Among part-time students, 73 per cent hold jobs. Of those, four out of five punch in more than 20 hours per week. Fully a third of part-time students work full time. This is hardly to say that working during college is new. National statistics indicate that the peak employment year for college students ages 16 to 24 was 2000, the year before the September 11 terrorist attacks. Percentages have gradually been ticking down ever since. While 40 per cent of fulltime students now work regular jobs, 52 per cent did so in 2000. But interpreting the numbers is thorny, said Michelle Asha Cooper, president of the Institute for Higher Education Policy in Washington, D.C. With tuition costs and student loans mounting, the notion that fewer rather than more students would be working seems paradoxical.

“It depends on how you cut the numbers,” Dr Cooper said. “Nationally, we do have a trend of students working more hours.” For some students, finding a job may be harder now than it would have been in the past. After five years of recession, students aren’t just competing with each other for work. Some are going up against their parents. “When the economy tanks and there are no jobs, it can be hard for students to get jobs, too,” said Sandy Bauer, an education policy consultant and senior fellow at the George Washington University Graduate School of Education. Even students with full scholarships feel the need to work to round out their college experience. Bailey Reimer, 21, a senior at KU from Shawnee with a 3.99 GPA receives paid tuition through full scholarship.

Survival “But as far as my living expenses, I pay those myself,” she said, “for rent, and for groceries and for textbooks and stuff like that.” An American studies and linguistics major, she holds two jobs with variable hours, putting in about 16 hours a week. For one, she works out of her dorm room, going over resumes to recruit highachieving students around the country to accept paid fellowships at Education Pioneers. The organization, similar to Teach for America, looks to recruit talented students into leadership positions in education. Her other job is helping students at Shawnee Mission Northwest High School produce their yearbook. Her family, she said, is not wealthy. She is the sole child raised by a single mom. Her dad died when she was four. Although her jobs are not for survival, she said, they enhance her overall college experience. ■


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THE BERMUDA SUN

How to win that scholarship BY CATHERINE LAPSLEY

‘Walk quickly into that interview room with your head up and a smile on your face.’

Bermuda Foundation for Insurance Studies (BFIS)

On April 30, 2012, the Bermuda Foundation For Insurance Studies (BFIS) downloaded 101 applications for BFIS scholarships from www.bermudascholarships.com. These were reviewed by our Scholarship Committee who then picked the top 30 students they wanted to interview. Each applicant had just 15 minutes to impress the committee (several of whom are former recipients of BFIS scholarships). Finally, 13 scholarships worth a total of $451,000 were awarded. So what made those 13 students stand out, and more importantly, why did they do better than all the rest? The following are some pointers to help in your search for scholarship funding.

Do your research There are 130 award providers on www.bermudascholarships.com, many offering several scholarships, so you need to research which ones you are eligible to apply for. For example, if you are about to go to college as a freshman, don’t apply for a scholarship which is restricted to junior and senior year undergraduates. When scholarship providers view each applicant’s profile on www.bermudascholarships.com they can also see a list of other scholarships that student has applied for, and some students apply for every scholarship listed, whether or not they are eligible. That is not good as award providers will then get the impression that the student is someone who is too lazy to research which scholarships are applicable to them. If you want to enter the insurance sector for

ferent essays for different scholarships as you like, to your bermudascholarships. com profile, and then ‘set privacy’ so that each award provider is only able to see the one which applies to their scholarship.

Make it interesting ■ MCT PHOTO

ACADEMIA: Campus life is enriching, but also expensive. instance, then you should not be applying for a ‘turf management’ or ‘dance’ scholarship.

Avoid spell check You must check your spelling yourself. Scholarship providers are looking through lots of applications and if they come across spelling errors they will not spend any more time looking at your application. Why should they spend time reading your application if you could not be bothered to take the time to check the spelling before submitting it?

Profile photo It is definitely best to upload an up-to-date straightforward head and shoulders photo of yourself, wearing either your school uniform or a plain shirt or top. No fashion poses, dark glasses or party pics. You need to look like you take yourself seriously and you

want others to take you seriously too.

Make your essay relevant Grades, extracurricular activities, sports, interests, work experiences, essays and references — these all count and will help the people looking at your application gain a clearer picture of who you are, your values and focus. Some information you cannot change, such as what you achieved at school and your extracurricular activities, but your essay — that’s where you can shine. Also remember that not all awards are focused on high GPAs. There are awards for students who have not achieved top grades. Each scholarship provider states clearly what they want you to write about, and if you ignore their instructions they will not consider your application, however brilliant your grades are. You can add as many dif-

You want the scholarship providers to read your essay and feel that they would like to meet you and learn more about you. It will often make the difference between being called for an interview or not.

The interview At this stage of your education you know about all the usual things, like getting to an interview on time and dressing appropriately, but here are a few more hints.

Practice Remember the people interviewing you are there to give away money, so they are on your side and just trying to learn more about you as a person and whether you are a suitable recipient whom they will be proud to sponsor. So talk — tell them about yourself, your ambitions, what you love to do, how you solve problems, how you stay focused on school work, etc. You can practise this with See IMPRESS, page 25


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WWWBFISBM

BFIS Scholarships 2013 The Bermuda Foundation For Insurance Studies scholarships are open to undergraduate and post-graduate students focused on careers in the insurance industry. - Up to 10 scholarships are awarded annually. - Awards range from $10,000 to $30,000 a year. - Preferred majors include Insurance, Risk Management, Finance, Math, Actuarial Science, Accounting, Economics, Corporate Law and Computer Science. Other subjects relevant to insurance may also be considered. - Students must have and maintain a 3.0 GPA or above. - Applications only accepted on-line through www.bermudascholarships.com - Deadline: April 30, 2013 BFIS also offers scholarships to Bermuda College full-time students taking their Associates Degree in relevant subjects and students enrolled in the Mount Saint Vincent University undergraduate programme.

BFIS provides scholarships, mentoring, internships and career advice to students interested in careers in Bermudaâ&#x20AC;&#x2122;s insurance industry.

www.bfis.bm


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Inspiring a new generation to dance SUPPLIED BY NATIONAL DANCE FOUNDATION OF BERMUDA The National Dance Foundation of Bermuda is committed to supporting the healthy development of Bermuda’s young people through dance. Now completing its first decade, the Foundation has established partnerships with international dance schools and companies to provide opportunities for the island’s dancers to receive world-class training here and abroad, supplementing the excellent foundational instruction students receive in Bermuda’s dance schools. Notably, the Foundation’ s relationship with American Ballet Theatre (ABT) has seen the establishment of DanceBermuda, a threeweek international sum-

■ PHOTO SUPPLIED

TALENT: Last year’s DanceBermuda participants. mer intensive that has offered training and teaching apprenticeships for Bermudian dancers such as Eric Bean Jr, Anna Clifford, Courtney Lopes, Krystal

Lowe, Karissa Roberts, Sierra-Renae DeSilva and Jelani Veney. Running alongside DanceBermuda has been the Young Dancer’s

Programme featuring a curriculum tailored to the developmental needs of students aged nine-12. Over the past 10 years, more than 150 students from Bermuda and abroad have studied together here on the island, forging lasting friendships while studying with a faculty representing the world’s most revered dance institutions. Together with the enduring partnership with ABT, the foundation has also forged ties with The Ailey School, the Debbie Allen Dance Academy, the Juilliard School, Divine Rhythm Productions and the Dizzy Feet Foundation. As a result, master classes and workshops sponsored by long-time foundation donor PartnerRe have featured such dance See DANCE, page 29


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Investing in the future of Bermuda SUPPLIED BY THE BANK OF N.T. BUTTERFIELD & SON For many of Bermuda’s young people, a post-secondary education is essential for their chosen career paths. But in the current economic climate, it can be extremely difficult to find the funds needed for an overseas education. At Butterfield, we understand the challenges and are investing in the development and education of our young people through our scholarships: The Sir Harry D. Butterfield Scholarship (for undergraduate studies); and the Sir A. Dudley Spurling Scholarship (for graduate studies). Each are valued at $25,000.

Character The Sir Harry D. Butterfield Undergraduate Scholarship is awarded to a Bermudian student starting, or already pursuing, an undergraduate degree overseas at an accredited university. This scholarship has been offered every year since 1978 to honour our late chairman, former Rhodes Scholar Sir Harry D. Butterfield, whose distinguished career in public and business life was dedicated to the betterment of Bermuda and Bermudians. Kristyn Dale, our 2012 winner, is currently attending the University

IMPRESS Continued from page 22 relatives, friends, even in front of a mirror. The more you practise the easier it gets. Check out ‘Interview Tips’ under the ‘Resources’ tab on www.bermudascholarships. com There is nothing more frustrating for a scholarship committee than knowing you have a bright student (great grades, great essay, etc) sitting in front of you and they are only giving

KRISTYN DALE of Waterloo in Ontario, Canada, where she is pursuing an Honours Bachelor of Science degree in Health Studies. The Sir A. Dudley Spurling Postgraduate Scholarship is awarded to a Bermudian student starting or pursuing a post-graduate degree at an approved university abroad. This scholarship has been offered every year since 1986 in memory of Sir A. Dudley Spurling; sportsman, former Member of Education, past Speaker of the House of Assembly and, at the time of his passing, vice-chairman of Butterfield’s Board of Directors. Our 2012 winner, Alexis Haynes, attends Queen Mary University of London where she is pursuing a law degree. Each year, Butterfield selects scholarship recipients from among hundreds of deserving applicants. The criteria used in select-

you one-word answers. When it comes down to the final decision, the providers will usually give the scholarship to the student they feel they know more about and who shows potential, even though they might not have had the best grades. Don’t forget that once again first impressions count — so walk quickly into that interview room with your head up and a smile on your face, and if the opportunity arises, give a firm handshake.

‘At Butterfield, we understand the challenges and are investing in the development and education of our young people through our scholarships.’ ing scholarship recipients includes academic achievement, financial need, character, leadership qualities, civic attainment, and involvement and achievements in non-curricular activities, including the arts and sports. If you or someone you know is interested in applying for a Butterfield scholarship, our advice is to not leave it until the last minute. The application requires personal information and information regarding scholastic achievements, extracurricular involvement and the financial data of the applicant or the applicants’ parents (or guardians).

Start now If you plan to apply for a scholarship, get started on your profile on www.bermudascholarships.com now, while you still have time to perfect your information and essays. Don’t wait until the last minute — some deadlines are at the end of March. More than 2,000 students have created their profiles on www.bermudascholarships.com which lists up to 425 scholarships given by 130 award providers. More than $4.7 million

ALEXIS HAYNES Pay special attention to the presentation and proofreading of your application. Also, allow yourself sufficient time to collect the various documents required. Late or incomplete applications will not be considered. This year, all applications for our scholarships will be processed using only the Bermuda Scholarship’s website. To view the full scholarship requirements, check out the Bermuda Scholarships website at www.bermudascholarships. com. Note that the application deadline is the last Friday in March. No hard copy applications will be accepted. ■

IF YOU HAVE QUESTIONS or require more information, contact Simone Gibbons, AVP, Account Manager on (441) 299 3821 or Simone. Gibbons@butterfieldgroup. com.

was awarded in 2012, and when you take into account many of those awards were for two, three and four years it increases overall scholarship commitments to $10.8 million.

Still need advice? View this YouTube video by a Bermudian student, ‘VaShon Williams on Scholarships’. ■

CATHERINE LAPSLEY is the executive director of BFIS. For more information go to www.bfis.bm


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THE BERMUDA SUN

A rewarding career helping others Bermuda Hospitals Board offers a diversity of opportunity SUPPLIED BY BERMUDA HOSPITALS BOARD (BHB) Aaron Wharton knew he wanted a career in healthcare back when he was a student at the Berkeley Institute. As a result, he chose to volunteer at King Edward VII Memorial Hospital to fulfill his school’s community service requirement. He was placed in the Physiotherapy Department. “Even when I was in high school, I realized a career in healthcare meant I could have a positive impact every day on people’s lives,” said Mr Wharton. “And Bermuda Hospitals Board’s (BHB) Student Volunteer Programme allowed me to experience firsthand being in a hospital setting. It was an invaluable opportunity that confirmed my passion for both healthcare and physiotherapy.”

Support Mr Wharton went on to gain a BA degree in kinesiology from York University in Canada in 2010 and then transferred to Manchester Metropolitan University, where he will complete his studies next year with a BSc in physiotherapy. He returns to Bermuda during the summer to participate in the Student Employment Programme, designed to give Bermudians studying in fields with a projected need the chance for employment during school breaks. In 2012, Mr Wharton applied for a BHB scholarship and was a successful candidate. “Receiving the award has allowed me to focus on my academics, instead of stressing about how I would fund my tuition,” he said. “Knowing I have support means I can immerse myself in the whole academic experience.” Although studying abroad in the UK and

■ ISTOCK PHOTO

CARE: Many medical staff gain job satisfaction from improving the health of others. BHB physiotherapist Shanay Scott is pictured here treating a typical patient’s injuries. Canada has proven to be learn more and expand skill challenging, he said this has sets. brought personal growth. “Since it is multi-faceted “My hopes are that my there is a range of areas enthusiasm, knowledge and for practice, such as paldesire to help others will liative care, hydrotherapy, contribute to stellar quality oncology, pain managecare at King Edward VII ment, preventative educaMemorial Hospital.” tion and community physioMr Wharton encourages therapy. young Bermudians “Right now I am with an intergaining a good base est in healthcare of knowledge and to consider parlook forward to ticipating in the applying my experStudent Volunteer tise effectively for Programme while our community and still in secondour patient populaary school, and tion.” WHARTON to apply for the Asked about his Student Employment passion for healthProgramme once they care, he said: “When you go decide to pursue higher edu- home at the end of the day, cation in medical fields. you know you have done “Both these programmes something good for another give students a chance to person and that’s gratifying. learn a great deal, especially “Not all professions if you are open to new expecan attest to yielding this riences and have the right unique feeling.” attitude,” he said. To support Bermudians One of the reasons Mr who are seeking careers Wharton chose to study in the exciting and diverse physiotherapy was because field of healthcare, BHB there is always room to awards $10,000 scholar-

ships to students pursuing careers in medical fields where a projected need has been determined. Last year, BHB awarded $120,000 in scholarships. Students need to have completed two years of college or university education, and must intend to work in the healthcare industry. They must be attending an accredited educational institution approved by a relevant licensing council and have maintained a 3.0 grade point average or equivalent. Successful applicants are expected to work for BHB for two years for each year the scholarship is awarded. ■

FOR FURTHER INFORMATION on scholarships or the Summer Employment Programme, contact 2392134 or wp&d@bhb.bm. Scholarship application forms are available online at http://bermudascholarships.com/donor/BermudaHospitals-Board/39


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DANCE: Encouraging young artists to greater success Continued from page 24 luminaries as the late Ailey School Director Denise Jefferson, dancer/choreographer/producer Debbie Allen, So You Think You Can Dance choreographer Stacey Tookey, and tap masters Jason Samuels Smith and Dormeisha SumbryEdwards. During 2013, the focus of the National Dance Foundation will be on a robust scholarship programme that funds the career aspirations of Bermuda dancers.

Discipline Now in its ninth year, this programme supports study at accredited schools and companies overseas and represents a commitment to continue a scholarship legacy established by the Bermuda Ballet Association before it merged with the National Dance Foundation in 2005. More than 55 students have received scholarships for study abroad representing a total funding invest-

■ PHOTOS SUPPLIED

SUPPORT: The recipients of last year’s Bermuda Ballet Association awards and National Dance Foundation of Bermuda scholarships and bursaries (missing from picture are Genesis Edwards and Karissa Roberts). ment exceeding $300,000. The NDFB has awarded nearly $1million total to local students for training.

SKILL: Malachi Simmons, NDFB bursary recipient.

The application process for these prestigious awards is a rigourous one; candidates must demonstrate commitment and discipline as well as talent, necessary components for achieving success in dance. The five awards range from $7,500 to $15,000. In 2012, the Patricia Calnan Award was granted to Krystal Lowe for study at the Cymru Ballet in Wales; Genesis Edwards received the $7,500 L. John Profit Award in support of her training at Arts Educational in London; Dezjaun Thomas was awarded the $7,500 Georgine Mary Russell Hill Award for study at Ryerson University; and Fredrika Hill received the Madame Ana Roje Scholarship to support her training at the Boston Conservatory. More information about these scholarships is available at www.bermudascholarships.com. The deadline is June 14, 2013. During 2013, the National Dance Foundation will also continue its work to introduce Pierre Dulaine’s Dancing Classrooms cur-

riculum to Bermuda’s middle school system on a pilot basis. Students representing this popular programme enchanted guests at the foundation’s 2012 gala and demonstrated the social development skills the curriculum seeks to instill in its students. The Board of Directors of the National Dance Foundation believe dance opens young people to opportunities for personal growth and development that benefit them through every stage of their lives. Students learn discipline, commitment, dedication, partnership and self reliance in the dance studio, emerging as productive members of our community. The Foundation is proud to play a role in enabling Bermuda’s young people to embark on a future of full of promise. ■

FOR MORE INFORMATION contact Shari-Lynn Pringle at 236-3319 or e-mail ndfb@ dancebermuda.org. See also the Foundation’s Facebook page.


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Finance 101: How to manage your budget BY CLAUDIA BUCK

Helpful sites

The Sacramento Bee (MCT)

Two kids, two college tuitions. Add it up: One very big college bill. For families like John and Ellen Wong of Sacramento, paying for college is no trivial expense. With two teenagers starting university last fall, their total annual tab will be about $66,000. That’s roughly Ellen Wong’s entire annual salary as a public high school instructor. But she and her husband are determined to get their kids through college without student loans. That’s no easy feat at a time when college tuition is soaring and student debt loads are crushing. How to ease the pain? Here are some Finance 101 notes: ■ Have the talk Sit down and talk clearly as a family about who will pay for what. What you want to avoid is a tearful phone call home that your freshman has drained the bank account or overdrafted the debit card. In some families, Mom and Dad pay for basics (tuition, food, monthly allowance) while students cover the rest (off-campus meals, clothes, entertainment). “Each family needs to have those discussions, depending on their finances and what they can afford. You need to be clear,” said Donna Bland, CEO of Golden 1 Credit Union in Sacramento, US. For the Wongs, it’s a little dose of financial tough love. Beyond paying for two tuitions, housing and meal plans, their children have to pay their own way. The Wong siblings — Nolan, 19, a University of California-Berkeley sophomore, and Delaney, 17, a University of CaliforniaSanta Cruz freshman, both got summer jobs. “Books are a priority; incidentals come second,” said Nolan. He buys used books and

■ CashCourse.org

■ MCT GRAPHIC BY PAUL TONG

ADVICE: How to avoid handouts to your children at college. compares prices online at Amazon.com. ■ Do a budget Creating a college budget doesn’t have to be a tedious, laborious process, said Joseph Audette, 29, vice president of financial literacy for San Francisco-based NerdWallet.com. It can be as simple as “writing it on the back of an envelope with pen and paper,” he said, or using budgeting sites like Mint. com, where you can visually track your spending. As a freshman at MIT, Mr Audette used an Excel spreadsheet that listed all his monthly income (scholarships, savings, Mom and Dad) and his expenses (cellphone plan, off-campus meals, weekend entertainment). The exercise “gave me confidence to know what I could spend, especially on weekends,” he said. “Knowing when I could go out, and when it was better to stay in, actually made my life less stressful.” ■ Debit or credit? It’s one of the big debates, especially for freshmen new to money management. One side says a credit card — paid off monthly — is a way for students to start building a healthy credit score. Others say credit cards can lead to freestyle spending, missed payments and a

pile-up of penalties, late fees and rocketing interest rates. Not to mention a beat-up credit history. “A debit card allows them to spend what they have, not what they don’t,” said Ms Bland. She advises college students to set up mobile texts or e-mail alerts that let them know when their account balance is running low. “There’s value in having a credit card, but only for emergencies,” said Ms Bland, such as a medical emergency or a last-minute flight home. Or as Mr Audette put it: “Your first credit card should not be used for spending; it should be used for building credit history.” Which means: Use it sparingly and always pay off the monthly balance. ■ Mistakes happen As any parent of a college student knows, there will be some financial hiccups. The lost laptop, the overdrawn bank account, the late tuition payment, perhaps an off-campus speeding ticket that busts a budget. ■ Don’t despair “There are valuable lessons to be learned from mistakes and this is the time to learn them, while in high school and early in college,” said Ms Bland.

has free financial tips and budgeting help, even how to ‘eat cheap’ in college. ■ NerdWallet.com, a San Francisco-based personal finance site, has a new ‘Education’ blog geared to college students and 20-somethings. ■ WhatsMyScore.org has hip tips on college finances, including apartment hunting, car buying and budgets. ■ ‘Be Debt Savvy’ at www. salliemae.com/bedebtsavvy/, has budget calculators, tips on managing credit and loan repayment advice. ■

What you don’t need Packing for college is all about what you can cram into a dorm room. Here’s what Kiplinger’s financial magazine suggests students can live without: ■ New textbooks: Most campuses sell or rent used textbooks. Check campus bulletin boards, online sites like BigWords.com and CampusBooks.com. If you have an e-reader, digital textbooks can be cheaper. ■ A high-end computer: An inexpensive laptop or desktop computer should suffice. Netbooks are cheap, but small keyboards and slow speed aren’t ideal for college. ■ A printer: Costs can add up so instead, buy a $10 flash drive to save those 20-page assignments, then print from the campus computer lab. Ask about page limits and extra fees. ■ Costly smartphone plans: Cellphone data contracts can run as high as $200 a month. Instead, look at no-contract alternatives, such as Virgin Mobile’s Beyond Talk Plan, which starts at $35 a month for unlimited Web, data, messaging and e-mail. ■ Cable TV: Eliminate cable costs by accessing news and favourite shows online, such as streaming See FINANCE, page 32


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Choice of colleges depends on cost But many students fail to consider time it takes to graduate BY MARY BETH MARKLEIN USA Today(MCT)

Perhaps not surprisingly, money continues to play a dominant role in where high school seniors go to college, an annual survey finds. But it also shows that many don’t consider one factor that could significantly affect the final tab for their degree: The time it takes to graduate. The survey of nearly 193,000 first-time, full-time freshmen at 283 four-year colleges and universities in the US found that 83.4 per cent expect to graduate in four years.

Problem Yet, at the schools they attend, just 40.6 per cent graduate, on average, in four years. Federal data shows that only 38 per cent of firsttime, full-time freshmen who entered a four-year college in 2004 graduated within four years; and 58 per cent graduated in six. Concerns about low graduation rates have been at the forefront of federal and state policy debates in the US recently. In an ‘open letter’, a national commission of college presidents has urged colleagues to make retention and completion a priority, arguing that “far too many (students) never make it to graduation”. Even so, the significance of the problem is “just not sinking in” with students and parents, says John Pryor, director of UCLA’s

FINANCE Continued from page 31 from your computer. ■ A car: Gas, maintenance and parking permits add up, not to mention traffic tickets and repairs. ■ A credit card: The average freshman racks up near-

■ MCT GRAPHICS

EXPENSE: Getting a degree is a costly business these days.

RATIO: Students have to shoulder a large percentage of their education.

Cooperative Institutional Research Program, which released the survey earlier this year. Economist Sandy Baum, co-author of the College Board’s annual Trends in Student Aid and Trends in College Pricing reports, says the primary cost for students who take longer to graduate is foregone earnings. In many cases, students who take light course loads, courses that don’t count towards their degree, or who change or add a major, will pay more in tuition. “We should find ways to communicate better with students about the very different on-time graduation

rates at different institutions,” Dr Baum says. “Students need good information conveyed in meaningful ways.” Just 30.4 per cent of freshmen in the UCLA survey said their school’s graduation rate was a “very important” factor in their college search. Mr Pryor says the lack of attention to graduation rates is alarming, given that record numbers of students are citing economic factors as a driver in their college decisions. For example, 66.6 per cent said they believed current economic conditions significantly affected their choice of college, up from 62.1 per

cent two years ago. And 43.3 per cent said “the cost of attending this college” was very important, up from 40.6 per cent last year and 31 per cent in 2004. Another 13.4 per cent said not being able to afford their first-choice institution was a very important reason in deciding where to enrol, up from 9.4 per cent in 2006, the first year the question was asked. And 9.5 per cent said not being offered financial aid by their first choice was a very important reason in deciding where to enroll, up slightly from 9.3 per cent last year. ■

ly $700 in card debt, according to a study by Sallie Mae. Instead, start with a debit card until students have a track record of managing personal expenses. ■ High bank fees: Be aware so you don’t get hit by out-of-network ATM charges or fees for online transfers, overdrafts, etc.

■ Big meal plan: Don’t load up your student’s meal account. Often, it’s ‘use it or lose it’. Better to start low and see how much he or she eats, then replenish the plan mid-year. ■ Campus health plans: If you have family health coverage, your child may be covered at college. If

your plan does not cover out-of-network costs (say emergency hospitalizations away from home), campus health insurance may be cost-effective. ■ Private loans: Steer clear of private student loans, which typically carry variable rates and fewer repayment options. ■


Real challenges. Unreal rewards.

Yes. It’s as intense as you expect. Tough projects. Tight deadlines. It can be scary. But the growth is incredible. Because you have the support of your peers, the guidance of a mentor and the wisdom of partners to see you through. All of whom never forget they started out just like you. If you are interested in graduate, internship or scholarship opportunities for 2013, we want to hear from you! Visit ey.com/BM/en/Careers to download our 2013 scholarship Yhhda[Ylagf^gjeYf\lgÕf\gmlegj] about a career at Ernst & Young.

© 2013 Ernst & Young LLP. All Rights Reserved.

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Undergraduate Scholarship Award “No one who achieves success does so without the help of others. Thank you to PartnerRe for helping me - I look forward to completing my education and returning to Bermuda to make a meaningful contribution to the business community.” - Carlsen Philip II 2012 PartnerRe Scholarship Award recipient

The PartnerRe Undergraduate Scholarship Award is available to Bermudian students who are pursuing a first undergraduate degree and interested in a career in business. Study must be undertaken at an accredited university or college overseas. Applicants must have completed at least one year of post-secondary study or equivalent at an accredited institution. Scholarship Benefits: – 25,000 USD (or equivalent) per annum over a period of up to three years – A summer placement in an overseas PartnerRe office

Deadline for applications: 5pm on May 31, 2013 Application forms are available on: www.partnerre.com For further details, contact: Scholarship Application Administrator Email: scholarship@partnerre.com Tel: (441) 292-0888


Sch olarsh ips of Ch oice

At Butterfield, we are committed to supporting our local community and investing in its future. Our scholarships provide financial assistance to students with proven potential who are pursuing a college or university degree.

Scholarship Opportunities Undergraduate Scholarship In honour of Sir Harry D. Butterfield, this scholarship is valid for up to four years of study abroad at an approved college or university. The award has an annual value of BM $25,000.

Postgraduate Scholarship In honour of Sir A. Dudley Spurling, this scholarship is valid for up to four years of study abroad at an approved college or university. The award has an annual value of BM $25,000.

This year, all Butterfield scholarship applications will only be processed using the Bermuda Scholarships website. For full details regarding the scholarship requirements, go to www.bermudascholarships.com.

THE APPLICATION DEADLINE IS THE LAST FRIDAY IN MARCH. Hardcopy applications will not be accepted. If you require additional information, please contact: Simone Gibbons, AVP Account Manager Tel: 441 299 3821 | Email: Simone.Gibbons@butterfieldgroup.com

www.butterfieldgroup.com


Pursuing Excellence

We are committed to supporting Bermudians in their academic and career development.

Daniel Pell (pictured above) is the 2012 RenaissanceRe Undergraduate Scholarship Award recipient. He graduated from Saltus Grammar School and is pursuing a mathematical economics degree at the University of Waterloo. RenaissanceRe is a leading provider of catastrophe and specialty reinsurance and we are looking for talented people to join us. We offer an array of career paths in a variety of international locations, and the chance to work alongside some of the most respected people in the industry.

Some of the careers we offer:

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Claims & Underwriting Support Facilities & Office Management Finance & Accounting Human Resources Information Technology

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Investments Legal Marketing & Communications Software Development Underwriting & Modeling

careers@renre.com www.renre.com


Scholarship and Overseas School Directory 2013