UCLA Anderson Experience Questions and Ways to Contact Me

My UCLA Anderson five years reunion is coming up this May and someone has just reached out to me to ask about my UCLA Anderson experience through an old email I have that was posted in a public MBA thread.

First of all, if you have tried to reach out to me through an old email address listed on public thread and have not heard back from me, I apologize, I don't check that email address often. I do want to try to answer any question you guys have about my UCLA Anderson MBA experience so the best way to contact me is to leave a comment on my blog about any question you have and I'll try to answer it promptly.

I'll also try to do a recap of my UCLA Anderson MBA experience at a later date, perhaps after my five year reunion once I feel more nostalgic.

In terms of what I am currently doing now, I'm working on my own health & wellness website full time and hoping to make it as an entrepreneur who can pay my bills, haha crossed finger!

Jakarta Bombing on Two Luxury Hotels: Marriott and Ritz-Carlton

I am vacationing in my home town when this morning, I received news about two subsequent bombings in Jakarta's luxury hotel: JW Marriott and Ritz-Carlton. Nine were pronounced dead and 50+ injured during this bombing attack. It's a sudden flashback on the previous 2003 bombing at JW Marriott where my friend was having a meal at Marriott and the bombing occurred (thankfully she is fine).

It's been 4 years since the last bombing in Indonesia had occurred and we are again reminded that this country may not be as safe as we had believed. Some says that this occurrence is related to the recent president election but again who knows for now.

Some pictures of this attack from an Indonesian website here.

*picture shown is courtesy from detik.com

Business Idea?

There are some arguments that said Business schools make entrepreneurs-wannabe to be scared to start their own businesses instead of prepare them. I can see that. When researching about starting an online jewelry site that sells bangles/bracelet to small wrist women (because i have a 5 1/4" wrist whereas an average size in US is 6.5") make me analyze the market (google trend, google search volume), create financial projections ( look into search marketing and potential click through to my website etc etc). And in the end leave me to conclude that there is too small a market for me to try.

Now when I start telling my friends/ fellow small wrist women about this idea, they say they LOVE and welcome the possibility to finally purchase a small bangle and would love to invest in my idea..

How about that?

I'm on to my next idea .. www.gotousschool.com which this time will not be bursted by too much over analysis..

update for my UCLA Anderson MBA blog

Yes I owe you guys a ton of updates.. i cannot believe that the last I update was before I went to business school and now I've graduated..

Well let's see where to start.. I went in to UCLA Anderson in 2007.. looked into going into i-banking, consulting etc and decided that I didn't want to do any of those. I somehow ended up in a top high tech firm and loved my summer internship experience there. I was doing finance in the firm and love the fast paced high tech world in comparison to my old job and I'm going to return to the company to work in August! Thank God for the job offer.. it has really been tough this year to get a job for MBA students. I wouldn't be surprised if only about 60% of the '09 graduates have jobs by now.

Another update is that I will be staying in US for a lil bit longer than expected before.. I was planning to return straight to my home country but decided to extend a lil bit in US.. maybe permanently .. we'll let you know..

I'm still pursuing my entrepreneurial interest and hopefully will be able to start something before I turn 30..

So that's the super short update that I have for now, if you have any question at all.. feel free to drop me a comment!

Cleaning Up my Closet

Okay 'tis bigger than my closet.. it's my whole room.. In my three years absence.. I had managed to stack all documents and stuff (3 years or 4 years old) in the drawers, cupboard, desk in my bedroom in Indonesia. Last weekend, I've decided to clean them all out.. guess what I've found : my acceptance letter to UCLA undergrad dated in 2003, my UCLA orientation binder from 2003, my junior highschool grade reports HAHAHA.. I have lots of junks there...

but it makes me nostalgic that hey once more I'm at the same turning point in my life where I'm going to US for school.. pretty crazy.. Also remembered that in 2003, before school started, I had decided to perm my hair ( a decision which I had just repeated a few weeks ago and I have been regretting ever since ).. bad hair day for the next 6 months!!!

Anyway, life's good! My last day at work today, will get my salary in hard cash (coz I have no saving account here :P) and hopefully not spend it all out in one weekend.. This weekend is going to be an interesting one though ;) I shall NOT update you guys hahaha ..

Happy fall!

Freaking out

Summer is going to end soon... ohhh... nooo....... In one hand I feel excited... school is starting, I'll be busy.. at the other hand I'm gonna leave Indo.. my friends and my family here :'( I can't believe I've been home for 3 months ..

It's been a really great and different Summer this year.. Met with lots of ppl, new friends, old friends, interesting friends, new found close friends.. Must say that I've learnt a lot from this summer (career wise, relationship wise, my point of view, friendship)..

Going back to LA in 2 weeks time!! Darn time fliess...

dya believe in Horoscope?

Libra

The Bottom Line

Unpredictable changes will make this day different from the day you planned.

In Detail

Today will start off like a cuddly lamb, but it could evolve into a growling lion before you realize it. Unpredictable changes will pop up throughout the day, which could send you down a much different path than you've mapped out. Luckily, these changes will create some amusing moments in your day, so you won't mind altering your plans too much. Expect someone to offer you an apology when none was necessary -- assure them that they don't need to feel bad.

Leadership

Had to go and see the company's big boss today because I had to ask for his signature in the acquisition document. I was supposed to get his signature by Thursday but had forgotten to ask for one document. So there I was, on a Saturday morning non-working day, going to the big boss' house to get his signature..

When I got to his place, he was surprised to see me.. he thought I would have asked someone else to get his signature (couriers or drivers - common in Indonesia) and the craziest thing happen.. he told me "sorry to have bothered you..."

And I'm like thinking.. hermmm this is actually my fault that I didn't know he need to sign this document on Thursday and I'm his employee who needs to get my work done so technically I should be the one who said sorry to bother him on a Saturday morning non-working day to his house.. and there he was... the big boss.. saying that he's sorry to have bothered me..

I told him no it's my fault.. but at the same time am very amazed with this kind of leadership. I've heard of his family's leadership style -pretty known family in Indonesia- who is famous as humble leader and who respect its employees. But hell.. this is beyond! If I were in his shoe, I would have thought nothing of my (going to his place to get his signature) act.. I would have thought: hell yeah you should finish this job and I would have never thought of even saying sorry ...

Maybe it's the influence of Eastern culture ( where ppl are really polite and saying sorry for everything -which I can never understand) but this taught me a valuable lesson - of respecting people who work for you and to be a humble leader.. I have the utter most respect to this family and its leadership style and will always remember this lesson.

Will's question

William's queston :
Found your blog from admission411 website and it's very interesting.

Well, I have some questions related to the MBA interviews + goals and was wondering how you tackled them.

About myself. Born in Jakarta, went to Spore for my secondary school, skip JC, went to US for B.S. in Computer Engr and worked for the past 3 years in the semiconductor company.

I kinda take the whole application for granted. Didn't prepare much and I am sure my essays are very vague. Got dinged by 4 schools and invited to 1 school after I raised my GMAT from 650 to 710 (I think I was lucky enough to given a second chance).

Ok, here are the questions. Btw, thanks a lot.

1. How do you tackle leadership question? What are they actually looking for? The significance? I don't have any supervisory role at work. But I did become Permias President in college. =p

2. Failures. How did you tackle this? I read from the interview guides that they just wanted to know how I rebounce and learn from failures. But, somehow, those failures cannot be just like "lazy" etc. Cannot be too simple and cannot be so huge that there are no recourse.

3. This is a long one....
- In my essay which is very vague, I said that I want to be an entrepreneur in high-tech service provider. Then, I said for my short term MBA goals is to be an equity research analyst.
- Not sure what I was thinking then, but I know it's pretty hard to make the connection of going to IB as research analyst and the long term goal to be an entrepreneur. For most of the Indo student in the US, it's pretty common to go back to be an entreprenur.
- Do I need to have an viable business idea to begin with to tell the interview? How much detail I should be?
- I think I will drop the research analyst short term goal argument (I wanted to say that I want to become an analyst so that I can raise my own capital for my start-up company. Pretty lame, I know...)
- Instead, I am thinking management consulting dealing with start-up for my short-term MBA. Will they buy it?

Ok that's all. Thanks a lot for any help / comments. My interview is on 17th August (Indo's National Day). I hope it's a sign that I will WIN. =p

My Answer:
Hey Will,
shoot me a comment on blog the next time you have a question

To answer your questions :
1. For my leadership question. I wrote about a situation where I implemented a new procedure thus I highlighted on initiative, ability to influence people and ability to carry out a project as well as ability to be a flexible leader. Now in writing about leadership question: bear in mind that the adcoms will read thousands situations that show leadership experience so you want to kinda personalize your experience. Other than just showing the problem - how u respond - end result, also talk about why you solve the problem that way, what characters of yours are shown through the process, what you learnt from this experience. I think for most essays, they really just want to learn more about why you did something and what you learnt from it.

2. Failure essay. I didn't write any failure essay. But if I were to write a failure essay, I would first think about a specific incident where I had failed and see how I have learnt from it, how from that experience I have learnt to not make the same mistake again, or how the failure has changed myself, how it has prepared me better if something like that is to occur again. I think writing about a big failure is okay because certainly it has a bigger impact on you no? My take on essay writing is to concentrate on how the events have impacted myself.. Maybe other people who read this can offer help?

3. Haha I did this same mistake of having a vague short term and long term goals essay. I think it'll really hurt if you dont have a clear goal in mind. How detailed should the goals be? Just make it as detailed as you can envision it. Make the Short term in line with the long term goals as well.. 2 years ago I made the same mistake of not being clear about my goals because I thought how can I write something that I am not sure about.. but I started talking to other people and they told me yup you have to be clear about the goals even though you prob wont end up doing it... So your IB research analyst and then high tech start up haha.. yeah that's hard to argue.. Consulting dealing with start up? herm is it like general consulting right? Is there a specific field of consulting that deals with Start up? ( u have to check on that.. have to back up ur stories with facts). If I were you, I think a short term goal in technology company will make more sense.. or consulting with tech specification. Don't you think? Because if you return to Indo, you will need to have a competitive advantage over other ppl.. get your domain knowledge in tech first and start a tech company in Indo. ok so how detailed does ur essay have to be? I said I wanna go into Global consumer product to learn about the market dynamics.. (marketing, strategy, data analysis) and then with my previous finance working experience, I will go into microfinance in Indo.. well I think it's pretty specific.. for you.. u can say Short term of consulting or tech works, and then combined w something about ur previous working experience, u're gonna open a tech company in indo..

B.A.L.I

Been such a bore lately with my stories bout work and all aint I? Well BORE NO MORE.. Heading to Bali tonight!! Anyone out there heading Bali too?? Luckily I have a friend who works in Bali so tonight he's taking me to check out the night scene in Bali.. a much needed distraction.. I'm only gonna be there for 2 days! Oh MI! Bali is about 3 hours away by flight from Jakarta?? So since I gotta work on Monday, I must be back in town by Sunday night..

I'm also going to Jiwa Spa at Conrad Hotel. Gonna be my first time going to Spa ever.. well I'm actually going for this traditional "lulur" package - an Indonesian spa sort of - Don't ask me what it is .. as I said.. my first time..

So I WAS planning to go with only friendss.. and haD been able to drag my galfriend to Bali.. and then somehow her mom comes into the picture and then my aunty and my cousin (my aunt and the gf's mom are bestfriends) and in the end my mom.. so there you go 3 gals and 3 moms going.. Not complaining coz I'm going to leave the moms in the hotel tonight :P sorry...

Well so my previous trips to Bali had always been filled with Shopping and Food.. Well this time around we're going to the beaches... haha okay i shall stop this excitement :)

Now for my previous trip ...... I went to Hong Kong.. HAHA first time there.. Visited my banker friend who works in HK. Dang I met up with SOOOO many bankerss in 3 days, it's a shame I don't want to do IB. Seriously! I met with associates, associates-turning-directors, banker-turns-PE... (What's the noun for someone who works at Private Equity? analyst at PE??) Anyway you get the point.. the night scene is pretty nice except that it's really hard to get to any clubs without reservations/VIP/ opening up a table. Kinda like Clarke-Q in Singapore but better clubs. The food is goodd... haha well actually I didnt try the street vendor foods coz my friend has only been there for a while and am not familiar with cantonese.. but I did manage to try good dim sum, chinese food, and REALLY GOOD Lobster Pasta.. (Italian food, i know!)

The view in HK is breath-taking! (See the pic above, I took it while at this lounge at the top of the building) Seriously! it's like this beautiful city scene surrounding your life... or maybe because I only went within 7 miles of the heart of the city.. The shocking thing is that I didn't shop at all there.. not a single item.. not a HK souvenir t shirt.. I don't know.. they have HUGEE malls but I just wasn't in the mood to shop.. I did manage to get around the city by myself when my friend was working.. through the bridges that connected the malls.. (Don't judge me.. the city is FILLED with malls and the malls are connected with these bridges..) I basically walked my way from the apartment to three different malls using these bridges...

Okay so that's my summer travel..
Oh got my UCLA parking permit! yai

Happy birthday, Paris!

Paris is 3 years old today.. well okay 29 July 2007.
Happy birthday baby!

Apartment hunting

I'm gonna talk about apartments near UCLA, especially those that allow dogs.. Hahaha since I have a dog, i know how H A R D it is to find a pet friendly apartment in LA..

So this listed below are apartments that allow dogs:
1. www.westsiderentals.com ( got mine from here) but remembering that everyone is using this listing, you really have to be quick to get an apartment
2. Westside Villas try 310 4703141 - am not confirmed bout the phone number but google them( they have a few locations : Santa Monica, Purdue, Beverly Glen) and they allow dogs.. they are quite pricey if you are looking to live on you own
3. Century West Properties they have the listing of available apartments online. some allow dodgs some don't
4. Archstone Apartments - expensive but nice.. the nearest one to UCLA is in Sawtelle I believe..

Now let's not forget our feline friends: most of the apartments stated above should be cat-friendly as well.. also try Barrington Plaza on Wilshire, Villa Azure near Howard Hughes, Westside Terrace on Sepulveda.

Other apartments ( may not be pet friendly ):
http://www.pbmmgmt.com
http://www.lrapm.com
http://www.kmkmanagement.com
http://www.rstrents.com
http://www.mdrents.com
http://www.roque-mark.com

Good luck with apartment hunting.. I'm staying at my current apartment. Was planning to move in with my best friend who's taking care of Paris at the moment coz she has a dog too, but her job is not near UCLA :'(

Going off

Haha I managed to squeeze some holiday time despite my internships.. Am going off (out of Jakarta) this weekend to visit a friend.. and then next weekend I'm heading to Bali.. yeahh babyyy.... Bali here I come :) Anyone wanna join me??

Pretty excited.. hahaha.. though I'm so gonna be exhausted when Mondays come.. ah well..

This weekend.. hehe I need some time off to forget my problems.. forgetting the past, embracing the future.. moving on.. Next weekend Bali.. same agenda :)

The party! How could I not mention it.. It was fun :) Met with long time friends whom I've not seen for at least 3 years.. some for probably 4 or 5 years.. One pet peeve though.. Indons like to flake.. Many people cancelled or didn't give notice of not coming to the party :| must get used to this.. hah.. Met also with new friends.. It's funny tat now I'm hanging out with my blog readers in Indo and we click pretty well (hollaa to u guys ;P )

Btw I met up with some gals at my party last weekend along with MBA grads from Kellog and Berkeley and we were discussing about how some people go to MBA to find a partner.. or how often MBA students whose partners are not B school students would dump the partner and date another B student.. :P or even divorce the partner and hook up with a B school student.. (I've been told............... I cant confirm it.. but they said it happened in both Berkeley and Kellog) .. And the gals told me to start up a blog ( they didnt know i have one) to talk about the eligible bachelors in B schools.. HAHAHA

Another joke would be that a gal would graduate not only with an MBA but also a Mrs.

Hohoho since I'm returning to Indonesia, I'm def not in this boat.. hehe but I'll try to confirm these stories..

On another note, my other Indonesian scholars are meeting up tomorrow in Singapore.. sigh.. too bad I couldn't join them.. In 1998, there were 40 of us went to Singapore to study for our O level.. It's crazy but they're like my close friends.. we don't necessarily keep contact with each other constantly, but there's that bond that connects us.. 40 teenagers having fun/studying together in Singapore.. miss those days :)

Let's see if I need to mention anything MBA related.. I got my student visa.. Heard another Indo gal got her I-20 from UCLA as well, the other Indo guy hasn't gotten his yet.. think some international students at UCLA haven't gotten theri I-20s and getting anxious bout it.. Hang on u guyss.. they're coming (that's what the International Student Officer said in the email)

This whole UCLA thing is turning real as the months draw nearer.. more emails from UCLA to prepare us ( to configure laptop, sign up for email address etc etc.. ) wow.. I can't believe I've been in Indo for almost 2 months.. Am leaving in 5 weeks.. wow gonna b pretty sad bout it :'( many good friends in Indo to leave behind..

A life worth living

I wonder if this is what banker does

The company that I worked for is acquiring a bank which provide micro-loans to people. (Notice: Acquiring and Microfinance). Part of what I do day to day is of course learn about microfinance in Indonesia and how the loans are structured ( as compared to in Bangladesh/Phillipines/etc). Now the other part is spent in preparing the documentations to acquire this bank to be submitted the Bank of Indonesia.

The documentations work this way : meet with lawyer and the bank officers. Done with meeting. Lawyers disburse us some documents that we need to work on. Each party fill in the parts that each of them need to fill and collaborate in parts that they need to write together. Our company writes something, reviewed by lawyers, reviewed by the Bank officers, reviewed by us again, reviewed by lawyers again, reviewed by the Bank officers again ( totally not in order, anyone can review anyone's works).. Although this is not as tedious and painstaking as the process described at Monkey Business, I can only wonder if this is what Banker in M&A does... Is what is written in Monkey Business true? Someone enlighten me...

But anyway, I realize I enjoy working with people (read: go around meet people and not sit on my ass 8 hours a day which will drive me crazy one day)..

On another note, I'm throwing a party at my place this weekend! Wii.. what party? no ocassion just feel like throwing one.. The last one I threw a party at my house was in 2003 and really enjoyed it.. So updates later. Was planning to invite around 20+ /30 people but now the guestlist become 40 :O HAHA

My Internship Experience

is different... I've been away from Indo way too long.. My first week at work and I had merely spent USD$1.4 for lunch at a very simple house-turned-restaurant. I had to walk on a small alley to get to this 'restaurant' ( small alley as in I can extend both my hands and that's how wide the alley is). That is by far the cheapest lunch I've ever spent on during my current stay in Indo... The food are served in a cupboard ( not fridge or hot stove) and people are free to pick the food themselves. From where I sat, I could see people washing plates using big buckets.. and thank God I could only see half of that room.. Well the food is good though.

Another experience would be that I had riden on a 'Mikrolet' ( see picture) once again after about 10 years. I was kinda hesitant on riding it but since my other co-workers wanted to ride 'Mikrolet' to get to the restaurant, I had to follow.. I couldn't be a spoiled whiner by refusing to ride on one.. So for you who don't undersand my hesitation... sometime it's not safe to ride on the public transportation in Indonesia (pick pocket, bully, etc etc )

These are all things that I had not done in 8 years ( since the last time I moved to Singapore for my high school). Funny thing is I didn't even remember missing these experiences.. These all seem a life time away from my time in Singapore or LA. HAH but I guess my going back to Indonesia this time really introduces me to life in Jakarta again. Had I join the XXX bank which is famous for recruiting overseas graduate, I would have never riden angkot or eaten at some random 'restaurant' ( coz in the building they will have clean and nice cafetarias or restaurants). Hanging out with my friends don't help either because most of the overseas graduates are already used to our overseas lifestyle that we wouldn't even think of doing this..

Okay so now about the job.. still interesting but sometime tedious.. Today for example, I just didn't feel like doing anything.. I miss the freedom to step outside and get coffeebean or starbucks (they dont exist in my office building).. to refresh myself /save myself from the sleepiness.

Now other than the job.. I had attended a friend's wedding during the last weekend. While I sat at the church, I couldn't help thinking bout.... Paris... and having Paris on my weddng day as the ring bearer.. Him wearing tuxedo, walking along a small cute girl in her green dress ( no pink thank you.. saw too much of it )
HAHAHAHAHA i'm sorry but that was what I was seriously thinking about..

and then there's this poem that is ringing on my head.. it was posted on my dentist's wall. In the past, while waiting to see him, I would stare at it and try to memorize it but I never could.. It's about love..
it said something about Love is not loud, it's not boisterous.. bla bla bla.. and I can't remember the rest.. a friend said taht it's from the bible.. 1Cor 13.. I didnt think so but still I couldn't find that full poem..

Steve Jobs' speech at Stanford

Bluetulip had just posted steve jobs' speech during Stanford's commencement in 2005.

It's both sad and inspiring to read that speech for a second time, especially in this time of changes where I often ask myself am I following the right path or questioning God/Whoever why I meet that person and there has got to be a reason for everything..

I will try to follow this words:

Again, you can't connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever.

I got an internship

at a start-up microfinance bank in Indonesia.. HOHOHO SO I'm pretty excited.. Going to start work tomorrow. And my visa interview is tomorrow too so wish me luck. You'll have a report of me crying tomorrow if my visa application is rejected..

arniway.. more on the internship : it's an institution that wants to acquire another bank and wants to inject more capital to the bank. It aims to be the first microfinance bank in Indonesia. So I'm gonna be this person (who will head the bank) 's personal assistant.. haha okay not a very glamorous job. but hey i'll take whatever I can get to learn bout microfinance in Indonesia. It's been pretty good since the past week I've been beefing up on my readings bout microfinance. Had finished reading "Banker to the Poor" by Muhammad Yunus, and a few other articles on microfinance in Indonesia.

Now this internship didn't really come smoothly.. I was actually interviewing with another XXX bank in Jakarta and was offered a position in marketing but then this microfinance offer came up and I couldn't let it go.. Funny thing is I actually got this MFI internship through this blog's reader.. Now wow.. who knows blogging could help me this way :) Thank you btw :)

Okay so I have no idea what my hours are like at this new job but I imagine it should be pretty hectic. Wish me luck :)

Other than this internship, I've been meeting with old and new friends in Indonesia. It's great to be back and socialize in Jakarta from a vaccuum of almost 3 years. I'm really excited about the opportunities available in Indonesia and will definitely return back to Indo in the LR.

On the down side, I actually have not been travelling much.. Haven't gone to Bali yet and I've also promised to visit a friend in HK.. Will update you guys and do share of your experience in waiting to start for B School..

In Memory of an Anderson MBA '07

I never know Carl Peter Odebjer but I'm sure he will be missed by the Anderson family, his family and friends.

ASEAN Scholarships for Indonesia

Click HERE for more info

The ASEAN Scholarships for Indonesia is tenable for 4 years leading to the
award of the Singapore-Cambridge General Certificate of Education 'Advanced'
(GCE 'A') Level (or equivalent) certificate.

The Scholarship is for studies in selected Singapore schools from Secondary
Three to Pre-University Two and is renewed annually, subject to the satisfactory
performance of the scholar.

Students from Indonesia are welcome to apply for the ASEAN Scholarships for
Indonesia to enter Singapore schools at the Secondary Three level. Candidates
who are not short-listed for the scholarships will be considered for the Merit Awards.




Students who meet the following criteria are invited to apply for the scholarship.
1 Nationals of Indonesia
2 Between 14+ to 16+ years old
3 Sat for SMP 3 National Final Evaluation Examination (EBTANAS/UAN) and
have done consistently well in school





Any dates given below are tentative and are subject to changes.
1 Application period - 2 June to 20 July
2 Selection test dates - mid August
3 Selection interview dates - late September
Candidates short-listed for the selection test/interview will be notified a week
before the selection test/interview dates
4 Award of scholarship - early to mid October
5 Arrival of scholar in Singapore - late October





1 Singapore Consulate in Pekanbaru
2 Singapore Embassy in Jakarta
(Address: Embassy of the Republic of Singapore
Gedung Graha Surya Internusa
19th Flr
Jln HR Rasuna Said Kav X-0
Jakarta 12950 Indonesia)
3 Singapore Ministry of Education

Please click here to download the application form





The selection tests and interviews will be conducted in the following cities:
1 Medan
2 Jakarta
3 Surabaya (if there are sufficient candidates)



1 Allowance of S$2,200 (Secondary) / S$2,400 (Pre-University) per annum
with hostel accommodation
2 S$400 settling-in allowance (once only)
3 Economy class air passage to Singapore and back to home country upon
completion of course
4 Waiver of school fees and donation to the Education Fund
5 Waiver of GCE 'O' and 'A' Level examination fees (once only, if applicable)
6 Subsidised medical benefits and accident insurance cover
7 Bridging courses (if applicable, in Singapore before start of course)
8 THERE IS NO BOND ATTACHED TO THE SCHOLARSHIP