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Own It Realtors Capitalize on What Makes Them Unique
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4cover feature
10 One of a Kind
OWN IT: Realtors
12 Women in
Capitalize on What Makes Them Unique
Entrepreneurship Conference
Sharika Tucci
14 Inspiring Hope
Erna DeGraff
Erica Smith
Ambika Scott
16 At Your Service
Johnette McNeil Cover Photo By Studio 57 Photography
Samali McFadden
Yukio Swan
Tamika Todd
18 Single Parents 20 She Leads 23 Show Yourself a Little Love
24 Prepare Your Body for Pregnancy
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contents fall 2019
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18 20
PUBLISHER & EDITOR
Katrina Ball ADVERTISING SALES Wanda Brown wanda@knbmediagroup.com 333-1925 Alicia Resnik alicia@knbmediagroup.com 236-9218 DESIGN & PRODUCTION Picante Creative CONTRIBUTING WRITERS Alicia Resnik, Dr. Ayesha Peets-Talbot, Jessica Maiato, BHS CONTRIBUTING PHOTOGRAPHER Dionne Nelson Studio 57 Photography MARKETING DIREC TOR Katrina Ball 504-2937 Inspire Women is published annually. Reader correspondence and editorial submissions are welcome. We reserve the right to edit, reject or comment editorially on all material contributed. No portion of this magazine may be reproduced without express written consent of the publisher. The opinions expressed by contributors or writers do not necessarily reflect the opinions of this magazine. Distribution of this product does not constitute an endorsement of the products or services herein. C O N TA C T U S katrina@knbmediagroup.com Tel: 504-2937
www.inspirewomenmag.com
thoughts
PHOTO BY TIMELESS TREASURES
OUR
Celebrating Exceptional Women Leading in their Fields
T
his issue we recognize 8 incredible leaders, future female leaders and entrepreneurs. Their commitment, perseverance, determination and passion are truly an inspiration, and there is much we can all learn from these exceptional women. I hope you enjoy reading their stories and how women are giving their time to lift up those who follow after. Be sure to read She Leads and how our schools and entrepreneurs came together to mentor, influence and inspire young women.
The BEDC has focused specifically on female entrepreneurs to inspire and connect with each other and speak directly to the challenges in business women experience. It’s an honor to be able to celebrate these women and those who inspire leadership in others. To your success.
Katrina Ball
Publisher & Founder Katrina@knbmediagroup.com
Inspire WOMEN 3
COVER
Own It
story
BY ALICIA RESNIK Photos By Studio 57 Photography
Realtors Capitalize on What Makes Them Unique Every Client’s Needs Are Unique. It’s Important For Them To Know That A Business Is Willing To Adapt To Their Specific Needs. I Provide Customized Property Management Solutions.”
SHARIKA TUCCI, MASTERKEY MANAGEMENT LTD. Sharika Tucci is the owner and Managing Director of Masterkey Management Ltd. She’s been a property manager and held a real estate license for 16 years. Before opening Masterkey, she worked for Coldwell Banker, the Department of Works and Engineering, Starr Excess and XL Financial Solutions. Mrs. Tucci’s career path began in insurance. “I obtained my bachelor’s degree in Actuarial Science because of my aptitude for mathematics. With the insurance industry being so strong in Bermuda, it was a logical decision,” she worked as an Assistant Underwriter for XL Financial Solutions. “After a few years in the industry I found it wasn’t
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my passion.” Growing up she was interested in architecture and saw the opportunity to incorporate her interests and skill sets. “Real estate was a perfect blend - especially with property management. It is less sales driven, more organizational management plus the understanding of financial statements and the legal aspects of real estate.” Having a family was also the driving force behind Masterkey. “It was challenging to find balance working a traditional ‘9 to 5’. Not being able to pick up my daughters after school or drive them to activities. This allows for more flexibility.
I can leave at 3:30pm then return to my desk later.” Masterkey specializes in property management. Mrs. Tucci says she loves the flexibility of directing the quality of service she gives her clients. She provides services for all property types including residential units, condominium developments, commercial properties and holiday homes. She also offers a residential rental agency service. In the future she plans to grow the condominium side of the management business and take on larger developments. For Mrs. Tucci the best part of her job is easing the burden of
property ownership for her clients. “I love helping people and making their lives easier - by finding them a tenant or by them knowing their property is being taken care of. I’m a people pleaser.” The most challenging aspect of owning her company has been learning to set boundaries. “Saying no to business opportunities that aren’t the best option, or requests that are unreasonable is difficult. When you’re an entrepreneur it’s easy to want to please everyone, but you must set boundaries for your own well-being, to ensure you’re healthy and able to continue doing what you love.” Mrs. Tucci credits her success to her Christian faith and says she’s able to exhibit God’s love through her interactions with her clients, customers and contractors. “I exhibit patience to those that are frustrated,
kindness to those who are unkind and compassion to those dealing with challenges.” She’s also grateful for the committed support of her husband, Salvatore, and her daughters, Zariah and Lexiana. “I formed Masterkey for my family but certainly couldn’t have done it without them! Sal encouraged, counselled and celebrated me every step of the way! My daughters have seen the blood, sweat and tears that go into entrepreneurship and have gained an education beyond the classroom.” Mrs. Tucci jokes, “My daughters could probably do quite well on the real estate licensing exam just by what they’ve experienced during my 7 years in business!” Homeowners tips? She says “Check, maintain and plan.” • Check periodically for leaks, malfunctioning services, loose
•
•
hardware or invasive plant growth. Identify problems before they become major issues. Maintain your property with regularly scheduled service visits to extend the life and improve the efficiency of the various components of your home. Plan ahead to fund the cost of future upgrades - for your kitchen and bath, lighting or landscaping. Upgrades maintain the appeal of your property as it ages.
Sharika Tucci, 441-234-7287 (w), 441-300-7287 (c). www.masterkey.bm. Email: sharika@masterkey.bm Twitter: @SharikaTucci LinkedIn: sharikatucci. Facebook: masterkeymgt.
Show your property well. Paint, declutter, landscape, do all necessary minor improvements so your property shows in its best light.”
ERNA DEGRAFF, MAINPOINT REAL ESTATE LTD. Erna DeGraff is the Broker of MainPoint Real Estate Ltd. Aside from providing a full real estate business, she’s a certified appraiser, providing appraisals for various requirements. She’s been a member of the Royal Institute of Chartered Surveyors since 1998.
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Her journey began at the Ministry of Works and Engineering in 1991. “I happened to fall into the career. I took a 6-month program in the Estate’s Department. During the 6 months you have to decide if you want to continue.” She did and obtained her 2nd degree from Sheffield Hallam University in the UK. Her first degree was from Mount Saint Vincent University, Canada. After completing her studies in England, she returned home to continue working for the Ministry of Works and Engineering. Mrs. DeGraff sought to challenge herself further by taking a step into the private sector and joined Rego Sotheby’s International Realty where she was employed as a Valuer for 12 years. In 2016, she birthed MainPoint. “I’m grateful for the excellent foundation and experiences I’ve gained. These opportunities helped me venture forward on my own. Now I put all my hard work, energy, enthusiasm, gumption and prayer into
MainPoint.” Three years later, she has an impressive team of 8 agents, offering a host of services from sales, rentals, property management and maintenance. Mrs. DeGraff advises property owners to listen to the advice of their agent. “If your property needs work, the listing price must reflect it.” A home appraisal is important because it determines the estimated market value of your property. “Appraisals are required for many different purposes. Bank, probate, divorce settlements, estate planning and if you desire to know the value of your property.” Top aspects when determining property value? She says, “Location, condition, floor area and acreage. The better maintained a property is the greater the value.” For Mrs. DeGraff the best part of her job is being out in the field. “I didn’t want a job that involved being in the office all day. I like flexibility being out, coming back to the office, meeting new people, seeing what’s
on the market.” She says as an Agent and Appraiser, she gets the best of both worlds. “I love visiting properties, admiring Bermuda’s architectural beauty, seeing tucked away streets as I travel from the east to the west!” She advises young Bermudians to consider the valuations profession. “There are only 6 firms who carry out valuations. We need the next generation! It’s a great career option, a rewarding job and a good pay-check!” Mrs. DeGraff says she’s grateful for her husband Alvin, and her daughter Yasmin, who have been her greatest supporters. MainPoint Real Estate is a full-service agency. Whatever your real estate needs may be “Let us be your MainPoint of contact!” Erna DeGraff, BA, BSc, M.R.I.C.S. Tel: 441-335-0984. Email: mainpointrealestate@gmail.com. Website: www.mainpointrealestate.com
I enjoy working for myself. It allows me to provide a level of service to my clients and prospects that I feel they will benefit from. It also provides me with more flexibility to meet my clients’ needs.”
AMBIKA SCOTT, MOONGATE REALTY “I enjoy working for myself. It allows me to provide a level of service to my clients and prospects that I feel they will benefit from. It also
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provides me with more flexibility to meet my clients’ needs.” Ambika Scott, Moongate Realty. Ambika Scott is the Owner and Broker of Moongate Realty. She’s been a real estate agent for 9 years, opening Moongate Realty in September 2014. Prior to real estate, she worked in the corporate sector providing accounting services. Mrs. Scott says she loves the versality that working as a Broker brings. “What keeps things interesting is that no two days are alike. From showing properties and meeting with clients, to marketing and photographing homes, and administrative duties. She considers herself to be a ‘jack of all trades’ and takes pride in showcasing the properties she represents. “Images are the first impressions a prospective renter or buyer has. I’ve become quite skilled at photographing and illuminating Bermuda’s homes in their best possible light.” She’s also passionate about closing deals on behalf of clients, assisting prospects with finding the perfect property and having the opportunity to be up close and personal with Bermuda’s housing inventory. “When my clients’ needs are met, whether it’s from a sales, rental, or property management standpoint, that’s when I know I’ve provided the level of service they deserve.” Mrs. Scott says a challenging aspect of being a Broker is working on a commission basis. “Agents spend a lot of time and resources working in advance of receiving an income. This has taught me about the workings of blind faith and the famous quote ‘faith without work is dead’. I work towards an invisible goal daily because I cannot dictate or determine when I will sell or rent a home or take on a new property management client.” Aspiring agents should be prepared to work hard. She says, “A key rule in many real estate books is to have 6 – 12 months emergency funds set aside in the event you don’t close on a property right away
(this wouldn’t apply to someone working on a part-time basis).” She also recommends that all agents carve out a niche in the industry that’ll set them apart from their competition. “Each individual has their own style and talent. Find out what you can do to attract and retain clients.” She advises new agents not to give up when things are challenging. “Keep the end in view even during times when it feels like there’s no pot of gold or rainbow in sight. A career in real estate can be rewarding if you’re prepared to sacrifice and remain focused.” Top tips for homeowners? She advises clients to: • Write a checklist of your ideal home prior to starting your search. • If you’re not a cash buyer, obtain pre-approval so you know what price range you should be looking in.
•
•
When you’re ready to start your home hunting journey, contact Moongate Realty. We can show you any home listed for sale island wide. Take your time when choosing your perfect home. You want to ensure it’s a home you’ll fall in love with over and over again. “Purchased with sense, paid in full and managed with reasonable care, real estate is about the safest investment in the world.”
Ambika Scott Address: P.O. Box 594, Warwick WK BX Tel: 232-2387 Mobile: 735-2386. Email: ascott@moongatebda.com Web www.moongatebda.com
Helping people purchase their first home is very rewarding. We help clients from start to finish. The whole aspect – the lawyers, the bank, everything. I enjoy seeing the excitement and joy of clients purchasing a property.”
JOHNETTE MCNEIL, JBM REALTY & ASSOCIATES Johnette McNeil is the Owner, Broker and Manager of JBM Realty & Associates. She’s been in the real estate business for 16 years, starting out in sales and rentals with W.J. Seymour Real Estate. “We’re a small company, but we have a great team of agents. One of our agents, Mr. Phillip Smith, is a veteran in the business, with over 30 years’ experience. Phillip was a great mentor to me when I started out in the industry with W.J. Seymour.”
JBM Realty specializes in rentals, sales, property management and vacation rentals. With a staff of 5 fulltime agents and 4 part-time agents, Mrs. McNeil manages the daily operation of the business plus being out in the field. “Owning your own business takes lots of time management, afterhours, late nights, and early mornings.” As a parent of three boys, she understands the demands of juggling a busy family and says having support is essential. “My husband has his own alarm system business. However, he is
Inspire WOMEN 7
there to support me at any time with my business as needed.” Prior to real estate, she was a hairdresser and owned ‘Mane Attractions’ salon. When the owners of the building decided to turn it back to a residential property, Mrs. McNeil says she felt it was a good time for a change. “I was working in real estate, doing hairdressing and getting my associates degree at Bermuda College. Plus having a family. I look back and wonder how did I manage? I often asked, ‘what am I doing?’” She says she often thought of giving up her studies but decided to persevere. “When you’ve dedicated so many years of time in completing classes, I just felt motivated to finish. By the grace of God, I achieved my goal.” During that time, she says she’d be doing hairdressing, running to show a property then going to class. Real estate eventually took over and she decided to make it a full-time career. Mrs. McNeil says her favourite part of the job is sales and the most challenging, is keeping up with paperwork. “We have administrative assistance, but there are some tasks that only I can do.”
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Advise to aspiring agents? She says “It’s a very gratifying job, knowing you’ve helped someone purchase or rent their first home. It also has its challenges. You receive phone calls, text messages, and emails all day long. Time management is important as well as having a great passion for the job. If you enter this field just for the money and don’t have a real love for it, then it will be a very short-lived career.” She also recommends the importance of marketing yourself. “You have to get out there and sell yourself. Don’t be afraid to talk to people. You have to put in the hard work to see the rewards in this industry.” When selling your home, Mrs. McNeil says it’s important to stage your property. “A home receives the most attention from potential buyers when it’s first listed. Clear clutter, clean and make repairs, putting your home’s best foot forward is essential for potential buyers.” Making your Realty dreams a reality! Johnette McNeil Email: johnette@jbmrealtyandassociates. com Cell: 441-331-5532, Tel: 441-234-2050.
I love helping people make their dreams come true! It’s very special working with a client who’s the first in their family to buy property or with a client seeking to create generational wealth with real estate.”
TAMIKA TODD, PLATINUM REALTY Tamika Todd is the Broker and Owner of Platinum Realty. Upon opening its doors in 2005, she was the youngest real estate broker in the industry. She brings over 20 years of real estate experience to every client consultation and negotiation. Platinum Realty specializes in educating its sales and rental clients and customers, property management, and real estate investment. Platinum is a global agency, assisting clients based around the world with real estate locally and overseas. Ms. Todd’s a past winner of the Most Diligent Real Estate Agent, Best of Bermuda Award. She’s also a certified educator, writer, and Board/ committee member of worthy organizations. Most
importantly, she enjoys living life to its fullest! Real estate isn’t just about selling and renting homes or making a commission for this real estate maven. “I enjoy the journey alongside my clients! Special relationships have developed over the many years. Helping clients meet their goals is my priority. I’ve walked away from deals where my commission was high, but the deal didn’t feel right.” She says it’s important for clients to find a property that meets their short and long-term desires. “I don’t want to see a client in a situation that isn’t right for them or places them in a financial crunch.” Prior to real estate, she was an Investment Accountant. “While working full-time in international business, my entrepreneurial venture was growing. I made the leap to do it full-time. I had clients trying to purchase homes. After referring many to realtors, I took an Agent’s suggestion and sat and passed the real estate exam. My client list grew. Business grew. Platinum Realty was born and grew! I never dreamed I’d be where I am
today! It’s humbling.” Coming from a professional background in finance, she feels it’s important to prepare clients for what may be the largest financial decision of their life. “I assess my client’s current situation. Then, I help educate them on the process – all the pros and cons, the industry’s language, etc. I want clients to feel they’re in a safe place to seek answers to their questions.” Ms. Todd says she loves all aspects of real estate. “With vacation rentals, I get to showcase Bermuda and develop worldwide connections. With global investment, I enjoy exploring properties and cultures around the world with my clients.” The most challenging part of her career is education. She feels that professional development should be ongoing throughout the industry. “As a small place, we have to stay on top of things. We’re a small nation doing big things. Staying relevant and informed is key.” Whether purchasing, selling, or renting, she advises clients to do their homework. “I allot time to get answers to my plethora of questions
in order to help clients through the process. As a new buyer or renter or a non-seasoned client, your focus may differ from your realtors. You may be caught up in the staging, the landscaping. That’s where a wellversed realtor, like myself, comes in.” Advice to homebuyers? Ms. Todd says, “Do your research. Evaluate your reasons for buying. Is it an emotional decision? A strategic one?” She recommends assessing your finances. “It’s one thing to purchase a property, it’s another thing to keep it. I don’t recommend anyone buy or sell when they feel desperate. Breathe, reflect, research, then make a move.” Finally, she stresses the importance of self-education. “In tandem with Platinum Realty’s educational resources, you have the university of Google and TedX. Educate yourself; gain understanding. I’ll help guide you to being prepared for when the journey is supposed to happen.” Outside of real estate, Ms. Todd enjoys spending quality time with loved ones, traveling, watching sports, reading, and being on the water. Tamika Todd Tel: 441.238.6037. Fax: 441.238.6035. Email: info@platinumrealty.bm. www.platinumrealty.bm. Twitter: platinumrealty@bdahomes.
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ONE of a KIND BY ALICIA RESNIK
Photo Submitted
Sanali McFadden 10 Inspire WOMEN
“The property’s natural beauty lends itself to a holistic wellness environment. Our spa, located within a natural cave with treatment areas on floating pontoons, makes us one of a kind in the world.” — Ms. Sanali McFadden, Director of Natura Spa, Grotto Bay Beach Resort
s Sanali McFadden has lived and worked around the world. Her interest in spa design was inspired by her travels in Asia, especially India, Bali, Thailand & Sri Lanka. With 19 years in the industry, she supports the philosophy of spa therapies and massage being an integral aspect of your wellness regime. Originally from Sri Lanka, her career path began in the airline industry as a Flight Attendant for Sri Lankan Airlines and being a Trainer/Administrator at Oman Air and Emirates Airlines. Ready for a change, Ms. McFadden enrolled in the Atlanta School of Massage (ASM). “I wanted a career more rewarding and slower than the busy corporate world, like a Massage Therapist.” Massage is part of life in her culture. “I remember as kids running around, then getting a massage from mom or grandma before our bath time. In Sri Lanka, it’s not considered a luxury, it’s integral to your well-being.” She chose ASM because of their Anatomy and Physiology Program. “It felt like being in the first year of medical school – we studied the body’s musculature in such depth.” After completing the program, she was offered a teaching position in the school. While teaching, she also maintained a private practice and was promoted to Assistant Director of the school’s Spa and Wellness Program. “My clients came from many walks of life including the Atlanta Braves and the Falcons. We dealt with sports related issues with focused clinical work as well as relaxation.” While teaching at ASM, she was offered the opportunity to create and open a spa in Bermuda. She was part of the Samadhi Spa’s design team which created the spa at Newstead. “I worked in collaboration with the architects. It was designed the way I envisioned it, introducing the Asian approach, even in the decor. The spa treatments were designed to treat the root cause not just the symptoms - the basis of Ayurvedic medicine.” During her time at Samadhi, she became familiar with Grotto Bay. “There was a demand for spa services, but they didn’t have a spa, so we sent therapists over.” From Samadhi at Newstead, she transitioned to Grotto Bay. “Natura Spa started with one make-shift spa room.” As demand grew so did the need for space. “I saw potential in Prospero’s Cave, and we decided to offer massages in the cave with a tent, few lights and a CD player. It became a hit.” Needing more space, Mr. JP Martens, the General Manager and herself, envisioned expansion with floating treatment rooms on the
lake within the cave. With careful consideration and government approval, her dream became reality. “We take great care to preserve the cave’s living eco system. All products used for treatments are organic with natural preservatives. Even the cleaning is done with natural products.” Ms. McFadden credits the success of the spa to her team. “Our spa team consists of mostly local therapists and others from places like Bali, Scotland and Jamaica. Some came with experience, others straight from massage school. They all go through vigorous in-house training with emphasis on anatomy, physiology, clinical Western and holistic Eastern techniques so they know how to treat the body as a whole unit as everything is interconnected.” As a therapist, Ms. McFadden says education is key. “It is important to educate our clients about massage being a vital part of preventative health measures. There’s a lot more to massage than just fluff, buff and froufrou!”
Settled among acres of woodland preserve and overlooking the azure ocean, Grotto Bay Beach Resort & Spa, is where you'll find a truly all-inclusive Bermudian experience.
Bermuda’s only resort offering All Inclusive Supplement
Contact us: reservations@grottobay.com • Local: 1 (441) 293-8333 Toll Free Reservations ( USA & Canada ): 1 (855) 4GROTTO or 1 (855) 447-6886
Inspire WOMEN 11
Pow[Her] up at this year’s
WOMEN IN ENTREPRENEURSHIP
BY COLINA OUTERBRIDGE, BEDC DATA & POLIC Y ANALYST Photos Submitted
CONFERENCE Every year during Global Entrepreneurship Week (GEW) in November, the Bermuda Economic Development Corporation (BEDC) highlights the impact that Women have had and continue to have on entrepreneurship in Bermuda. Some of the types of events that the BEDC has hosted include breakfast workshops, luncheons and cocktail receptions to highlight the contributions of women entrepreneurs to the overall development of Bermuda’s economy. In 2018, the previous efforts and events culminated into BEDC hosting its first annual Women in Entrepreneurship Day conference. This event was the result of feedback received which saw women asking for more. More support, mentorship, resources and education.
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With support from Butterfield Bank, the US Consulate Generals Office and HSBC Bermuda, the full day Conference, themed “Upgrade to ShEO” was held on Friday, November 16 at Rosewood Tucker’s Point in conjunction with Women’s Entrepreneurship Day (WED). WED is an international campaign that intends to educate the world on the importance of empowering
women in business globally. Over 200 women attended the day-long event that featured international guest speakers Stacey Ferreira, CEO of Forge, and Shelly Bell, founder of Black Girl Ventures Foundation, along with a panel of eight inspiring local speakers including Nishanthi Bailey, Tania Kowalski, Christie Hunter Arscott, Pamela Barit Nolan, Kristin White, Trina Roberts, Kidist Emery and Gaynete’ Jones. Attendees enjoyed a continental breakfast and buffet lunch, while spending the day learning about topics such as Alternative Ways of Funding and Navigating in a Male Dominated Industry. Breakout sessions included topics such as Managing Work Life Balance, Leveling Up: Moving to the Next Level, Cultivating Connections and Developing your Personal Brand. The feedback from those that attended was that it was an awesome experience and people were excited about the plans for next year. After the excitement and success of the event last year, BEDC is excited to offer the 2nd Annual WED Conference themed
“Pow[Her]”. Lead coordinator of the event Colina Outerbridge, BEDC Data Policy Analyst, has formed a planning committee with local entrepreneurs and businesswomen; Danielle Paynter, Gretchen Conyers and Alison Corday. Ms. Outerbridge said, “We want to be able to cater to more participants this year and to step it up a notch. The goal is to provide attendees with the powHer to achieve their goals as entrepreneurs.” With a focus on women empowerment, the 2019 WED Conference will be held on Tuesday, November 19th at Hamilton Princess. The cost of the event will include access to the venue, swag bags, continental breakfast, lunch, morning and afternoon snacks, a vendor pop market experience, networking opportunities, and it will be followed by a cocktail hour. The international component will still be a feature of the event with an invitation being extended to two prominent international speakers that have a vast following on social media. The international guest speakers will be rounded out by our local panelists who will be sharing their knowledge and experience to give attendees the pow[Her] that they need to achieve their entrepreneurial goals. For more information about GEW and the WED conference and to purchase tickets visit www.bedc.bm, call 292-5570 or email couterbridge@bedc.bm
Inspire WOMEN 13
Inspiring Hope BY ALICIA RESNIK Photos Submitted
The best part of my job is the entrepreneurs. They’re inspirational! That BEDC gets to play a part in their dreams is more than I can imagine. I hope BEDC inspires hope for the possibility of what can be.” —Mrs. Erica Smith, Executive Director, Bermuda Economic Development Corporation
M
rs. Erica Smith is the Executive Director of the Bermuda Economic Development Corporation (BEDC). Assuming the position in 2014, she’s responsible for overseeing the Corporation’s role in developing small and medium-sized businesses, through advice, counsel, and financial assistance. Educated at Boston University, Howard University, and the University of Pennsylvania, Mrs. Smith has a bachelor’s degree in architecture, a master’s degree in City Planning, a Certificate in Urban Design, a Diploma in Supervision and Management, and is a Certified Urban Planner. She’s a Board member of Ignite Bermuda and of Tomorrow’s Voices – Bermuda Autism Early Intervention Centre. A self-professed lifelong learner, Mrs. Smith grew up wanting to be an architect. “I love spaces, was fascinated with construction techniques. At Warwick Academy, I took design and technology instead of
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needlework and cooking.” Her love of buildings translates to her career. “At BEDC, I’m building systems. There’s usefulness in my architectural background – when you create spaces you create economic value.” Mrs. Smith initially joined BEDC in 2009 as the Director of the Economic Empowerment Zones Agency. She previously served as the Director of Sustainable Development at the Cabinet Office and was the Assistant Director of Planning for the Department of Planning. “In my role as Director of Sustainable Development I worked on a project to regenerate the north end of Hamilton. We looked at holistic systems and creating balance between social and economic policies.” Mrs. Smith sits on the World Heritage Site Management Committee and played a role in getting the world heritage designation for the Town of St. George’s. “We’re working towards merging the town’s historical and cultural background with successful economic ventures.” BEDC Goals? “I’d like to expand our entrepreneurship education offerings so people can access it more readily. Access to capital is a continuous goal. We’re launching new products – one is a growth micro loan; the second is utilizing our loan guarantee product creatively to help entrepreneurs purchase commercial property; third is growing our Incubator Program. Personally, I’ve been at BEDC for 10 years. I’m thinking about my next adventure. Before I leave, I want to share and impart my knowledge with the next generation of leaders.”
BERMUDA BUSINESS STARTS HERE
with a singular focus to actively assist the development of a strong, well-managed, and prosperous local business sector in Bermuda. The organisation’s key objective remains to assist the Government in encouraging economic growth for Bermuda’s local small and medium sized businesses.
Sofia House, 48 Church Street, Hamilton (441) 292 5570 / www.bedc.bm / info@bedc.bm
{
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We provide a wide variety of
EDUCATIONAL & FINANCIAL SUPPORT
programs that will help you take your business to the next level. BEDC has direct access to many organizations, professional groups and Government departments that enable us to ensure that the advice provided is accurate and up-to-date. For a full list of our programs, courses, and products, please visit our website,
www.bedc.bm
{
FREE, CONFIDENTIAL BUSINESS ADVICE,
{
The Bermuda Economic Development Corporation is Bermuda’s source of
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”The BEDC is a wealth of knowledge for entrepreneurs that also need support along the way for many reasons. The help doesn’t end when the funding is done. It continues – and that’s what business owners need.” - Kidist Emery, Salon Pink
At King Edward VII Memorial Hospital and the Mid-Atlantic Wellness Institute (MWI), staff are committed to providing safe, high-quality, peoplecentered, compassionate care. As Bermuda’s only hospital, ensuring every patient gets the best possible care is the best way of maintaining and supporting a healthy community.
At Your
Service BY ALICIA RESNIK Photo Submitted
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S Yukio wan
understands this accountability the hospital owes the community. As the Bermuda Hospitals Board (BHB) patient relations manager she works on behalf of the hospital with patients. She’s the person to contact if you had a great experience during a test, procedure or other hospital service, or if you have a complaint. Yukio has a bachelor of arts degree in health studies. “The programme covered a wide range of healthcare quality modules including performance measurement,” she says. “In fact, taking this course piqued my interest in quality improvement in healthcare.” A summer student internship in the Quality & Risk Department at BHB cemented this interest for Yukio. After graduation she worked as the front desk receptionist at Northshore Medical and Aesthetics Center (2015—2016) and was promoted to practice administrator in 2016. In September 2017 she joined the Quality & Risk Department in her current position. “I receive compliments, questions, suggestions and complaints and facilitate the appropriate communications between BHB care providers and service providers to ensure that concerns and queries are adequately addressed,” she says. “I also ensure that compliments reach the appropriate departments and individuals.” Yukio shares the feedback with the relevant leaders at BHB enabling them to make recommendations and implement changes that improve services. Yukio works closely in her team and often presents recommendations to leaders on how to improve services. “I genuinely want everyone in our community to be able to have their voices heard if they have encountered an issue or just want to genuinely share their appreciation,” she says. “It’s why I feel my job is important. I act as the conduit for the community to access those who help to make decisions about their care; and the care of their loved ones at our two hospitals.” Issues patients and the public raise vary greatly and are not necessarily clinical. Patients and sometimes family members complain that they cannot watch their favourite cable TV channel. No matter the concern or compli-
I act as the conduit for the community to access those who help to make decisions about their care.
ment, Yukio maintains the hospital’s strict patient confidentiality policy. “We welcome feedback and questions if you have not had success with reaching our first points of contact, for example our unit and departmental managers,” says Yukio. “You can email feedback@ bhb.bm or call 239-1425 if you have a comment about any hospital service either at KEMH or MWI.” “As I manage challenging matters in my day to day work, I know it’s important to make sure that I also pay attention to my physical, emotional and mental health,” says Yukio. “I have a full workload but make a point to create time for my outside interests like circuit training and travelling. Keeping my work/private life balanced better equips me in managing every aspect of my life.”
Ambulance: 911 • Emergency Department: 239-2009 • bermudahospitals.bm
Inspire WOMEN 17
SINGLE
PARENTS HOW DO YOU DEFINE YOUR SUCCESS? eing a single parents often presents unique challenges, especially in the financial arena. After all, raising kids does not come cheap. Learning to balance competing financial demands can be one of the biggest challenges for single parents. Here are some suggestions that can help you get there.
Get covered. Your kids see you as a superhero because that is exactly what you are to them. You are the one who keeps
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them safe and provides what they need. Suppose something were to happen to you and your ability to earn a living. Do you have a safety net to fall back on? Have you ever considered purchasing Life Insurance? Life Insurance is a serious
BY JESSIC A MAIATO Photos Submitted
subject that many people are afraid to talk about. Many people fail to realise the protection that a Life Insurance policy provides. As a mum, the most important thing you want to ensure is that your children are taken care of mentally, physically, and, above all, financially. There are two main types of life insurance: term and permanent, i.e. whole life. Term life is designed to cover you for only the specific number of years for which you think you will need life insurance, such as while your kids are growing up. A term policy can cover you for a certain period, such as for ten or twenty years, and will pay out if you die during this period. It provides families with financial security and protection they may otherwise lack. It is also the least expensive option. For less
than $20 a month, you can secure a twenty-year term policy valued at $250,000. Whole life insurance is a type of permanent policy that will cover you for your entire life; it also includes a savings component known as “cash value”. After years of growth, you can borrow against the cash value or cancel the policy for the cash value. Permanent life insurance is more expensive and complicated than term life. The important thing is to choose the right fit for your budget and your needs. Over the years, your needs, your family situation, and your life goals will change. Life Insurance is designed to meet your temporary or long-term needs. Remember that you are never too young to buy life insurance!
Make a spending plan. When was the last time you took a look at how much money you spend? My favourite approach to budgeting is the 50/30/20 rule – although it is more of a guideline than a rule. 50% of your takehome pay would go to needs, 30% to wants, and 20% to the future “You”. If that breakdown sounds unrealistic for you right now, that is 100% OK. Everything you spend should be accounted for as a real and tangible expense. Just as rent or mortgage and utility payments come due every month, Christmas and birthday presents are bought once every year. Try to get into the habit of accounting for everything you spend. Because everything rests on your shoulders, there is a lot of planning involved in securing your future and that of your children. Savings are just as important; in fact, they are critical. Every family, single-parent or otherwise, needs several months’ worth of income
in savings in case of an emergency. A parent can lose her/his job or suffer from a long-term illness or disability. These savings are fundamental for your children, who will hopefully want to go to university.
Model good money habits. Some studies show that kids’ financial habits solidify as early as age eleven. It has also been shown that parents tend to teach their sons and daughters early about money. Sons are taught to build wealth, and daughters are taught to be “responsible” with their money. Educate them on the importance of money and how it is earned. Engage your child, especially teenagers, in day-to-day chores. Initiate the practice of allocating a monthly budget for them to manage independently. Additionally, make sure you educate them about online banking, and creating and sticking to a budget. The time to start teaching kids about money management, and the power of money, is now.
Save for emergencies. “The unexpected will always be unknown,” is my daily motto. Financial emergencies are a matter of when, not if. Aim to save at least $50-100 a month, if your budget allows, so that you can build your emergency fund quickly. Alternatively, you could try to secure three to six months’ worth of take-home pay, saved in a separate account. Beyond an emergency-savings plan, a goal-based savings plan can help to make these things happen. Saving money with only one income is not always easy, but a solid budget plan can help you to discover inefficient spending habits, which lets you take control and
put that money to better use. Even small changes add up monthly. Set goals, but do not rob your retirement. This is that “put on your own oxygen mask before helping others” thing. Once you have your financial basics in place, you are probably going to find yourself with several, possibly conflicting, and financial goals. A big dilemma we often hear from single mums is retirement vs. saving for university. While helping your kids with the cost of higher education someday is an excellent goal, here is the truth: student loans and scholarships exist. Loans and scholarships for retirement do not exist! Therefore, your biggest long-term investing priority should almost always be your own retirement. As a single mum, you know the importance of money and accumulating savings. This is the reason why single mums are working terribly hard from morning to evening in order to provide for their children. Finding an answer to the question ‘How do I save money?’ can seem impossible, even for the hardest-working single mums. But take some time and think about your current spending habits. Take advantage of these money-saving tips and see your budget consistently improve over time. Jessica Maiato is a Life Insurance Sales Agent at Freisenbruch-Meyer. She is a talented sales professional who builds loyalty and long term relationships with her customers. Contact her on 294-4618 for a free consultation.
Inspire WOMEN 19
SHE
Leads
BY B E R M U DA H I G H SCHOOL FOR GIRLS
On Friday, July 5th, 24 young women completed the first ever SHE LEADS: A Real World Readiness Programme after a week of guided workshops, inspiring speakers and personal reflection. This ground-breaking public/private partnership was offered to students from BHS, The Berkeley Institute and Cedarbridge Academy in their penultimate year of high school through sponsorship from HSBC.
The
week-long programme taught the girls tools, frameworks and mindsets necessary for them to take ownership of their education, employment and beyond. HSBC’s Community Investment Manager, Clesia Pachai, shared “Both HSBC Group and HSBC Bermuda have provided funding to ensure the successful execution of this programme. The She Leads Programme is a good example of HSBC’s strategic investment to support charities which focus on the bank’s ‘Future Skills’ pillar offering programmes around ‘employability’ and ‘financial capabilities’ to our community. These initiatives, aim to empower and equip members of our community to secure employment and manage their monies effectively, starting with our young people.” At the start of the programme some of the students were shy and hesitant about what was ahead, but by the end of the week the
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transformation in the young women was visible to all. During the course of the week, they heard from a diverse group of 16 women from the local community who shared their stories and advice in order to inspire. Suzanne Khan spoke on the first day about how to make decisions today which will shape tomorrow, Jasmine DeSilva impressed upon the girls about the importance of prioritising self-care. On day two, they received practical financial advice from Nicola Bromby in a special seminar hosted onsite by HSBC, and on the Wednesday, they spent a few hours at Argus with the dynamic women of the newly formed WeSpeak organisation and learned invaluable public speaking skills. After an hour of hands-on coaching, every single girl took a courageous risk and stood up in the room to give a short 30 second “speech” on what they had learned that day, prompting Wendy Davis-Johnson, Chief Communications & Culture Officer, Hamilton Insurance Group to declare, “Today I learned that the future of Bermuda is in good hands!” For the latter part of the week, workshops included “Nerves and Networking”, “Making Money and Changing the World Doing What You Love” by young Bermudian entrepreneur Gaynete Jones, and “Leading by Example: How to Redefine Risks and Bounce Back from Failure”. Each workshop was specifically designed to speak to a need that young women today have, and to teach them coping skills for stress, boost their confidence and strengthen their resilience. For their final presentations, parents, family members, staff from BHS, The Berkeley Institute and Cedarbridge Academy, Commissioner of Education, Kalmar Richards and Minister of Education, The Hon. Diallo Rabain, J.P., M.P. were all in attendance at the Harbourview
HSBC location. Head of BHS, Linda Parker, welcomed invited guests and stated, “It is so important for our young women from BHS, The Berkeley Institute and Cedarbridge Academy to be able to network, collaborate and learn from each other. This public/private partnership is a win-win for all of the young women and has solidified a sisterhood between each young woman. Thank you to the young women for maintaining their high level of interest and engagement throughout the week. Through their daily reflection and reporting out, it is evident that this experience has been one that is life changing.” The girls presented their group and personal projects, and at the end they were each invited to describe their main takeaway from the week. Common themes included a realisation of how important it is for young women to support each other and build each other up, to be less selfcritical, the importance of self-care and the joy at the new friends and connections that they had made. Makailah Nisbett of Cedarbridge said, “My main takeaway from this programme is to stop convincing myself that I can’t do something and to say that I can, and to say yes more often.” Iannah Caines from BHS said “This week has been powerful to see how all of us can connect and come together as a female community.”
The exclusive programme curriculum was developed by BHS alumna, Christie Hunter Arscott, who is a strategic advisor on gender issues. It was specifically tailored to how girls learn and provided a safe place for the girls to take risks and build their confidence and skill sets. Christie noted, “It has been amazing to watch the transformation of these young women, even within this short programme. So many of them have come out of their shells, conquered fears, tackled self-doubt head on and made meaningful connections with other young women from across the schools.” Having completed the course, the students will now share the course materials and topic guides with their peers in their respective schools. This unique student-tofacilitator progression means that more young women will be able to benefit from the course materials, and it will give participants an additional opportunity to deepen their learning, develop their leadership skills and put those skills into practice. The girls will also meet up throughout the school year for further workshops and to foster the connections and network they created during the week. After this successful pilot of the SHE LEADS programme, it is anticipated that another week will be offered in the summer of 2020. For more information on the programme please contact sheleads@bhs.bm
Inspire WOMEN 21
e c n e ll e c x E g in ir p Ins a n d Lea de rship I am curious I am determined I am creative I am strong I am kind I am a leader I am a BHS graduate
Hello world
You will join a network of accomplished alumni and your knowledge and self-assurance will take you wherever you want to go.
I am ready.
For more information, please contact the Director of Admissions and Inclusion, Mrs. Kurte Loescher: kloescher@bhs.bm or 278-3047 22 Inspire WOMEN
With a BHS education, you will be prepared for whatever path you choose.
www.bhs.bm
Show Yourself a Little
Love How to Bust Out of a Hyperactive Lifestyle
A
s the chief director of your family’s universe, you’re the pulse-point of the home. But if that means you’re struggling under the mantle of an unforgiving schedule, now is the time to re-evaluate. Your health depends on it. When nine-months pregnant with her fourth child, Nefertari Williams suffered a life-threatening heart attack that forced her to reassess her chaotic lifestyle. Like many moms, 34-year-old Williams’s daily routine included getting her children ready for school before heading to her fulltime job working with cognitively and physically disabled preschoolers. After work, she would help her with homework and then taxied them to dance, karate, swimming and singing practices. In addition, she sold cosmetics and her handmade jewelry. Squeezed into her schedule were visits to the nursing home to see her mother, who had suffered a massive stroke. Her husband, who worked nights, managed the family’s laundry. Williams blames her exhausting schedule for contributing to her heart attack, which was caused by a spontaneous coronary artery dissection (SCAD).
BY C H R I S TA MELNYK HINES
According to the American Heart Association, SCAD typically affects young women who are otherwise healthy. Thirty percent of the time, the condition, which is a spontaneous tearing in the coronary artery wall, SCAD does not have any warning signs, making it hard to diagnose prior to a heart attack. Overcommitment health risks. Besides heart disease, chronic stress can lengthen the recovery time from illness and fuel other long-term health problems, like obesity, irritable bowel syndrome, high blood pressure, insomnia, headaches, depression and even infertility. A hectic lifestyle could also make conception more difficult, says Elle Griffin, a natural fertility expert and feminine vitality coach. Moderate exercise. Exercise in moderation can help relieve stress, but Griffin warns that overtaxing an already stressed body with too much strenuous exercise can increase the stress hormone cortisol. “High levels of circulating stress hormones can impair adrenal function, resulting in brain fog, lethargy and the dreaded ‘pregnant belly’ even if you are not with child,” she says. “Some women even start losing their hair.”
How can you better manage your busy lifestyle?
Prioritize. Make a list of everything you do. Decide which items can be eliminated or delegated to others. Can you limit your kids’ activities to one per season? Can your kids fold and put away laundry? “After nearly losing my life, I have learned what’s important which is my love of my God and my family,” Williams says. “My family is happy because I am here with them. They don’t miss the hyperactive lifestyle at all.” Pursue pleasure. Integrate activities into your day that bring you personal joy. Try out a new recipe, engage in a favorite craft, read a book or take a nap. Or plan to do nothing at all. Schedule “me time” in your calendar if necessary. Practice saying no. Avoid adding any new commitments to your schedule. If an opening appears on the calendar, try not to fill the space by obliging someone else. Think you can afford to wait to rein in your hyperactive lifestyle? Start making any necessary changes now. Christa Melnyk Hines is a freelance journalist and author of Confidently Connected: A Mom’s Guide to a Satisfying Social Life, a resource for moms seeking a more balanced social life that supports their emotional health.
Inspire WOMEN 23
BY DR. AYESHA PEETS -TALBOT
Prepare Your Body For
PREGNANCY:
Photo Submitted
id you know that 1 in 7 couples will experience difficulties getting pregnant? In the U.K., that equates to over 3.5 million people of childbearing age. If a couple is fortunate enough to conceive, they could also be faced with pregnancy complications. Sometimes, the pregnancy complications are a result of health problems that can arise during a pregnancy while other times difficulties are related to health challenges that exist prior to pregnancy. These complications, which can range from mild to severe, could involve the mother’s health, baby’s health, or both. Per the Center for Disease Control (CDC), severe maternal complications are steadily increasing and in the U.S. affect more than 50,000 women every year. As a medical physician, it’s not uncommon for a woman to share her struggles with infertility as well as the emotions associated with a successful pregnancy. Once finally pregnant, mothers often spend most of their pregnancy being closely monitored in the hospital or at home, and later, perhaps deliver a baby who’s health is either directly or indirectly affected by complications associated with the mother’s health problems. The CDC attributes the rise in pregnancy complications to several factors including increases in maternal age, pre-pregnancy obesity, pre-existing chronic medical conditions, and cesarean delivery. I, too experienced infertility and noted that the lifestyle changes that I implemented helped me immensely in completing healthy pregnancies with healthy babies (I have 3 now!). I hope you find these tips helpful….
• Tip #1
Decrease Your Sugar Intake - Too much sugar can cause an imbalance in your hormones. For women, this often means a decrease in estrogen and an increase in testosterone. Too much sugar can also increase inflammatory markers in the body, which can also interfere with getting pregnant or maintaining pregnancy. Sometimes, even if you are eating a ‘healthy’ diet, you might still consume too many carbohydrates. It may be helpful to take the time to learn what carbohydrate are and track what you’re eating accordingly. A nutritionist can help you with understanding your diet and how much carbohydrates you’re getting, adjusting your diet as necessary.
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This may be all you need to avoid infertility and have a healthy pregnancy
• Tip #2
Increase your consumption of vegetables and fruits – This advice has been thrown around a lot for many good reasons. I am going to give you my favorite reason to love your Veggies if you are planning on conceiving. Having 10-12 servings of vegetables and about 1-2 servings of fruits per day helps with your hormone balance! Vegetables increase the hormones that benefit your body and get rid of the hormones that don’t. To overcome my infertility issues, I started to have vegetables at every meal. I would usually start my day with a Smoothie packed with green veggies and then incorporate them into my lunch and dinner, perhaps having fruit as a snack.
• Tip #3
Do a Medical Detoxification - Listen, this is a must do particularly if you are over 30 and thinking about having a baby. Over the years, toxins will build up in your body. Your body is capable of detoxing daily, with some people being able to do this more efficiently than others. However, when you are ready to grow a baby in your womb, it’s a good idea to have your body as clean as possible. Consider doing a medical detoxification program with a Functional Medicine Practitioner. They can help make sure that your body is being supported through the detox process so that you avoid making yourself sick. You also want to make sure you do a detox well before you get pregnant, so that you are not affecting the baby and/ or the pregnancy.
• Tip #4
Increase Water Intake – Water is essential for all cells in your body. Water dramatically improves your health by promoting detoxification. Without ample water, the body has to work harder to complete the same functions, therefore, taxing and aging your system. The amount of water you need depends on your weight, activity level, and where you live. A good rule of thumb is to drink ½oz to 1oz of water for each pound you weigh. For example, if you weigh 150lbs then you should drink
• Tip #7
Have a proper Hormone Health Assessment Done - I’m sure you’ve gotten the point by now that having good hormone health is essential to fertility and having a healthy pregnancy and baby. So this next tip is a no-brainer; if you are thinking about getting pregnant or having difficulty in getting pregnant, having a complete hormone testing that looks at your adrenal hormones, thyroid hormones, and female/male hormones can pick up any imbalances. Once you are aware of any hormone deficiencies or imbalances, you can then work to fix them to improve fertility.
• Tip #8
Take Prenatal Vitamins - Often women start taking prenatal vitamins once they find out that they are pregnant. However, to avoid certain birth defects and to improve your fertility, it is advised that you start supplementing with prenatal vitamins at least a year before you get pregnant. So, if you are of childbearing age and are considering having children in the future, getting started with your vitamins is something that is highly beneficial that you don’t have to wait on.
Resources…. https://www.cdc.gov/reproductivehealth/maternalinfanthealth/ pregnancy-complications.html https://www.nhs.uk/conditions/infertility/
• Tip #5
Exercise Your Pelvic Floor and Core Abdominal Muscles There are two main muscle groups that take a hit during the pregnancy and delivery phases. These are your abdominal muscles and your pelvic floor muscles, which essentially support all your abdominal organs including your uterus. Be sure to strengthen these muscle groups as a way of physically preparing your body to carry a baby for 9-10 months. There are several ways that you can work on getting these muscles stronger such as Yoga and Pilates.
• Tip #6
De-Stress - Stress in your life will negatively affect your hormones. A woman whose body is under stress will have a hard time getting or staying pregnant, because having high stress hormones is a signal to the body that this is not a good time to have a baby. Your body will use more energy dealing with the stressors than prioritizing your womb to be the ideal home for a baby. Remember there are several types of stress including chemical stressors, mental/emotional stressors, nutritional stressors, and physical stressors. It’s important to take time to reflect on areas in your life that you could be experiencing stress and make a conscious effort to reduce your overall stress.
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Holistic Pediatrics uses a mind-body spirit approach to wellness. Band-aids are still great for 'Boo-Boos', but Bandaid medicine should be left in the past. Healthy Kids are Happy Kids - I've developed an integrative holistic approach to help you get them there! I want to share with
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75oz to 150oz per day. If you are exercising or live in a warm climate, you should aim for the higher end of water intake.
you my Top 5 Immune Boosting Tips to support your child's immune system.
Visit www.orwkids.com TODAY to get your free copy of my immune boosting tips.
295-5100 oceanrockwellness. com Dr. Peets Talbot, Holistic Pediatrician and Internist
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