New Resident Guide 2024 by Ian Coles

2024

LIVING AND WORKING IN BERMUDA

Pass me on for a greener Bermuda

Live your life. With

you can.

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MOTOR

HOME

MARINE

TRAVEL

LIFE

HEALTH

INVESTING & RETIREMENT

PROPERTY & LIABILITY

FROM THE PUBLISHER

WELCOME

We’re glad you’re here

This publication has been compiled to assist people who are weighing up the pros and cons of accepting a job in Bermuda as well as those who have just arrived here and need a crash course in how the island works. Whichever category you fall into, we suspect you have some concerns — and perhaps even a few fears. If so, relax! Bermuda is warm, welcoming and one of the least stressful places in which to live and work. It is sophisticated, with far more amenities than would be found in many similar sized communities in North America or Europe. It is also clean, efficiently run, comparatively crime free, and you are unlikely to encounter a better range of sporting and recreational activities in any other place on earth. In most

Contents New Resident 2024

From the Governor .........................................7 From the US Consul General ................9 Vital Statistics................................................... 10 Island Essentials .............................................11 Prices ........................................................................15 Money Matters ................................................16 Remote Working ...........................................19 4

respects, life in Bermuda has much in common with that of an affluent town elsewhere but with distinct and appealing differences due to its geographical, cultural and social make-up. And Bermuda has its odd quirks, too. Some, like the two days a year when the island closes down for a cricket match and a party, you will love. Others, such as the 35 kph speed limit, you will learn to appreciate. Workwise, the island moves at the same pace as London and New York. Otherwise it would not have become one of the world’s most important offshore financial centers. There is one major difference though. You’ll have one of the shortest and most beautiful commutes in the world. While most of us here have to work hard, we also know how to enjoy ourselves. You will find that Working to Rule ............................................20 Property ................................................................ 22 Our new residents .......................................26 Getting Around ............................................... 29 Hamilton Map .................................................. 32 Holidays................................................................. 34 Island Etiquette ...............................................35 Boating .................................................................. 36 School Report .................................................40 Pest ...........................................................................48 Pets ........................................................................... 49

Bermudians are happy to embrace you in their social circles. They are generally well educated, welltravelled and very entertaining company. Although it is true that “ex-pats” are a recurring political issue, the debate is rarely about individuals, but rather about the general immigration policy. To set your mind at rest, the current Government appreciates that we need talent and skills from overseas; but balances this against the need to ensure Bermudians have a fair chance in the job market. Hardly unreasonable is it? You’ll find most in the local community genuinely understand that ‘guest workers’ are very much a part of what keeps our economy moving forward. Bermudians are proud of the success they have achieved on this obscure outcrop in the Atlantic. However, they also appreciate that without help from overseas, we would not be where we are today – or where we want to be tomorrow. Fake Expectations ........................................53 Healthcare ...........................................................54 Dining Guide .....................................................60 Director of Marketing Lissa Fisher Publisher Ian Coles Art Director Tim Parker Published by Bermuda Media Postal address: PO Box HM 2032, Hamilton HM HX, Bermuda. Tel: 292-7279 Email: hello@bm.bm www.bermudamedia.bm New Resident 2024

YOUR HEALTH OUR PRIORITY EIGHT CONVENIENT LOCATIONS The Phoenix Centre 3 Reid Street, Hamilton HM 11 Tel: 295-0698 Fax: 295-2636

Collector’s Hill Apothecary 2 South Road, Smith’s FL 08 Tel: 279-5512 Fax: 236-9054

Woodbourne Chemist 1 Gorham Road, Pembroke HM 08 Tel: 295-1073 Fax: 292-0230

Paget Pharmacy Rural Hill Plaza, 130 South Road, Paget PG 06 Tel: 279-5510 Fax: 236-9057

Clarendon Pharmacy 31 Victoria Street, Hamilton HM 10 Tel: 295-9137 Fax: 292-2265

Warwick Pharmacy 49 Middle Road, Warwick WK 05 Tel: 279-5556 Fax: 236-8625

King Street Pharmacy 38 King Street, Hamilton HM 11 Tel: 279-5101 Fax: 279-5102

Dockyard Pharmacy Royal Naval Dockyard Sandys MA 01 Tel: 279-5515 Fax: 279-5528

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FROM THE GOVERNOR

Our strong ties with Britain

Bermuda was settled in 1609 by the British. And for more than 400 years Bermuda has shared a relationship with the UK unlike any other. Her Excellency The Governor, Rena Lalgie explains.

efore arriving, you should already have heard that Bermuda is a beautiful, warm and friendly place to visit and to do business. You might also be surprised by the extent to which Bermudian people have strong connections around the world. The wealth of intellectual and cultural New Resident 2024

capital crammed on this small archipelago in the middle of the Atlantic can be a real surprise. As a British Overseas Territory, Bermuda and the UK share history, a constitutional relationship, and cultural norms. The legal frameworks and the political systems are not the same but

they have common roots and the Judicial Committee of the Privy Council is Bermuda’s highest Court of Appeal. Bermuda’s regulatory framework is clear, robust, and compliance with international standards and obligations is strong. The Bermuda Monetary Authority’s global reputation is key. Businesses in Bermuda have strong ties (historical and current) to businesses in the UK but also in North America. This is particularly the case in relation to the insurance markets, where many will attest to the symbiotic relationship between London and Bermuda. Bermudians are British Nationals and have extensive familial and cultural links to the UK. Bermudians attend British schools and Universities (where they are eligible for ‘home fees’) but there are also close ties to Canada, the United States and the Caribbean. There are so many opportunities outside of work, you will be spoilt for choice. Bermuda is a perfect place to balance business and pleasure. You are never too far away from a golf course but more generally if you enjoy sport, you name it and there will more than likely be a group enjoying it. If you are here during one of the many international sporting events, such as the PGA Tour’s Butterfield Bermuda Championship, or SailGP, it is worth making the time to attend. If you enjoy art, there are a surprising number of galleries and some impressive collections in Bermuda. Go for a walk at Clearwater Beach or along the beaches on the South Shore to or from Horseshoe Bay. If you get a chance to experience Bermuda from the water, do not turn it down. One piece of advice I would like to share. From the moment you begin boarding your flight to Bermuda, work on the basis the person next to you, the people sitting behind you, the taxi driver etc. is related to or at least knows the person that you are talking about. 7

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From the U.S. Consul General

Our special relationship with the US

A well-travelled career Foreign Service officer, Karen Grissette arrived in Bermuda in July 2021.

ermudians are so welcoming and friendly, and our family transitioned very easily to life here. There are certainly cultural differences, but Bermudians are very well acquainted with America. There are hardly any Bermudians that have never travelled to the U.S., and there are more U.S. connections and a deeper understanding of the United States than any other place I’ve lived—and I’ve lived in a lot of different places. So that may make the island an easy place for Americans to adjust to. However, Bermuda is also uniquely Bermudian with its own culture and its own unique attributes. One of the things newcomers will quickly come to realise is that you encounter the same people in several different places and settings—at your children’s school, in line at the coffee shop, at a tennis class—and this can help develop close friendships and business relationships. I saw someone on the beach with whom I had recently had a meeting, so we just continued our conversation there on the beach. Everybody is connected in one way or another to everybody else, so it’s kind of like one big family. I love that about Bermuda. At the U.S. Consulate, customer service is the first priority. We have very quick turnaround time for information. We respond very promptly to all enquiries made through our dedicated email address, hamiltonconsulate@state.gov. For Americans, we’re here for emergency situations, which unfortunately are sometimes sad events, such as a sudden death, an arrest, or destitution, and then of course routine services such as passport renewals, reports of birth abroad, notarising a power of attorney or a legal document, things like that. For non-Americans, most issues relate to travel, that means either visiting visas or immigrant

New Resident 2024

US Consul General Karen Grissette welcomes Lt. Justin Nease of US Coast Guard Cutter Lawrence Lawson

visas. We estimate there to be about 8,000 Americans resident on the island, among a total population of 64,000, which is a significant percentage. We encourage and ask U.S. citizens to register with us here at the Consulate at https://step. state.gov. One of the many benefits of registering is that we can send official messages directly to you. Part of my mission is to deepen the strong economic ties between the United States and Bermuda. There are a number of investment and business opportunities here, and I work with my colleagues in the U.S. Commercial Service to highlight those opportunities for U.S.

companies and U.S. investors. It goes without saying that the international business sector on the island is of global significance and the U.S. insurance companies based in Bermuda are very important for us. We meet regularly with the companies and various industry and trade groups to discuss concerns; share information with the appropriate entities in London, Washington D.C., and beyond; and help wherever we can. More information on the US Consulate in Bermuda is available at: https://bm.usconsulate.gov Facebook (@usconshamilton) Twitter (@usconshamilton) Instagram (@usconsulatehamilton) 9

FACTS & FIGURES

Bermuda’s vital statistics GEOGRAPHY Land area 20.5 sq. miles Length 21 miles Greatest width 2 miles Highest point 259 feet Islands in archipelago 138 Farmland: 735 acres Capital: Hamilton Climate: sub-tropical, frost free Nearest mainland: Cape Hatteras, North Carolina, US. 651 miles

POPULATION Total Total Foreign-born United Kingdom United States Caribbean Asian Countries Canada Azores/Portugal African Countries Other European Countries Other Gender ratio Female Male

63,648 19,332 4,088 3,598 2,755 2,563 2,140 1,643 627 1,231 687 52% 48%

HATCHES, MATCHES & DISPATCHES Births Deaths Marriages Divorces

494 727 313 121

Until recently, the only form of gambling allowed in Bermuda was at Crown and Anchor stalls at major cricket matches. However, in 2014, legislation was passed which allows for the development of casino gaming in hotels. Where and when the first casino will open is still uncertain.

EDUCATION Private school enrollment 3,333 Public school enrollment 4,272 Bermuda College enrollment 1,152

Payroll tax Customs Duty Land tax Company Tax Other

44% 22% 7% 6% 21%

EMPLOYMENT Total occupied jobs 31,316 Work Permits in private sector 6,469 Work permits in public sector 344

GOVERNMENT REVENUE Total $1,030,259 million

GOVERNMENT EXPENDITURE Total: $1,182,434 million Grants & contributions 30% Wages & salaries 32% Debt service 11% Capital expenditure 7% Other operating expenditure 20% Government deficit: $117.5 million

TRADE Total imports Total exports Imports by country USA Canada UK Caribbean All others Rate of inflation

$1,055.2 million $28.6 million 70% 7% 6% 3% 14% 9%

TRANSPORT Registered Road Vehicles: 48,994 Reported Accidents: 1,226 Road Casualties: 684 Road Fatalities: 17 Gibbs Hill Lighthouse stands 362 feet above sea level — the highest point on the island. Built in 1844, it is made one of the few in the world made of cast iron. 10

Source: Bermuda Digest of Statistics, 2022 by Government of Bermuda New Resident 2024

Democracy, Bermuda-Style Bermuda remains a British colony but is self-governing in almost all significant respects, with a Parliamentary system modeled after that of the UK. Although we are nominally under the responsibility of a Governor who is appointed by the Queen, the House of Assembly is where the big decisions are made. The house has 36 elected members representing all areas of the island. At the moment the majority belong to the Progressive Labour Party (PLP), who won a snap election in October 2020. The PLP has 30 seats with the opposition One Bermuda Alliance (OBA) now represented with 6. The October 2020 election was also contested by the Free Democratic Movement, led by

Bermuda has its own very colourful currency

MONEY

MATTERS The Premier, David Burt, JP, MP

The Governor, Her Excellency Rena Lalgie

former PLP leader Marc Bean. Its 5% of the popular vote was not enough to secure any parliamentary seats. The Premier is chosen by the majority party from its elected members to lead the Government and therefore the country. As ‘guest work’, one is not entitled to vote or stand for election.

Members of the House of Assembly pose for an official photograph New Resident 2024

ISLAND ESSENTIALS

The island has its own currency, the Bermuda dollar, which is ‘pegged’ to the US dollar — one Bermuda dollar equals one US dollar. American money is accepted everywhere. Nearly all ATM’s dispense Bermuda dollars but there are a few that provide US dollars – including several in the departure lounge at the airport. Major credit and debit cards are accepted island-wide. Unlike some of the islands to our south, we don’t have hundreds of banks registered here. There are only a few, with names probably unfamiliar to you (with the notable exception of HSBC). All of them offer the range of services you might expect, such as loans, investment services and online banking. With money laundering of major concern worldwide, don’t be surprised if you’re asked for a great deal of personal information when opening an account. 11

ISLAND ESSENTIALS

Capital Gains Of all the world’s capital cities, Hamilton must rank among the smallest and the most prosperous. It’s also an unusually pleasant city with a tasteful blend of traditional and contemporary architecture and hardly a window that doesn’t overlook blue sea or luxuriant greenery. But Hamilton is far from the toy town that it seems at first sight. Behind the attractively unassuming facades that line the main streets beats the heart of big-time international business. Hamilton is one of the world’s leading insurance centers, ranking behind only London and New York, and is the undisputed number one in captive insurance. One of the things you’ll like about our capital is that everything is within walking distance. It’s so easy to get around that there’s no other office more than 10 minutes walk from your own, and within a 5-minute walk there’s every chance of more than 10 restaurants or take-outs from which to choose for lunch.

You and the Law You won’t find the Bermudian justice system much different from most other sophisticated countries. It is based on English common law. Firearms and ammunitions and indeed all weaponry are completely unwelcome and carry heavy penalties. The Police wouldn’t want Importing even a small amount of any illegal drug for your to meet you on own use is a serious imprisonable offense. Drink-driving business penalties are also very firm. And be warned, working outside the bounds of your work-permit could lead to big trouble, both for you and your employer.

Our wild side

Despite the island’s tiny dimensions, there are still some significant stretches of open space here, and lots of (non-threatening) wildlife inhabiting it. The island is sprinkled with small, but interesting national parks and nature reserves. There are also miles of South Shore beachfront that are mercifully clear of development. They are public and therefore free to roam and swim. The railway trail is another treat. It stretches from St. George’s to Somerset, cutting through parts of the island you would otherwise never see. Great for walking, jogging or cycling. Offshore, our abundant reefs Bermuda is an ecological and wrecks make a paradise treasure island for divers.

GETTING OFF THE ROCK Bermuda is a small place with limited diversions, which is why Bermudians are so well travelled. They’re always taking short trips to ‘get off the rock’. With careful planning of your budget, you can too, because despite our relative isolation, we’re remarkably well connected by air to the US, Canada, and the UK. We’re enjoy regular (mostly daily) non-stop flights right up and down the East Coast, to Miami, Atlanta, Charlotte, Philadelphia, Washington, New Jersey, New York, Boston and Toronto. British Airways has a dedicated service between Bermuda and Heathrow, London. For an up to date listing of all flights to and from Bermuda visit www. bermudaairport.com/flights/.

ENGLISH WITH A TWIST… Of course we do speak English, but with an attractively different accent that may be a little confusing at first. One particular feature is the transposing of the letters w and v – as in “Velcome to our island” and “gold is a waluable commodity” – which can be traced back to old English. Ask any Bermudian you meet to explain the intricacies of islandspeak and you’re in for a hilarious conversation. New Resident 2024

ISLAND ESSENTIALS

Over the Volcano

Our weather is mostly marvelous

Particularly Pleasant Weather Although it is close to the US northeast, Bermuda’s climate is semitropical, kept warm and humid by the Gulf Stream. It is hottest in the months of July, August and September when temperatures are usually in the 80s with equally high humidity counts. Summer is considered to begin officially in May – a public holiday observed on the last Friday of May signifies the first day of ocean swimming for Bermudians – and end in November. But temperatures from November to May can vary enormously, from the pleasant mid-70s to the all-time low of 41, recorded in 1955. January, February and March can be rainy and cool, although once again in this temperate climate, it is unusual to experience more than a few days of unpleasant weather at a time.

US Preclearance When you landed at L.F. Wade International Airport, you experienced our new passenger terminal, opened in December 2020. It was built north of the old terminal, which had been constructed in the 1950’s, with several subsequent additions and renovations. New Resident 2024

The new terminal cost around $250 million and has been designed in such a way that it can easily accommodate the addition of extra aircraft gates at either end of the terminal. A partnership between the governments of Bermuda and Canada underpins the project.

It is generally referred to as “the island”, but Bermuda is in fact a chain of about 150 islands, many of which are really just rocky outcrops. The land area, all 22 square miles of it, represents the summit of an undersea mountain. Although the highest point in Bermuda is a mere 259 feet above sea level, the ocean plunges to 15,000 feet within a few miles of land. Do not be alarmed that the mountain we mentioned was volcanic – it is extinct. And you will also be happy to learn that although we do get the occasional hurricane, Bermuda is spared other natural disasters of any magnitude.

One benefit Bermuda residents enjoy is having US Customs and Immigration preclearance. Only about a dozen locations around the world have this US preclearance programme, which enables you to ‘preclear’ here if you’re travelling to the US, so wherever you land, onward travel is seamless. No further US customs, immigration or security checks required, unlike passengers arriving in the US from almost all other countries. 13

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PRICES

We went shopping on your behalf to provide a rough idea of what you might expect to pay for life’s necessities. You will discover that, for most items, Bermuda isn’t inexpensive. But, unlike other out-of-the-way islands, our shops stock just about everything you could possibly want, and the quality is generally good

HOUSEHOLD Window cleaner (12oz, Windex) ........................................................................ $5.25 Mildew remover (32oz, Tilex) ..$8.85 Lavatory bowl cleaner (24oz, Pinesol) ..................................... $4.85 Dishwashing liquid (10oz, Dawn)...........................................$7.25 Laundry detergent (46oz, Tide liquid) ...........................$15.59 Lavatory paper (4 rolls) ................ $6.55 Tissues (Kleenex).............................. $3.89 Paper towel (large single roll).. $4.49 Cat food (156g can, Friskies) .... $1.66 Dog food (625g can, Pedigree) $2.85

PHARMACY Toothbrush (Oral B) ..........................$7.99 Toothpaste (Colgate, 6oz) .........$8.99

MOPEDS & MOTORCYCLES Basic 125cc ........................................$2,500 High-performance ...................... $8,000 Electric scooter from .................$3,000 Annual licence fee ...........$61 to $158

ELECTRONICS MacBook 12”....................................... $1,885 iPad Pro 12.9”..................................... $1,569 Lenovo Idea Pad 330......................$699 iPhone 14............................................... $1,119

APPLIANCES (TYPICAL PRICES) Washer/dryer (each)....................... $995 Electric cooker ................................$1,000 Gas cooker............................................$1395 Refrigerator........................................ $1,200 Dishwasher ............................................ $895 Television (50” flat screen) ..........$575

Soap (three-pack, Dial) ................ $3.85 Shampoo (Pantene, 12oz)........... $9.29 Shaving foam (Gillette, 11oz) .... $5.59

CLOTHING Bermuda shorts ...........................$60–98

Razors (Gillette five-pack) .......$17.56

Long socks .........................................$12.95

Deodorant (Degree gel) ...............$7.49

Blazer ..........................................$250–$395 Shirt (men’s) .............................. $30–$125

CARS

Leather loafers (Sebago) .......$149.95

Small electric.................................$21,000

Tights (Hanes ultra sheer) ................ $8

Large electric .............................. $50,000

Work dress ...............................$125–$275

Sub-compact ................................ $18,450 Family Crossover ....................... $40,000 Luxury convertible ................... $90,000 Insurance ......................$500 to $2,000 Gasoline ....................................$2.24 (litre) Annual licence fee (based on size of car)........................................$304 to $1,678 New Resident 2024

Cocktail dress ........................$175–$350 Sweaters (cotton or wool) $50–$200

DRY CLEANING Trousers .......................................................$23 Suit ...................................................................$45 Dress ..............................................................$32 Blouse ...........................................................$23

FOOD Milk (1⁄2 gallon) .............................. $6.29 Bread (sliced wholewheat loaf) ..................................................................... $7.25 Butter (1lb) ......................................... $9.89 Cheddar cheese (1lb) .............. $8.99 Brie (8oz) ............................................ $9.46 Parmigiano Regiano (per lb) ................................................................. $28.99 Bermuda eggs (1 doz, lge) ......$7.19 Tea bags (25 Twinings)...............$5.45 Bacon (1lb, Oscar Meyer) ........$9.59 Coffee (11oz ground Maxwell House) ............................ $9.99 Decaffeinated (8oz instant) .$12.75 Orange juice (52oz, Tropicana premium) ............................................ $7.95 Tenderloin steak (1lb) ............. $36.99 Fish (1lb, salmon).........................$18.99 Chicken (per lb) Thighs ...............................................$3.69 Breast, boneless, skinless. $8.49 Hamburger meat (1lb, extra lean sirloin) ....................................................$5.29 Peas (1lb, Pictsweet frozen) .$6.69 Corn Flakes (12oz) ....................... $6.89 Potatoes (5lb) .................................. $6.99 Onions (1lb) ........................................$2.39 Lettuce (romaine) .........................$5.99 Cabbage (1lb) ...................................$1.99 Broccoli crowns (1lb) ..................$4.99 Asparagus (1lb) .............................. $6.99 Tomatoes (1lb, vine ripened).$4.99 Mushrooms (1lb) ............................$5.99 Grapes (1lb) ........................................$5.99 Apples (3lb, Golden Delicious).............. $8.99 Bananas (1lb) ....................................$2.29 Ice cream (1⁄2 gallon, Turkey Hill) .....................................................................$8.45

DRINK Beer (6 cans, Heineken).........$15.40 Table wine...................................$13–$35 Famous Grouse Scotch, 1 litre ..................................................................$45.35 Absolut vodka, litre ..................$38.70 Coke (6 pack cans) ..................... $9.69 Mineral water (1.5 litre Spa).....$2.65 Gosling’s Black Seal rum, litre ................................................................. $33.80

SWEET TREATS Cadbury’s Dairy Milk (49g) .....$2.59 Hershey’s chocolate (41g) ....$1.89 15

Money Matters

Affording The Bermuda Lifestyle It’s certainly a lovely place, but even with a good job Bermuda can seem expensive. Here’s a guide to help you budget.

iving on an island in the middle of the Atlantic Ocean means things inevitably will be more expensive than you might be used to. But the lifestyle you’ll enjoy here, more than makes up for the high prices. It is a great place to bring up small children but there is a price to pay for kids. You have the choice here of putting him or her through the free Government education system, from which many Bermudians and others have gone on to great careers. But the truth is that, given the choice, most parents here would opt for private education. A private education will cost up to about $24,000 a year. Add another $2,000 to $4,000 for uniform, books, afterschool care and other school-related expenses.

There are lots of daycare, nurseries and pre-schools. Costs vary between $800 and $1,400 month. There are also free public nurseries that are worth investigating. Est. 2007

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The good news for homeseekers is that rents being asked by landlords have declined between 20% and 30% over the past few years, and there is a surplus of apartments and houses on the market now. The more bedrooms you require, the more you obviously will pay. Everything is subjective but an ‘okay’ two bedroom, one bathroom apartment in an ‘okay’ area within 20 minutes of Hamilton will likely not be less than $3,000 a month. Prices vary widely, and sometimes you can be lucky. Grocery prices can be a bit of a shock at first. See our shopping list on page 15 for a clearer picture of particular items. Per month, you may need up to $600 per person to cover individual and household needs, so $2,400 a month for a family of four. As for utilities, that same family might pay $600 a month on electricity in the winter and double that in the summer if they use airconditioning. A modest used car that will get you around safely and reliably for three years could be as little as $12,000 while fuel, maintenance, insurance and fees might amount to $200 a month. New Resident 2024

BANKING

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ou don’t live an ordinary life, so why settle for an ordinary bank. HSBC Premier offers both local and global benefits designed for clients like you. Open a premium account today with one of the world’s leading International banks. HSBC Premier is the perfect choice for clients needing priority services, flexibility and 24/7 worldwide support. Premier clients enjoy reduced fees and preferential rates on a variety of products and services, including foreign exchange and loans as well as access to a range of global benefits for themselves and their family. Benefits such as fee-free cash withdrawals from all HSBC ATM’s worldwide and emergency cash of up to $10,000 in local currency at HSBC Premier Centres and HSBC branches. With HSBC Premier it's easy to manage your home and overseas accounts together. With HSBC’s Global View you can view all your eligible accounts from other countries in one place and with Global Transfers you can instantly move money across borders between your personal eligible accounts with no wire fees. Get tailored advice from someone who knows you. A dedicated Premier Relationship Manager will get to know you and your needs, providing financial planning services. Your family is Premier too, as your exclusive Premier benefits and privileges can be extended to your spouse and children (up to age 28), including rewards, offers and partnerships.

Premier Card Benefits Premier customers are offered Bermuda’s only annual fee-free credit cards—the HSBC Premier Bermudacard for local use or the New Resident 2024

HSBC Premier Mastercard for worldwide use, and earn 1.5x reward points on local, overseas and online spending. Ditch the restrictions of typical airline reward cards. Using your reward points choose from any airline, any hotel—anytime with no blackout dates—and enjoy discounted airport lounge access. The HSBC Premier Mastercard Black offers complimentary access to over a thousand airport lounges, free Wi-Fi access, as well as discounts on hotel bookings and accommodations—and no international transaction fees. It earns the highest reward points at double value (2x) for every dollar that you spend on purchases, enabling you to earn rewards faster. The HSBC Premier Visa Platinum debit card offers additional benefits such as Visa Concierge, Visa Luxury Hotel Collection, as well as price and purchase protection. All HSBC debit and credit card users are given automatic access to the new Home & Away discounts, with Premier customers gaining exclusive privileges. Discounts are offered on purchases related to the following six categories: travel, shopping, dining, wellbeing, education, and experiences.

Premier Wealth and Investment Solutions Growing your wealth and meeting future goals takes more than just hard work. It also takes planning. HSBC provides a dedicated Relationship Manager to customise a financial plan for you and your family that leverage our global network of investment expertise. You may also wish to try our HSBC savings calculators - Grow Your Wealth | Education Planning | Retirement Planning to see how you can take steps to reach your goals. They are simple to use and under¬stand no matter where you may be on your investment journey. For more experienced investors, we also feature our full range of funds. Have a look at our Investor Resources. For more information about how you and your family can experience the ultimate in Premier banking, contact 299-5252 or visit www.hsbc.bm/premier. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. 17

PERSONAL FINANCE

The importance of pension planning for new residents

idden amongst the basic logistical tasks that come with uprooting your life in favour of better opportunities, hides long-term financial planning. New residents tend to push this task aside in favor of easier ones to cross off a checklist. You may have a long-term plan in place in your home country or have decided that long-term financial planning tools are irrelevant on the island, especially if a work permit dictates your time here. Regardless of what brought you to our fair shores or how long you intend to stay, long-term financial planning is essential to your life post-paradise living (you may even find that you stay longer than you anticipated). Whether implementing a longterm or a short-term financial plan while on the island, taking

advantage of the products and local expertise is the first step. All companies offer pension plans for their Bermudian and Spouse of Bermudian staff. A select few offer a pension plan for their international staff. Suppose your company doesn’t provide a plan for its international members. In that case, they may offer to pay you the equivalent of what they contribute to their qualifying staff’s pensions (roughly 5% of your earnings per pay period). Employers are not obligated to do so, but if they do, you can go in a few directions with these funds. You can send it home to your existing retirement vehicle or look at the options here. One of the best options is a Personal Retirement Plan (PRP). Contributing to a PRP is different from regular savings. Funds are automatically marked as

retirement funds vs regular savings (depending on your home country, this may have more favorable tax implications when you reach retirement or repatriate down the line — don’t forget to consult with your tax professional when researching). Your PRP can also be seamlessly added to your monthly budget. You can set up recurring monthly contributions to keep you on track, and with no restrictions or minimums, this allows you greater flexibility when saving for retirement. While often overlooked in the process of moving to the island, Personal Retirement Plans are an excellent tool to utilise for the future while you call Bermuda home. Melanie Gauntlett is the Financial Pension Advisor at Freisenbruch. If you want further information about Personal Retirement Plans and the options available, please email: Pensionplans@fmgroup.bm or call 441 296 3600 and ask for the Pensions Department.

ARE YOU LOOKING FOR A PENSION PROVIDER YOU CAN TRUST? We understand you have many choices on island, that’s precisely why you should choose a provider that will not only work directly with your HR team every step of the way, but will always put your employees first.

Diversified Investment Options | Daily Valued Funds | Low Administration Fees For more information on our pension products, call 296-3600 or visit www.freisenbruch.bm

New Resident 2024

WORKING REMOTELY

Remote Work From Bermuda to volunteer their time to support the island’s many not-for-profit organisations and registered charities. Accommodation Whether you prefer a sophisticated hotel in the heart of the City of Hamilton or a traditional, whiteroofed home somewhere more peaceful, many of Bermuda’s hotels and vacation rental homes are offering long-stay incentives. If you want your own home for a year, contact any one of Bermuda’s real estate agents and they will help you find whatever you need. Office Space If you don’t want to work from your Bermuda home or just miss the camaraderie of being in an office, there are a number of serviced and flexible office space options available in Bermuda such as Suite Solutions, Connectech, Nineteen and The Waterfront Properties.

Consider improving your quality of life, and view, by applying for a Work From Bermuda Certificate. Who is Eligible? The certificate is designed for professionals, investors, entrepreneurs, digital nomads and post-secondary students who are working or learning remotely. You must be over the age of 18 with no criminal record and possess valid health insurance. In the case of a remote worker you must be able to prove employment with a legitimate firm or your own company registered and operating outside of Bermuda; in the case of a student you must provide evidence of enrolment in a research, undergraduate, graduate or doctorate programme. How to Apply It couldn’t be easier. Fill out the form online at forms.gov.bm/ work-from-bermuda/apply. You will need proof of employment or school enrolment and a colour scan of your New Resident 2024

passport photo page including, where relevant, your visa information. If you have all the documentation ready, it should only take 15 minutes. Pay the $263 application fee. Wait no more than five business days for an answer. Once issued, the certificate is valid for one year, and if you don’t want to leave, you can renew it. Bring the whole family Bermuda’s climate makes it an ideal place to base the whole family. If your children aren’t enjoying remote learning, they can attend any of the many private or public schools on the island and can enjoy numerous sports programmes, outdoor activities and other extra-curricular activities with their new friends. A separate application is needed for each family member and adult dependent family members cannot seek paid work, but they are allowed

Getting Around If you hold a Work From Bermuda certificate, you are a resident not a visitor. This allows you to buy a car. Unfortunately, international drivers licences are not valid in Bermuda, but a local theory test and practical exam will rectify that. If you don’t want to take the driving test or buy your own car, you can rent mini-cars or scooters. There is also a public bus and ferry service. Help With Your Move Even though the certificate application process is easy, relocation to a country might seem a daunting prospect, especially if you are bringing your family. Bermuda’s Business Development Agency (BDA) – www.bda.bm – can help, as can the Bermuda Tourism Authority (BTA) – www.gotobermuda.com. For that extra special personal touch contact Corporate Concierge www.corporateconcierge.bm. Or Global Consultants, email: Global Consultantsbermuda@gmail.com 19

IMMIGRATION

Getting the balance right Bermuda continues to maintain the delicate balance between encouraging new residents who can create new jobs and ensuring Bermudians have fair employment opportunities.

ith sub-tropical temperatures, beautiful pink beaches and one of the highest standards of living in the world, it is no surprise that Bermuda needs immigration controls to ensure that it is not overrun by people looking for the good life. Still, immigration tends to be one of the least understood areas of moving to Bermuda – and the one which may lead to frustration. The basic means of controlling immigration is a work permit. If you come to Bermuda with the intention of working and you are neither a Bermudian nor a spouse of a Bermudian, you must have a work permit. To qualify for a work permit, you must have an employer who has carried out the necessary due diligence and advertising to satisfy the Department of Immigration that there is no qualified Bermudian available to do your job. And you must fill out a number of forms and get the necessary documentation. Certain other restrictions can also apply. There are limits on the number of children you can bring to the Island due to concerns about overburdening local schools and 20

your ability to support them. All work permit holders must sign a declaration that they have no right to remain in Bermuda, or to gain residency rights, once their work permit has expired, regardless of how long they have been on the island. Only marrying a Bermudian, qualifying for rights under other legislation such as the “Job Makers Act” and certain other processes will override that declaration. The standard work permit is for one year, but there are also two-, three- and five-year work permits. The work permit is not held by you, but by your employer, and there are restrictions on what you can do under the work permit. For example, you generally will not be able to work in a second job and you usually will not be able to change jobs until you have been in Bermuda for two years. Many people who are intending to work in Bermuda have a spouse or partner. This can be complicated. You might be an insurance executive or actuary but if your spouse is a retail store manager or a nuclear physicist, finding a job in Bermuda may be more difficult. Sometimes the jobs will simply not exist or they may be closed to non-Bermudians because

it is believed there are enough Bermudians available to carry out the role. As a rule of thumb, the spouse would be wise to seek employment before coming to Bermuda. Once here, the spouse must get a letter from Immigration giving permission to seek employment before looking for work. In any event, if the spouse wishes to come to work in Bermuda, this must be stated in the work permit application. Individual permits are also required for children. If your spouse, partner or children do not intend to work, they must still be included in the application form and you need to show you earn enough to support them financially. Anyone coming to Bermuda also needs to be aware that certain jobs are “closed” or “restricted”. Closed categories, which include jobs like general labourer, office receptionist and taxi drivers, cannot be held by non-Bermudians unless they have a Bermudian spouse. Some other jobs, where there is a lack of qualified Bermudians, are easier to get with an in principle application. These run the gamut from actuaries to nurses to butchers. There are a number of measures in place aimed at encouraging businesses to come to Bermuda or New Resident 2024

IMMIGRATION to stay in Bermuda. For example, a new business coming to Bermuda can get permission not to advertise the jobs of up to six senior staff members before getting work permits for them, and these jobs would not have to be advertised for two years. Non-Bermudian owned companies operating locally – known as section 114b companies – can also get some concessions on work permit requirements. A second policy enables a company to be granted a global work permit, by which a senior employee of a global company can come to Bermuda without the need to advertise the work permit. The only condition is that the employee should not be filling an existing position in the Bermuda office. An Entrepreneur’s work permit has also been created to enable people to live and work on the Island for up to a year while developing their business plans and raising capital for new international companies. “Job Makers” legislation enables executives who are responsible for at least ten jobs held by Bermudians to be eligible for permanent residence. For companies in the financial technology (fintech) space, new companies can get automatic work permits for up to five nonBermudian employees provided they apply for them within six months of the first permit being granted. There are similar processes for new companies that are not in the fintech space. Fees: Three-month short-term work permit......................................................$705 One-year standard work permit...................................................$1,105 Three-year standard work permit.................................................. $3,795 Five-year standard work permit..................................................$6,510 One-year global work permit.................................................. $1,955 Three-year global work permit.................................................. $4,740 Five-year global work permit..................................................$7,460 New Resident 2024

Visa, Passport, Work Permit and Immigration Services

Patricia Darrell

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Washington Mall (Balcony level) 22 Church Street. Hamilton HM 12 Tel: 441 543-9777 or 441 543-9778 Email: globalconsultantsbermuda@gmail.com

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PROPERTY

Home Help

Moving house combined with moving to another country can be stressful. Here’s a few tips to ease the pain

enting a home when you first come to live in Bermuda is not only wise, it is also the only option for most new residents. Many houses here have separate rental units, which can range from studio apartments to garden cottages. Condominiums come in all shapes and sizes, and there is always a wide range of executive homes available at any given time. The best way to start looking for a rental property—and you should see quite a few before making your final choice—is with the help of a local real estate agent. It is also well worth searching online. Alternatively you or your future employer could hire a relocation service. This is almost a necessity if you’re trying to secure housing before arriving on the island. Some employers may pay for you to stay at a hotel or guesthouse for a few weeks, to give you time to look for accommodation. Your housing needs will be dictated by your family requirements as well as your interests and work schedule. If, for example, you have the kind of job which requires shift work or the need to be called in at odd hours, you will want to live

relatively near to your place of employment. If you have children, schools will be a consideration in your choice of location. Places at government primary and middle schools are allocated on the basis of zoning, which you may want to bear in mind when selecting your new home. Rental units in the central parishes of Devonshire, Paget, Warwick, Pembroke and Smith’s tend to be pricier. However, as you will quickly learn, nowhere in Bermuda is very far from anywhere else and Hamilton can be reached by road from either end of the island in not much more than 30 minutes. There’s also a good ferry service for commuters from the west end. There is lower demand in east and west ends of the island, which means you will find lower rents, or get more square foot for the dollar. The best time of year to look for housing is in the late summer, as students prepare to leave Bermuda for college and seasonal tourist workers leave the island. Monthly rental for a studio apartment starts at no less than $1,000. One-bedroom apartments

are priced from just under $2,000 to $3,000, with those in the City of Hamilton commanding the highest rent. For a two-bedroom apartment or condominium you’re looking at $3,000 to $4,000 a month. Twobedroom units are the most broadly in demand and are therefore the hardest to find. Waterviews, rural settings, proximity to golf courses and other desirable features such as a swimming pool and tennis court, can push the price to the top of the range, with some wellappointed units going for more than $7,000. For an executive three or four bedroom family home with nanny quarters, a pool and ocean views, the sky is the limit. Properties in this range usually start at $10,000 and it would not be unusual to see a luxury property at the very top end of the market being advertised for $20,000 a month. The most sought-after properties are stand-alone cottages either on the water or with water views. They are also the most expensive per square foot. If you have your heart set on something like this, consider renting a lesser property to give you time to search for your ‘dream home’, and until something becomes available. When it comes to the ‘added extras’ for your rental home, be careful to check the lease carefully. The maintenance of the garden or pool is not always included in the rent, so be sure to ask. Similarly, establish whether you or the landlord

New Resident 2024

PROPERTY will be responsible for the payment of annual property taxes. As a general rule, if the lease is for less than three years, the landlord pays. If you are renting a condominium, establish whether you will be responsible for the condo association maintenance fees. Generally speaking, the landlord takes care of the exterior of the property and the tenant the interior. Renting furnished accommodation is often the simplest solution. But if you do choose to bring your furniture with you, remember that you will pay import duty to land it in Bermuda. Most unfurnished properties include major appliances. There is also a vibrant secondhand market for furniture and household furnishings, in which you may choose to participate as a buyer at the start of your stay in Bermuda or as a seller at the end. The majority of properties are leased on a monthly basis with rent payable one month in advance, and with usually a month deposit at the start of the lease against breakages. Such a deposit is not always repayable. You may also be responsible for repainting the walls and ceiling of your rental property before you vacate. Be sure to ask. Finally, two important points. You need a work permit before a formal lease can be signed. And only one car per household is allowed in Bermuda. So if you plan to buy a car, make sure your rental unit has what is known as an ‘assessment number’ for that property.

New Resident 2024

What does it take to relocate?

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Your Piece Of The Rock

undreds of people from all over the world have bought homes in Bermuda — some because they chose to retire here, some due to work commitments on the Island, still more for vacation purposes and others for any combination of the above. Over the decades, property has grown steadily in value while remaining secure due to Bermuda’s history of political and social stability. There are opportunities for people from abroad to buy grand local houses from about $4 million up to $25 million. There are also some condominiums available to overseas buyers, and these range from roughly $1 million to upwards of $3 million. Buying here involves a bit of red tape but nothing too onerous. And there is a one-off Government fee for foreign acquisition of a local property of 8% for houses and 6% for condos. The purpose is an honourable one — to negate the risk of international speculation in the local property market. These figures are likely to rise in the near future, so now is the time to buy. If a year-round home is more than you need, there are several first-class fractional ownership properties to contemplate. Whichever option you eventually choose, the current buyer’s market will make the apparently hefty initial investment seem positively shrewd in a few years time. However, it is the lifestyle rather than the investment opportunity that motivates most buyers of luxury Bermuda homes. And that — the Bermudian way of life — is truly priceless. New Resident 2024

INSIGHT

Meet some new residents The Broxup family moved to Bermuda in 2022 and say they want to be here forever

ot so long ago, Paul Broxup’s daily routine involved the grind of the London Underground, precious little time to spend with his young family and typically miserable British weather. Things have certainly changed for the better since he moved to Bermuda with wife Delilah Moinian and young daughter Deia. Broxup, 42, who arrived on the island to work as a portfolio manager for Nephila Capital in March 2022, already feels at home – as do his family. “Just the fact that the job is in Bermuda has been a very happy positive,” he says. “The one benefit from a personal perspective is that my commute has gone from an hour to several minutes. The ability to be efficient and have a decent work-life balance has been very nice.” After experiencing lockdown in London, the family jumped at the chance to move to a warmer location, where three-year-old Deia can enjoy a safe, outdoorsy lifestyle that would have been impossible in a big city. They have settled into their new community. Somersfield Academy pupil Deia is learning ballet with In Motion School of Dance, Broxup plays cricket at Shelly Bay for The Associates, and Moinian volunteers at the Bermuda Diabetes Centre, while they all love to relax at Jobson’s Cove and Elbow Beach. Moinian has even joined forces with a Bermudian friend to create a new business promoting events and workshops, after noticing it was difficult to find out what’s going on in the

community. The new job has also gone well for Broxup. “It’s a super professional office but equally it’s very friendly,” he says. “There’s a difference between the UK, where I spent most of my career, and here. There’s a lot more interaction with your colleagues outside the office. “Firstly, you are going to bump into people outside the office anyway whether you want to or not. Secondly, there’s a relatively large proportion of expats, so people are more willing and open to being friendly in a way that perhaps they’re not in the UK. “I feel like I know my colleagues here far better after nine months than I did at my previous job for nine years.” The time zone is handy because it enables smooth communication with both the UK and the US, and then there’s the perk of riding to the office on a motorbike. “Coming and going out on the scooter, I love it,” he says. “I always loved bikes, being on two wheels, that feeling. It’s the best medium of getting into a flow state, just enjoying moving.” Moinian, 36, who has a background in finance, retrained as a psychologist while in London but her qualifications do not allow her to practise on the island. As one door closed, however, Moinian opened another with her Bermudian business partner Sabrina Heyns. “When we first came here, I wanted to do things with Deia, but I would Google what’s going on, what classes are there, and I didn’t really find much,” she says.

“Every time I’d come across something, it had already happened. Then I realised it was either word of mouth, or you had to be signed up to a million different newsletters to know what’s going on and who’s doing what. “I thought it would be such a great idea if there was a platform for fun activities so you could just go on there and book it and do the whole process on that platform.” The platform, named “Wopnin” after the Bermudian slang for “What’s Happening”, will also encourage skilled members of the community to offer workshops for children and adults. It was due to launch a website officially early in 2023 and has already used Instagram to connect New Resident 2024

INSIGHT

people with classes such as cookiemaking, exercise training, yoga, and cocktail-making. “The idea is that anyone who thinks they have something to offer, they can just go in and sign up as a teacher and put their idea forward,” she says. Bermuda has been a perfect location for Moinian. “Paul and I say to each other, ‘It’s the world’s best kept secret.’ We really couldn’t believe that somewhere like this existed,” she says. “It was and still is absolutely magical. You don’t have to go very far to come across the most beautiful scenery, and the people are so lovely and friendly and warm, which coming from London was New Resident 2024

quite a change. We really loved everything about it immediately.” Making friends has been one of the highlights so far. “I was at the paediatrician’s office with my daughter, and there was this other mother with her kid and we just started talking,” Moinian says. “We went into the doctor. When we came back, she had left a note on my daughter’s pram saying, ‘It was lovely talking to you, here’s my number, I would love to go for a coffee and get to know you more.’ “This is the kind of interaction I’ve had everywhere. It’s just such a lovely vibe.” All of this is good news for gregarious toddler Deia. “She absolutely loves it. She loves

talking to people. Literally, in the street, cafés, people will start talking to her. We went back in the summer to the UK, and she was in the same frame of mind, and she would walk up to people and start talking – people would sort of look at her and walk past!” The journey has not been without the occasional bump in the road. Seeking rental accommodation was a challenge, although Broxup says they were fortunate to be provided housing by his employer before finally finding a suitable property in Paget. Broxup also noted the cost of living, citing the example of a Waitrose pizza worth £1.50 in the UK being sold for $14 in Bermuda. “As I think anyone would testify, it’s clearly a bit of a shock,” he says. “Before I came here, I remember reading that the cost of living in Bermuda is three times that of London and I scoffed at that. But I’ve come to realise that it’s probably not far off. From a grocery perspective I’d say that’s pretty much accurate.” High prices have also left the family regretting not bringing their old furniture with them, when they could have taken advantage of their one-time tax-free allowance. “You can get everything you need on the island, but you are going to pay triple and you are not going to have much choice about what you are getting,” Broxup says. And while Bermuda has been their ideal location, that doesn’t mean it will suit everyone. “I would say it would depend on the individual,” Broxup says. “For me and my wife and my daughter, and the stage of life we’re at, it’s a very appealing proposition. For someone in their 20s who is looking to go out and meet lots of people and have a good time, that’s possible here but obviously it’s a relatively smaller group of people that you’re going to be interacting with potentially.” For this family, though, there’s no plan to relocate any time soon. “We fell in love with Bermuda,” Moinian says. “It’s made us want to be here forever.” 27

TRANSPORTATION

Getting on the road All you need to know about driving in Bermuda

any new residents find driving on our roads a bit peculiar. After all, if you’re from North America, here you will be driving on the “wrong” side of narrow, single-lane roads. You will also have to adjust your speed to our 35 kph (20 mph) limit and get used to driving in what Americans call a compact or subcompact car — or small family car in British acceptation. There’s also the issue of being allowed only one car per household. Within no time, however, you will appreciate and enjoy being out and about on some of the most beautiful drives in the world. One of the pleasures of living in Bermuda is that it doesn’t take long to get anywhere, even with the slower speeds at which we ride. If you choose to live at the extreme east or west ends of the island, your commute into Hamilton will be 30

New Resident 2024

minutes or less and only 5 or 10 minutes when you live in Pembroke, Paget, or Devonshire Parishes. Prices for new cars are higher than in North America and Europe, due to shipping and import duty rates. However, we strongly recommend buying here. There are severe restrictions on importing your own vehicle. One of the least expensive cars available is the Renault KWID at $18,540, available from Eurocar. Eurocar also offers the popular Zoe electric from $46,950. Auto Solutions has a wide range of cars to choose from such as Hyundai and Suzuki models, and it also imports Mitsubishi, Honda and Mazda vehicles. You will almost certainly find running costs for a car in Bermuda less than back home. Although the price of gas (petrol) is relatively high in Bermuda compared with other

countries (currently $2.24 per litre, or $8.50 per gallon), you’ll likely be filling up infrequently due to the short distances driven. Insurance is reasonable, and, because it’s unlikely that you will be clocking up high mileage, maintenance and repairs should be minimal. Due to our narrow roads, the size of private cars allowed in Bermuda is strictly controlled with a maximum length of 175 inches and maximum width of 71 inches. Engine size is also restricted to a maximum of 2,500 cubic centimeters. As mentioned earlier, cars are restricted to one per household; otherwise, our roads would become far too crowded. When looking to rent a property, ensure it has an annual rental value (ARV) number available to you in order to register a vehicle. There is no restriction on the number of motorbikes or scooters you may own, and most families find they can manage transportation comfortably. The only driving licenses accepted in Bermuda are those issued by the Transport Control Department (TCD). You will be required to take a written and practical driving test for a car or motorbike. Your new car or bike will also have to be tested for roadworthiness and registered with TCD. Annual car license fees vary from $273 for the smallest category of car to $1,510 for the largest cars. Parking around Bermuda is generally free, with the exception of parking in Hamilton. It costs $5 per day in several car parks on the outskirts of the city created for commuters, $2 per hour (maximum 3 hours) in the centrally located car parks intended for shoppers such as at City Hall, and $2 per hour to park on the street. 29

TRANSPORTATION

The effortless way to get on the road on a scooter or motorcycle

cooter Mart provides a hassle-free, one-stop shop service to buy a bike, get it licensed and insured, and to obtain your Bermuda driver’s license Many new residents wonder about the best way to get around the island — bus, taxi, car, bike or ferry. Quite quickly, they conclude that a scooter or motorbike is the most cost effective and convenient way to travel — which is why you see so many of them on our roads. Getting on Bermuda's roads may at first seem daunting for newcomers, but Scooter Mart

A brand new bike will cost less than 10% of the cost of a car simplifies the process from start to finish. Its comprehensive services transform the hassle of acquiring and licensing a scooter and obtaining your local driver’s license, into a seamless experience. Scooter Mart is your dedicated guide through the intricacies of paperwork, tests, and appointments—it’s like having your own personal concierge for your transport needs.

Why a bike? A brand new bike will cost less than 10% of the cost of a car; license fees are from $99 to $158 depending on the size of the bike, compared with $304 to $1,678 for a car; insurance is less expensive; and of course, you’ll spend far less on gas. There’s plenty of free bike parking everywhere in Hamilton, whereas it can cost up to $20 a day to park a car. And to license a car, there’s the added complication of needing a house ‘assessment’ number, because only one car per household is allowed in Bermuda, and your landlord may 30

or may not be able to provide you with an appropriate assessment number, which is how the policy of restricting car ownership is controlled. For a couple and families who do choose a car, they often find that they need two vehicles. And without the possibility of being able to own two cars, a bike becomes the only other option.

Get on the road now You will need a Bermuda driver’s license to ride a private bike on the island — international driver’s licenses are not accepted in Bermuda. However, there is some good news. Scooter Mart will rent a bike to you for as little as $13 a day, based on a 28 day rental, provide a helmet, road safety instructions, riding practice and advice free of charge, and get you on the road on your first day on the island. All you need is ID, be over 18 years of age and have a driver’s license from another country. Having a rental scooter immediately will change your life and make it possible to get around to all those errands and appointments you must deal with as you settle in to island life. What’s more, when the time comes to purchase your own bike, Scooter Mart will provide you with a credit of 15% of the cost of your rental bike towards a new bike — and that’s unlimited, whether you rent a bike for a day, a week, a month or more.

Choosing the perfect bike Now you have temporary transportation, you can take your time in choosing the right motorcycle or scooter to purchase. Visit www.scootermart.bm, stop by Scooter Mart showrooms on Church Street in the centre of Hamilton or on Lover’s Lane in Paget. Browse through the inventory, see what you feel comfortable on. Sit on the wide range you’ll find, kick the tires, and take some for a test drive. You may need something small and light, or a larger, more spacious bike. Something sporty and cool, or something practical. Scooter Mart offers financing and can also help provide all the necessary accessories — helmet, rain suit, remote locks, anti-theft devices, a top box for storage — literally everything you need, with package discounts available. Select your bike, and put down a $500 deposit, and then be assured that your bike is reserved just for you and will be waiting for you once you have your Bermuda driver’s license. Important note: You don’t need to have obtained your Bermuda driver’s license to reserve your scooter. It is recommended that you reserve the bike and colour you want as early as possible as inventory can often be unpredictable on this small island.

Easy steps to obtain your license Now that you have chosen your bike, Scooter Mart will guide you

EASY STEPS TO GET ON THE ROAD Renting a bike at Scooter Mart or Elbow Beach Cycles gets you on the road on day 1 • ⚫Choose your new bike at Scooter Mart and put down a $500 deposit • Scooter Mart will set up appointments to obtain your driver’s license Step 1: Brief medical exam Step 2: Quick computer-based test at TCD Step 3: Practical riding test at TCD • Ride off on your new bike from Scooter Mart New Resident 2024

TRANSPORTATION and be with you every step of the way to help you obtain your Bermuda driver’s license. STEP 1: Brief medical examination. Firstly, you’ll need to take a very short medical at any local doctor’s office. Several doctor’s offices, such as Hamilton Medical Centre (www.hmc.bm) offer this as a walk-in service. Alternatively, Scooter Mart will make an appointment for you somewhere close to your workplace. STEP 2: Quick computer-based multiple-choice test at TCD. Next, you’ll take your (1) medical certificate, (2) passport, and (3) work permit copy, to TCD (Transport Control Department) www.etcd.gov. bm where you’ll be asked to take a quick computer-based multiple choice test. TCD do take “walk-ins” for this test, but it’s usually a good idea to call ahead and schedule an appointment. The test only takes 10-15 minutes, and could be done in your lunchtime. Again, Scooter

Mart will make that appointment on your behalf. Once you’ve passed this test, TCD will take your photograph and issue you with a learner’s permit. STEP 3: Practical riding test at TCD. Now you’re able to schedule the final step of the process, the practical riding test, to prove that you’re proficient in riding a motorcycle. The friendly Scooter

Bike parking in Hamilton is free. It can cost up to $20 to park a car Mart team is always happy to help provide some clarity on the test, safe riding tips and explain what the test examiners will be looking for. If you would prefer to have one or two riding lessons prior to the test, Scooter Mart can recommend some professional instructors to help you practice and gain confidence before your test. Unfortunately, you cannot take

the practical test on a rental scooter, nor can you ride another bike to TCD (because you don’t have a driver’s license yet). The good news is that Scooter Mart will deliver a bike to TCD (for free!) on which you can take this test. Scooter Mart will even bring a helmet for you to wear.

That’s it! Once you’ve passed this test, you’re done! TCD will now issue you with your Bermuda driver’s license which will be valid for 10 years. Now you’re ready to take delivery of your brand-new bike from Scooter Mart. Scooter Mart is an agent for all the local insurance firms and can arrange all other matters for you in-house. With Scooter Mart’s Best Price Guarantee policy, you can shop with ease knowing you’re getting the best deal available in Bermuda. And you’re off! Go explore and immerse yourself in this beautiful island paradise the Bermudian way — on a scooter.

Space for Everything in The 7 seater Renault TRIBER.

TRIBER

2 Woodlands Road, Pembroke Monday-Friday 8am-5pm Saturday 10am-1pm Tel: 292-3240 Email: sales@eurocar.bm For the full range of Renault vehicles visit www.Renault-bm.com New Resident 2024

HAMILTON BUSINESS MAP 1

AIRCARE AP Marine American Consulate Auto Solutions AXA XL Bermuda Cancer and Health Centre Bermuda Centre for Creative Learning Bermuda Chamber of Commerce Bermuda Media Bermuda Monetary Authority (BMA)

4 6 5 41 3 14 38 32 17 9 34

Bermuda Stock Exchange Bermuda Tourism Authority Bermuda Waterworks BF&M BHS BUEI Bus Terminal Café 4 Chubb Corporate Concierge/Bermuda Relocation

4 27 40 2 7 44 28 20 13 24

Eurocar Ltd Fast Forward Freight Ferry Terminal Freisenbruch Global Consultants Gov’t Information Services Gov’t Offices including Immigration Harbourfront Restaurant Headway Hair & Body H.M. Customs

8 49 16 31 25 37 36 42 25 43

8 5

22 6

11 12 18 13

17 16

43 44

30 39 29 18 12 11 10 1 50 23

Offshore Yachting & Maintenance Opposition Leader Phoenix Stores Post Office Premier & Cabinet Office Royal Bermuda Yacht Club ScooterMart Saltus Grammar School Tangles

HSBC Head Office In Motion La Trattoria Library Little Venice Restaurant L’Oriental Restaurant L’Oriental Express Marine Locker Marshall’s Maintenance MSA

48 46 19 35 45 15 21 , 4 7 22 33

23 34

24 28

25 27 26 29

37 33

20 19 30

HOLIDAYS

Our ten special days Bermudians love a holiday — and who doesn’t. Here are details of all ten that you will celebrate with us. GOOD FRIDAY March 29 2024 An important day in the Christian calendar. In Bermuda this is also a day for kite flying and eating codfish cakes and hot cross buns.

The official start of the Bermudian summer. There is also a halfmarathon running race, fitted dinghy racing and a carnival–like parade.

NATIONAL HEROES DAY June 17 2024 BERMUDA DAY May 24 2024

Celebrating local heroes and heroines.

Ready for an adventure?

CUP MATCH August 1 and 2 2024 The island stops for a two-day cricket match. Thousands gather to watch the game, eat, drink, socialise and try their luck at Crown and Anchor gaming tables.

INFORMATIVE & FUN! The DeCesares -Sussex NJ

The gombeys are a folklife tradition full of colourful masquerade, dance and drumming, who perform on some holidays and other occasions

LABOUR DAY September 2 2024

LOVED IT! Dan & Nicole T. - PA USA

There’s a morning march from Union Square in Hamilton to Bernard Park. After speeches by union and political representatives, there is musical entertainment and refreshments.

REMEMBRANCE DAY November 11 2024 A special service takes place at the Cenotaph on Front Street in the morning.

AWESOME! Emily B. - Bermuda

CHRISTMAS DAY December 25 2024 Bermudians celebrate Christmas in a big way with a family feast of turkey.

BOXING DAY December 26 2024 Many families throw their homes open to family and friends for a ‘stop by’ and of course food and refreshments. The gombeys will also be out, so listen for the beat of that drum.

DON’T MISS

NEW YEARS DAY January 1 2025

buei.bm

40 Crow Lane, Pembroke, Bermuda (441) 292-7219 | info@buei.bm

Bermuda Underwater Exploration institute

In Bermuda this may mean anything from a quiet day with family to further revelry. New Resident 2024

ISLAND ETIQUETTE

Courtesies & Manners This candid guide may save you from embarrassment and a surprise or two

DO try to appreciate that, while Bermudians are generally welcoming folk who understand they need help to run the island’s sophisticated economy, they get somewhat ticklish when they suspect someone is being brought in to change the proverbial lightbulb (even if the truth is more complicated), or suspect that your job could easily be done by a Bermudian. Be straightforward, low-key and ready to laugh at your own expense and you’ll have no problem. DON’T burst a blood vessel if that package that you’re used to getting from Amazon overnight, takes four or five days to reach you in Bermuda. Some things just take a little longer living on an island. DO be prepared for some ‘gossipy’ dinner table talk here. A local politician’s insignificant blunder is likely to get half an hour of animated banter, while the latest New Resident 2024

global disaster is dismissed with a distracted “Sad…”

DON’T gossip about one local to another. Invariably, the subject turns out to be your interlocutor’s cousin/ neighbour/ex-spouse — you get the idea. The key concept to remember: everyone you meet is probably related and slated to talk soon. DO be patient if you make a social arrangement with a Bermudian and he or she shows up 20 minutes late. It’s a kind of custom here — infuriating to outsiders until they wise up to ‘Bermuda time’. You should, of course, always show up to business meetings on time.

DO expect waiters or shop assistants to provide friendly and helpful service. But don’t expect them to over-indulge you with formal respect. Things are a little more relaxed here. DO say “Good Morning”, “Good

Afternoon” or whatever is appropriate when you greet a Bermudian. Failure to do so will severely impede your chances of ever getting anything to eat, purchasing products, or making a cab move in a forward direction. In short, being nice is a necessity here. Sorry.

DON’T be shocked to hear the mild-mannered local banker or lawyer you know as, say, Fred Smith, being referred to by colleagues as perhaps “Big Meat” or “Flea” or even “Sledgehammer.” Nicknames are a Bermudian thing; just look in the Obituaries column of the Royal Gazette each day to see some wonderful examples. DO plan to eat out before 10pm unless you want fry-shaped solidified grease from some late, late take-out. Bermudians generally eat around 7:30pm to 8:30pm and there’s precious few eating establishments open late. 35

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BOATING

Unchartered experiences await

here isn’t much watersportswise that you can’t do here — except ice fishing. The waters could hardly be clearer or warmer, and the winds could not be more favourable for sailing, which is why Bermuda was chosen to host the 35th America’s Cup, held in 2017. Thanks to this event, the Island is now synonymous with one of the world’s greatest sporting events and the most prestigious trophy in all of sailing. America’s Cup teams from France, Britain, Sweden, Japan, New Zealand the USA moved to Bermuda a year or more in advance of the racing. Hundreds of team members and their families became “locals” and fully integrated into our small community. During the monthlong racing, 30,000 spectators came from all over the world and dozens of super yachts with billionaire owners and well-heeled guest on board converged on the island to watch the racing in ultimate luxury. Today, Bermuda is one of the international locations chosen to host the international SailGP global sailing league, where the world’s New Resident 2024

greatest sailors race wing-sailed foiling catamarans at speeds of more than 50mph. Sail GP will be returning to Bermuda in May 2024. There are many intangibles to the legacy the America’s Cup left behind, but others, such as new marinas and other boating facilities, are very real. Bermuda is a boater’s paradise and there’s no reason to spend the weekends stuck on dry land when there are so many options for having fun on the water. There are thousands of reasons to go boating, and when you’re in Bermuda, you’ll find the possibility well within your grasp. Boating brings the family together and creates memories. There are few experiences that create as much fun as boating, whether you’re just out for a leisurely cocktail cruise, drop anchor for a day’s swimming and lounging in the sun, or perhaps something more active, such as fishing, water skiing, wake surfing, wake boarding or tubing. It’s a great way to get exercise out in the sunshine and fresh air. And while Bermuda’s land mass

may be only a few square miles, cruising the coastal waters provides virtually unlimited recreation space and brings an entirely different perspective to how you see and think about your island home. First, decide what will you use a boat for: family pleasure, water skiing, fishing or do you prefer sailing? Next ask yourself what style of boat and size would you like and, of course, your budget. There are several reputable boat dealers on the island, including Marine Locker (www.marinelocker. com) and A&P Marine (www. apmarine.bm) who can help you with the process of choosing the boat that’s right for you. Boats may not be trouble-free, but when you buy from a local dealer, you have the added reassurance of a warranty on new boats, and a trusted advisor for service and maintenance. If you want to meet like-minded boaters, consider joining a club. The clubs listed below organise regular sailing regattas and also welcome motor boaters. The Royal Bermuda Yacht Club. www.rbyc.bm 37

BOATING

The Royal Hamilton Amateur Dinghy Club. www.rhadc.bm Spanish Point Boat Club. www. spanishpointboatclub.bm St. George’s Dinghy and Sports Club. www.stgdsc.com

Sandys Boat Club. www. sandysboatclub.com Keen fishermen will want to join the Bermuda Anglers Club www. bermudaanglersclub.com. Its members come from all sectors

Proudly offering a wide range of services to keep your boat in great condition.

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of the community, with a focus on junior anglers and their families. The Bermuda Government Department of Marine and Ports is responsible for monitoring commercial and recreational boat traffic and manages boat and mooring registrations. Current fees and other information can be found on its website: www.gov.bm/ department/marine-and-ports The hurricane season in Bermuda is from June 1st to November 30th. You will want to have a plan to take care of your boat during these months, in the event a tropical storm or hurricane hits the island. Owners of small boats will usually haul them out of the water. There are several precautions you can take for larger boats and we suggest you seek advice from your insurance firm, boat dealer or boat club. Of course, maintaining a boat does come with some responsibilities. The highly skilled experts at Offshore Yachting and Maintenance (www.oymbermuda.com) will help you maintain your vessel in tip top condition. One final word. When you are on the water, please help us protect and preserve our environment. Never throw anything overboard, particularly plastics, and fishing lines. They can entangle and kill marine life, especially turtles. Please try to reduce your use of plastics, recycle where possible; and take your garbage home with you, or make use of trash cans ashore. Our coral reefs are a national treasure and an essential part of our fragile ecosystem. The reefs can be easily damaged by boat anchors, hulls and propellers, so please be cautious when boating near the reefs.

New Resident 2024

SCHOOL REPORT

The Saltus Journey: From Here, Anywhere.

ince 1888, Saltus Grammar School has earned a reputation as one of Bermuda’s most progressive private schools. Today we are a fully coeducational school for students from ages 4-18. With two stunning campuses, students enjoy an enhanced learning environment that is full of life, energy, and discovery. From our youngest learners to our graduating students, we place students at the centre of their learning. We are adaptable, innovative, and responsive in our approach to teaching and learning. Our educators come from Bermuda and around the world. Every day they guide our students with their wealth of knowledge, skills, experience, and passion. We know that student success now extends far beyond the pages of textbooks. Today, students need to know themselves, understand New Resident 2024

the diverse perspectives of others, develop strong communication and collaboration skills, and apply their knowledge to find solutions to real-world problems. Whether in the arts, athletics, service learning, or through leadership opportunities or the array of clubs available; each student has the opportunity to explore their interests. As citizens of the world, our entire learning community, from our dedicated educators to our diverse student body, is guided by our values of belonging, respect, integrity, courage, and empathy.

We’re Innovating How We Learn Saltus is on the path to becoming certified as a British Columbia Offshore School by the fall of 2024. Building on the strength of our existing programme, becoming a BC Offshore School offers the added benefit of an internationally

recognised curriculum accepted the world over. Each year, graduates receiving BC’s Dogwood Diploma are accepted to top universities around the world. Academic rigour combined with a personalised approach to learning that is responsive to the individual learning styles of students ensures that our students have the futureready skills to be successful in the world beyond our doors. Saltus has been recognised as a leader in Bermuda in offering Advanced Placement (AP) courses to our students for 48 years. Our students will continue to have the opportunity to extend their learning with our AP course offerings, to complement their Dogwood Diploma, if they choose. Equipped with the transferable skills, knowledge, and mindsets, Saltus students can go anywhere and do anything they choose. 41

SCHOOL REPORT

For Students Who Think and Learn Differently

tudents who have learning differences, such as dyslexia and ADHD, often struggle in traditional school settings. Established in 2015, the Bermuda Centre for Creative Learning’s mission is to empower students by providing a personalised and flexible learning environment to support their unique learning styles. Small class sizes led by master teachers with a nurturing approach positively impact students’ self-confidence and academic performance — making a huge difference for them and their families. Each student has an individual learning plan, including goals to meet their academic, social, and emotional growth. Teachers continually track student progress, allowing students to move year levels throughout the school year.

Daily physical education classes, brain breaks, and mindfulness are incorporated into each school day. Specialist therapeutic interventions can also be coordinated on-site during the school day as part of BCCL’s wraparound support. BCCL follows the UK National Curriculum, the International

Primary Years Curriculum (IPC) and the International Middle Years Curriculum (IMYC). All integrate core subjects through project-based learning, allowing students to learn multiple subject areas through thematic units in a cross-curricular approach. This curriculum is supported by a flexible class design and community-based learning experiences, increasing students’ engagement. Located in the City of Hamilton, BCCL has rolling admissions for children ages 6 to 15 and invites prospective students to spend an Experience Week with its learning team to determine eligibility. Tuition bursaries are available for those who qualify. Recognised as a private school by the Ministry of Education, BCCL is the only school in Bermuda to exclusively enroll students who think and learn differently. All teachers are licensed by the Bermuda Educators Council. For more information about the BCCL learning approach, please visit www.bccl.bm or email info@bccl.bm.

Personalized Learning

New Resident 2024

SCHOOL REPORT

BHS: A School for Empowering Students

HS is an independent International Baccalaureate, A Level and Round Square school for students from the Early Years Programme to Y13. An all-girls school for ages 4-16, we welcome boys to our campus for the Senior Years Programme. At BHS, our students learn in spaces created specifically for them. They can explore, nurture and showcase their emerging intellect and talents. Research shows that students at all-girls schools have higher test scores, superior reading, advanced writing and science skills, more math and science university majors, doctorates, and graduates who pursue careers in math, science and technology. In the 2023/2024 school year, we watch and encourage our student body to use these foundations to empower themselves, both inside and outside of the classroom. In October, a team of Y12 students travelled to Canada, to compete in the International Independent Schools Public Speaking Competition, winning recognition as the ‘Top Overseas School’. Five students travelled to Namibia and Kenya, taking part in a Round Square conference and service project alongside 1,550 other students from around the world. Several students took to the stage in local theatre productions ‘Shrek The Musical’ and ‘Sarafina’. Our athletes have reached significant milestones, record-breaking feats, international representation, and inclusion in elite camps. We have seen this empowerment of self continue academically, with multiple students completing external courses, programmes, or placements that align with their interests. BHS students leave school with the tools and confidence they need to succeed personally and academically in university and beyond. Our graduates are recognised for their high level of achievement, with 10 Rhodes Scholars among our alumnae. We New Resident 2024

pride ourselves on developing an atmosphere where our students can thrive, master their interests and chart their paths. If you feel that your student would benefit from this environment, we encourage you to visit our campus. Contact our Director of Admissions and Inclusion at admissions@bhs.bm or 441.295.6153. www.bhs.bm.

ALL GIRLS EYP THROUGH Y11

CO-ED SYP

441.278.3047

THE FREEDOM TO DEFINE HER OWN PATH

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SCHOOL REPORT

The Somersfield Advantage Building Socially Conscious Independent Thinkers

stablished in 1991 under the guidance of the Montessori Trust, Somersfield Academy has undergone transformative growth, becoming a beacon of educational innovation and progressive thinking. The core philosophy at Somersfield goes beyond traditional academics, aiming to foster a generation of students who are not just welleducated but socially aware, compassionate, and independent in thought. Its commitment to providing a holistic education extends beyond the confines of conventional learning. With an inclusive approach, Somersfield caters to students aged 3 to 18, organised into Montessori, Primary, and Secondary divisions. The Montessori levels, designed New Resident 2024

for ages 3 to 9, boast an intimate 12:1 student-to-teacher ratio, fostering an environment conducive to personalised learning and independent thinking. Somersfield Academy is an internationally accredited school with 532 students and 74 staff. It is validated with the Canadian Accredited Independent Schools authority and the International Baccalaureate (IB) Organisation, with a strong association with the American Montessori Society. Its community of 38 nationalities emphasises its dedication to diversity, equity, and the cultivation of independent thought. Central to Somersfield Academy's mission is the development of socially conscious individuals. It embraces this responsibility by

instilling a global perspective in its students. The inclusion of the Middle Years Programme (MYP) within the IB framework exemplifies this commitment. The MYP serves as a bridge, emphasising interdisciplinary studies and critical thinking skills, preparing students not just academically but socially for the challenges of the future. Somersfield Academy's IB and Montessori complementary continuum is recognised in more than 200 countries, which positions it as a global hub for education, fostering independent thinkers who are not just aware of global issues but equipped to address them. Somersfield Academy employs a rolling admission policy, welcoming new students throughout the academic year. This approach ensures that families, both local and expatriate, can join a dynamic community committed to nurturing socially conscious individuals who think independently and contribute meaningfully to society. For more information, interested parties can contact admissions@somersfield.bm. 45

SCHOOL REPORT

A foundation of family and faith “I t just feels like family.” This is a common refrain among students, parents, and teachers at Mount Saint Agnes Academy (MSA). The coeducational Catholic school, which is centrally located in the City of Hamilton and welcomes students from its Early Learning Programme to Grade 12, prides itself on a tight-knit community and nurturing environment. MSA has developed significantly since its founding in 1890, but its dedication to the principles of Christian education remains steadfast. In addition to academic excellence, MSA champions faith and strong moral character. While MSA is open to students of all

faiths and denominations, it infuses Catholic values into daily school life. With small class sizes of no more than 20 students, every child receives individualised

attention. MSA employs highlyskilled teachers who work closely with students and their families to support their learning. Starting in the Early Learning Program, students are introduced to the Reggio Emilia approach. This play-based, child-centric method fits seamlessly into MSA’s ethos of educating the whole child. MSA incorporates Kagan Cooperative Learning structures at all grade levels to ensure each student is actively engaged in their learning. The students develop critical thinking, and communication skills that enhance their academic and social growth. As an Alberta accredited school, MSA follows the prestigious Alberta Curriculum. Students graduate from MSA with an Alberta High School Diploma, which allows them access to top-tier schools and opportunities around the world. No matter where life takes MSA graduates, they always have a place in the MSA family.

Faith-based learning. Research-based approach. From our Early Years Program to Grade 12, MSA respects and nurtures the whole child. Our multifaceted, collaborative approach to education is based on the way children learn. Learn more about our school community at msa.bm or call 292.4134 to schedule a tour.

Kagan Cooperative Learning | Reggio Emilia | Alberta Curriculum 46

New Resident 2024

SCHOOL REPORT

Molding Minds, Building Character

nurturing hub for education, a space for cultivating Christian values and a home where every student becomes part of our vibrant family — welcome to Bermuda Institute. Nestled on the eastern border of Southampton, Bermuda Institute stands as a beacon of holistic learning, dedicated to shaping young minds and building character within a nurturing Christian environment. Founded in 1943, Bermuda Institute is a Christian Pre K-12 college preparatory coeducational school. Our commitment reaches beyond academic excellence. Our mission is holistic. We are dedicated to molding minds, building character, and nurturing the whole child — spiritually, mentally, physically, socially, and academically. We strive to prepare individuals who are academically adept, spiritually grounded and socially, mentally and physically equipped to navigate life's challenges with resilience and grace.

Imagine stepping into classrooms where intimate class sizes foster a family-like atmosphere. Here, our devoted educators go beyond teaching. They form meaningful connections with each student, offering personalised attention and care. This individualised approach not only cultivates academic prowess but also builds confidence and a sense of belonging. Safety and happiness are paramount at Bermuda Institute. We take pride in providing a secure and joyous environment where every student feels at ease, fostering a love for learning that lasts a lifetime. At Bermuda Institute, music and art thrive, creating a vibrant cultural tapestry. We believe in experiential learning, and we provide ample opportunities for hands-on experiences that enrich our students' educational journey. Leadership and service are ingrained in our ethos. We emphasise the importance of giving

back to our community and our students actively engage in regular service projects. Our students are positioned to learn leadership and public speaking skills as early as Pre-K and continue through their entire academic journey. They become confident and compassionate servant leaders who make a positive impact on society. Our alumni network is a key strength, bearing evidence to the solid foundation and values instilled at Bermuda Institute. We are proud of their local and global impact and especially grateful to benefit from their commitment to give back to our school and provide opportunities for our students. Reach out to us at 441-2381566, info@bermudainstitute.bm, or visit www.bermudainstitute. bm to embark on a transformative educational experience. Come, witness firsthand the warmth and excellence that define Bermuda Institute — where education molds minds, builds character, nurtures futures, and embraces family.

Where education

molds minds, builds character, nurtures futures and

embraces

family

EXPERIENCE

BERMUDA

INSTITUTE

info@bermudainstitute.bm @bermuda_institute

234 Middle Road | Southampton SN04 | 441.238.1566

New Resident 2024

PEST CONTROL Eliminate Water Sources Fix any

Keep Pests Out Pro Tips from Bermuda Pest Control

Pest Control shares handy DIY tips to deter pests and keep them out of your home: Seal Cracks and Crevices Caulk and seal any possible pest entryways both inside and out, such as small holes, pipe gaps, and cracks in the foundation. Don't give them a way in.

Remove Clutter and Harborage Areas Get rid of stacks of materials in storage rooms, corners of the attic, garage areas where pests hide and breed undisturbed. If you spot any signs of pest damage like droppings or nesting materials, call Bermuda Pest Control right away at 232-7378 (PEST). Its tailor-made maintenance plans will help nip any infestations before they spiral out of control. Routine treatments will keep your home pest-free all year long.

E AG

M ENT SI N C

IV E PE S T M

inding a few stray ants in your kitchen or cockroaches hiding in the closet is every homeowner's nightmare. While a couple of bugs here and there don't necessarily mean you have an infestation, it does mean it's time to take pest prevention measures. Bermuda

leaks, allow ventilation in damp areas of your home, and use dehumidifiers to remove moisture sources that attract pests. Store Food Properly Keep human and pet food sealed tightly in pestproof containers and be diligent about regularly taking out the trash. Remove their food sources. Deep Clean Regularly Routinely disinfect countertops, sweep and mop floors, wipe down surfaces to get rid of crumbs and debris that pests love.

YRS EF

Paradise Found Now Keep Pests Out! We keep homes and businesses pest-free, year-round.

Our licensed technicians protect your property through tailor-made maintenance and elimination plans. Call us today to schedule your free inspection and quote now from our pest prevention team. Got pests? Don’t delay, call the pros at Bermuda Pest Control! Get in touch today!

info@pestcontrol.bm | (441) 232-7378

BERMUDA PEST CONTROL New Resident 2024

PETS

Bermuda’s newest ‘old’ animal care facility

ttrick Animal Hospital was founded in 1974 as a family run practice and has retained that family feeling despite continual updating of equipment and facility including a multimillion-dollar

renovation and addition project completed in 2021. The ‘new’ Ettrick is now a 7,000+ sq. ft. modern hospital and boarding facility designed with your pet in mind. The design and engineering incorporate

the latest recommendations for comfort, safety, health and efficiency. The animal centric design provides a less stressful environment for you and your pets. While it is fantastic to have a modern veterinary facility, it is the staff that make a hospital successful, and Ettrick has the most experienced team of vets and nurses on the Island, providing full service 24 hours a day. All Ettrick’s vets can deal with your routine and emergency needs. After hours, an on-call vet answers the phone so you have medical expertise available immediately to talk you through whatever your pet is experiencing and determine if you need to come in for an emergency visit, surgery or hospitalisation of your pet. Ettrick is experienced in the relocation of animals to and from the Island and routinely assist owners navigating through the paperwork and requirements needed to travel with animals. A warm welcome awaits at Ettrick.

Welcome to the Ettrick family!

'WE HAVE AN EXPERIENCED TEAM WITH ADDITIONAL QUALIFICATIONS IN SMALL ANIMAL MEDICINE & SURGERY, INCLUDING ORTHOPEDICS. OUR TEAM (WITH ITS 150 YRS OF COMBINED EXPERIENCE) INCLUDES LOCAL AND OVERSEAS VETS WITH A BROAD KNOWLEDGE BASE, INCLUDING PET TRAVEL REQUIREMENTS'.

The team at Ettrick Animal Hospital is here to provide your pet with excellent veterinary medical and surgical care, from wellness exams and vaccinations to advanced diagnostics and surgical procedures. Whether it be medically related, spiffy grooming for your pet, or simply a 'sleepover' in our boarding kennels, be assured that your animal will receive high quality care and genuine compassion at our facility.

A warm welcome awaits you here at Ettrick : ) 75 Middle Road, Warwick l t: 236-0007 l w: www.ettrick.bm l e: info@ettrick.bm New Resident 2024

PETS

Bringing your pet to Bermuda

ravelling to Bermuda with your canine or feline companion requires a bit of planning but is quite an easy process if you get started early enough. Bermuda currently enjoys status as a rabies free jurisdiction. As such, the import regulations for companion animals are set up to maintain this status, and obtaining an import permit from the Bermuda Government Department of Environment and Natural Resources is required. Firstly, your pet must be implanted with a microchip that can be read by any standard microchip reader. This is usually done at a very early age but can be done by your vet at any age. Your pet must have an ID chip for entry. If you are arriving directly from the United Kingdom, Australia, New Zealand or Jamaica, your pet is permitted to enter without having any rabies vaccinations. For those travelling from the US, Canada or other countries where rabies is

present, your pet must have been rabies vaccinated. To enter Bermuda, your pet has to have received two rabies vaccinations. There must be at least a six-month interval between the rabies vaccinations with the most recent one being given at least thirty days before arrival. This means that if your pet has never had a rabies vaccine, it will take a minimum of seven months prior to travel for them to qualify for entry. If your pet has already been receiving annual rabies vaccines, you must confirm with your vet that there has been no lapse in the coverage and they have received at least two rabies vaccinations. Once you have confirmed your pet meets the rabies requirements for entry, your home vet can fulfill the other requirements with one visit. You will need a veterinary health certificate issued within ten days of your arrival into Bermuda that states your pet is not infected with any communicable disease and is free from external

parasites. The certificate should confirm the name, date of birth, breed, description and microchip number of the pet, along with the owner’s name and address. Your vet must apply a tick preventative to your pet and state that they have done so, including naming the medication used, on the health certificate. Once you have your rabies vaccine proofs and health certificate, along with a completed application to import form (which you can download from the Bermuda Department of Environment website), you can email or fax them to the Department of Environment and Natural Resources and they will email or fax back an import permit. Response times are usualy very fast, within 24 to 48 hours. For more information and to obtain the forms required to import a pet, visit the Bermuda Government website for the Ministry of the Environment: www.gov.bm/onlineservices/import-dog-or-cat For local vet services and information, visit www.endsmeet.bm. Tel: 236-3292.

A healthy pet, is a happy pet! DAILY WALKS They live to love us. A daily walk keeps their heart and mind healthy.

A BALANCED DIET Our pets thrive with fresh water, protein, fats, carbohydrates, minerals and vitamins, ask us about Science Diet.

MEET KENNY! One of Dr. Jen’s four fur babies.

REGULAR CHECKUPS Early detection is key in treating many common illnesses while giving them the best chance at a long healthy and happy life.

Endsmeet Animal Hospital & At Home Services Reception 236-3292 | Emergency Pager 694-0703 68 Middle Road, Devonshire | Info@Endsmeet.bm | Endsmeet.bm 50

New Resident 2024

PETS

Help your dog keep its cool

ermuda’s summer weather can present challenges for dogs. As a dog owner, there are several factors to consider to ensure that your dog remains cool, comfortable, and healthy. Dogs can die of heatstroke in a very short time. Avoid walking your dog during the hottest hours of the day (10 am to 5pm). Brachiocephalics (pug-nosed dogs) should only be given short walks on summer days, regardless of the time of day. When walking, offer your dog short breaks with water and try to keep to shaded paths such as the Railway Trail, as opposed to tarmac and concrete paths. Never leave your dog alone in your car, even for just a few minutes. Dogs can die from heatstroke in a very short time. If your dog is overweight and not used to regular exercise, don’t start walking him or her during the heat in the summer. Start with short walks until the dog’s fitness level improves and he or she has dropped some weight. Long-haired dogs and thick-coated dogs are more sensitive to the heat. Keep your dog well-groomed with regular combing to remove mats and loose hair. Dogs with thin hair and light pigment/skin/fur are more prone to sunburn. Dogs should not be tied out unsupervised in the yard, as they run the risk of getting tangled, with no way of escaping the heat of the sun. If a dog must be tied out, he or she should be in an area that provides ample shade. As with humans, dogs require more drinking water in the summer. Clean, fresh water should be provided at all times in a shaded spot in a container that cannot be knocked over. The container should be checked frequently. Remember that, even if your dog has been swimming, he or she can still get overheated if running excessively or not being

🐾

New Resident 2024

able to get out of the sun. When boating with your dog, make sure you provide a cool shaded area on the boat, preferably with a breeze. If you suspect that your dog may have become overheated, wet him or her down with cool water as soon as possible and call your veterinarian. He or she can help assess whether the problem is resolvable at home or if the dog needs emergency treatment. Dogs suffering from heatstroke need emergency treatment as soon as possible to prevent complications than can be fatal. Advice from Dr. Andrew Madeiros, owner of Ettrick Animal Hospital in Warwick. His practice has been providing veterinary care for Bermuda’s pets for 50 years in a professional and friendly environment. The medical team has 140 combined years of experience,

and Dr. Madeiros continues to invest in his staff and in new technologies to ensure ongoing provision of excellent animal medical care.

PETS

Pets Beware Watch out for these critters and plants to keep your pet safe

e don’t have snakes or coyotes in Bermuda, but that doesn’t mean we don’t have critters that could harm your pet. You are allowed to walk your dog on a leash on public beaches in

the winter months; if you do, watch out for Portuguese Man-O-War, a jellyfish-like ocean creature that floats on the surface of the water and often washes ashore. The long tentacles pack a mighty sting and pose a serious threat to people

and pets. If stung, adults often have to make a hospital visit, and your pet may require immediate attention from a vet. Another small animal to look out for is the Bermuda toad. These can grow quite large and are toxic to dogs. Don’t let your dog pick up a toad with its mouth. Plus, certain toads also secrete a deadly toxin through their skin, so just licking or touching a toad could require emergency attention. Symptoms may include severe drooling, head shaking, pawing at the mouth or eyes, diarrhea, difficulty breathing, and, in severe cases, seizures and collapse. Not quite so dangerous, but still to be avoided, are lizards, tree frogs, and snails. Sometimes pets can get Liver Fluke from chasing or eating these small creatures. The severity of symptoms depends on the severity of infection. We have very few flying insects in Bermuda, but mosquitoes can be a problem in the summer months. If your dog is bitten, it may lead to heartworm. We suggest you consult with your veterinarian on the best mosquito repellents and heartworm treatments for your pet. Dogs are sometimes tempted to chew on or eat plants. Be especially vigilante that your pet doesn’t chew on Sago palms, which have toxic properties. Severe liver damage and death can occur. Also, you’ll see Oleander hedges along the roadside and in gardens throughout the island. They may look pretty, but Oleander is poisonous to many species, including cats and dogs. There have even been cases on the Island where cows have died from ingesting Oleander. Finally, our tropical, humid climate can cause ear infections in floppy-eared dogs and those with excessive hair growth in the ear. Get your groomer to trim hair in the outer-ear canal or ask your veterinarian for the proper technique to do this yourself. Also ask your vet for recommendations on keeping your dog’s ears dry and on how often you should clean them. New Resident 2024

INSIGHT

Fake expectations? Much of what you’ve heard about Bermuda, the bad as well as the too-good-to-be-true, is probably wrong. New Resident attempts to redress the balance Myth #1 BERMUDA’S A BAD MOVE FOR YOUR CAREER Incongruously, Hamilton (daytime population: 14,000 or so) ranks right up there with New York and London in the insurance industry and its other financial services sectors are gaining strength, too. There is hardly a global big name that doesn’t have a Bermudian presence in one form or another. In short, therefore, it is possible that the island could be a very positive step in your career. Myth #2 EVERYTHING IS GROSSLY EXPENSIVE HERE Because everything has to be flown in, you’ll find some items, such as groceries and fresh produce, more expensive than you’re used to. Other items, clothing and jewellery for example, are arguably less expensive. It can also be argued that your household budget will be very different compared with living elsewhere. For instance, you’ll probably spend far less on gas/ petrol and car insurance. And living in Bermuda means some of life’s richest pleasures will be literally on your doorstep and free of charge. Myth #3 IT’S SOLITARY CONFINEMENT FOR SINGLES If you are lonely in London or New Resident 2024

Toronto or wherever, yes, you will be miserable here too. However, if you are reasonably outgoing and tolerably pleasant, you’ll get on very well. There’s a lively social scene here if you look for it. We suggest you join a club or organisation — there’s everything from sports, to theatre and arts — where you’ll meet lots of like-minded people. Myth #4 IT’S A TAX HAVEN, ISN’T IT? Interesting one, this. Bermuda considers itself an “international business and financial centre” rather than a tax haven. Big foreign firms bring their money here for a variety of reasons, sometimes to do with our geographical location, sometimes to do with light regulation, sometimes to do with low taxation — as opposed to no taxation. If this pricks your conscience, don’t worry because you as an individual will be paying your fair share of taxes. Not a lot but enough to be noticed. Myth #5 TRANSPORT IS A NIGHTMARE HERE Yes, you will be allowed only one car per household, and a small car at that. But you will soon adapt to riding a scooter or motorbike when necessary. And our ferry is a wonderful way to commute to work. Myth #6 IT’S A CULTURAL DESERT Of course, on an island of only

65,000 souls you don’t expect to have ballet and opera and theatre going on all the time. But within its limitations, there is actually quite a lot happening in amateur drama and dance (often excellent), music of all kinds, painting and even poetry. And there are fine film, music, arts and even culinary festivals throughout the year. Myth #7 HURRICANE SEASON IS HELL No, it isn’t. For one thing, for centuries we have built our houses and offices as if they were under constant cannonball attack. For another, we aren’t prone to serious flooding. And we have a well-oiled plan to deal with such crises. Myth #8 BERMUDA IS TOO AMERICAN/ENGLISH Americans think it is either wonderfully or awfully English, the English believe it is far too affected by American ways. In fact, you will discover that the place is distinctively Bermudian, having purloined bits and pieces from diverse cultures. Myth #9 IT IS FAR TOO SMALL AND CLAUSTROPHOBIC Truth is, this small island feels far larger when you live here. We may not have forests or mountains, but we do have one of the largest playgrounds and open spaces in the world — it’s called the Atlantic Ocean. Anyway, if you do get ‘rock fever’, for a few hundred dollars you can fly to New York or Boston and be there in less than two hours. How great is that! Myth #10 IT’S POLITICALLY UNSTABLE, TOO You must be thinking about some other islands to our south? Bermuda has a long history and tradition of stable Government and seamless transitions between different administrations following elections. The most recent Parliamentary election of October 2020 being an example of the island’s mature and open democracy. 53

Outstanding Cancer Care in Bermuda Our radiation therapy alliance with Dana-Farber Brigham Cancer Center enables our patients to receive internationally-acclaimed radiation therapy treatment without leaving Bermuda. Access the same standard of care as you would in the top cancer centres worldwide. Stay with your family in your new island home throughout your treatment. Learn more about our radiation therapy unit at chc.bm

chc.bm info@chc.bm 441-236-1001 Bermuda Registered Charity #070

HEALTH CARE

Cancer Care in Bermuda

Early cancer detection leads to the best outcomes, even when you are a new resident. Here is what you need to know about cancer diagnostics and care in Bermuda.

ermuda’s cancer screening guidelines follow the recommendations of the American Cancer Society. Once you’ve secured a general physician, talk to your doctor about the following recommended prevention vaccines and screenings: • HPV vaccine: recommended for boys and girls between the ages of 9 and 12 • Cervical cancer screening: regular pap screening and annual pelvic exam recommended for women ages 25+ • Breast cancer screening: annual mammogram recommended for women ages 40+ • Prostate cancer screening: annual DREs and PSA (if indicated) recommended for men ages 50+ (40+ if Black or with family history) • Endometrial cancer: information about risks and symptoms provided to women at the time of menopause • Lung cancer screening: yearly screening with low-dose CT scan recommended for people between 50 and 80 years old who smoke or used to smoke AND have at least a 20 pack-year history of smoking. Bermuda Cancer and Health Centre is one of Bermuda’s oldest non-profit organisations and has been providing cancer care for decades. It was the first entity to offer mammograms in Bermuda and the mammography service is accredited by the Canadian Association of Radiologists. The Diagnostic imaging department also provides breast ultrasound services, ultrasound guided and stereotactic breast biopsies, as well as bone densitometry. The Centre opened the Island’s only radiation therapy unit in 2017, which became the first international ACR-accredited facility for radiation. Its radiation therapy alliance with New Resident 2024

Dana-Farber Brigham Cancer Center provides local access to internationally renowned medical professionals and a wealth of information about the latest cancer research and techniques. Patients access the same treatment systems, software, radiation therapy protocols and quality assurance programmes as one of the world’s best cancer centres while patients can remain on Island maintaining their routines and support systems during treatment. The Centre has an established breast cancer pathway, which provides a smooth transition from prevention education to screening to diagnosis and, if necessary, treatment options. Bermuda Cancer and Health Centre provides most of these services directly and works closely with patients’ general practitioners to identify and

communicate the steps along the pathway. When the Centre does not directly offer services, such as surgery, their cancer navigator works with specialists and patients to ensure appointments are as timely as possible. As a registered charity, Bermuda Cancer and Health Centre subsidises its services with donations from the community. Donations into the Equal Access Fund enable patients to receive screening and diagnostic services as well as radiation therapy without a co-pay, regardless of their insurance status. For more information about Bermuda’s cancer screening guidelines, cancer prevention programmes, available diagnostic imaging services, radiation therapy and referral requirements, please visit chc.bm. 55

HEALTH CARE

In Perfect Health New residents to Bermuda typically have two primary concerns: “What is the quality of health care on the island and what does it cost?”

he good news is that the standard of health care here is high. All doctors and dentists must become board certified before they can practice. We only have one hospital, the King Edward Memorial Hospital (KEMH). A new state-of-the art wing opened here in 2014 at a cost of $247 million. This wing has most of the features and services you would expect in a first-world hospital. You can sleep easily knowing that your medical needs can be very well taken care of on the island. Most medical conditions and emergencies are treated here, but patients requiring highly specialised treatment, such as heart surgery, are flown to top hospitals in the United States and Canada. Formal overseas partners include some of the very best hospitals in the United States such as Johns 56

Hopkins in Baltimore, and, in the Boston area, the Lahey Clinic, Massachusetts General Hospital, Dana Farber Institute, Brigham & Women’s Hospital, and the Spaulding Rehabilitation Hospital. In order to receive specialised treatment at any overseas hospital, a patient has to be referred by his or her doctor. Hopefully, you will never have to be flown overseas for treatment, but if you do, you will be in the care of some of the top medical practitioners in North America. What you will find, however, is that health care in Bermuda is one of the most expensive in the world. A Bermuda Health Council report shows that among OECD (Organisation for Economic Cooperation and Development) countries, only the United States has a higher cost per capita for health insurance than Bermuda.

Even though Bermuda is a British Overseas Dependent Territory, it has no equivalent to the United Kingdom’s National Health Service. Instead, every employee must have health insurance. Employers usually pay 50% of the employee’s health insurance, but some pay more as part of the benefits package. It would be difficult to put a cost on how much a single employee could expect to pay, as health insurance plans vary from company to company. But a new employee could expect the cost to be around $1,400 or more per month. However, as mentioned above, this is typically (but not always) shared 50/50 with your employer. If you have a spouse and/or children, they can be added to your health plan, for an additional payment. Health plans often include medical, dental, and optical. You are not free to shop around for your health insurance — you have to enroll with the plan offered by your company. But you are allowed to choose which general practitioner (GP) to see for your health concerns. The health insurance companies are a good resource in helping choose the right doctor for you. A doctor’s visit can run anywhere from $100 to $150, depending upon the physician. If your plan does not cover the total cost of a doctor’s visit, and you are being cost-conscious, the insurer can help you choose one with a lower cost. It is perfectly acceptable to “shop around” to find one that is affordable. New employees can ask their company’s human resource director what their policy does and does not cover or to contact your health insurer for that information. Prescriptions are another add-on cost. Many plans cover up to 80% of the expense for prescriptions, but you can expect to pay something when you see the pharmacist. Opticians and optometrists operate privately, and there are resident eye surgeons on the island. Dental care is of a high standard— from orthodontic treatment to routine maintenance and cleaning. New Resident 2024

BEAUTY

How to find your new hairstylist (when you’re REALLY fussy)

acking and unpacking or finding a new home may not be your main concern about moving to Bermuda. For many, it’s trying to find the best person to style your hair. Because it’s often the case that if you don’t feel good about your hair, you don’t feel good, period. Worry no more. The experts at Headway Salon and Day Spa will keep you looking good and feeling great. Friendly and inviting, Headway is right in the center of the city — just a few minutes walk from all of Hamilton’s major offices. Headway is for ladies, gentlemen and children.

New Resident 2024

Its stylists can ensure your existing style is maintained to perfection, or suggest something new for your island lifestyle. The day spa offers a world of relaxation, rejuvenation and beauty— facials, make-up brow tattooing, hair treatments, eyelash extensions, smoothing treatments and other expert services using clean/green product lines that are committed to helping the environment. A visit to Headway is the perfect way to feel good about your move to Bermuda. www.headway.bm

Air of Relaxation Your home is your sanctuary. The place where relaxation is the priority. It should be designed specifically for your comfort.

At AIRCARE, we offer a range of indoor air quality and climate control products and services that are tailored specifically for your comfort and aesthetic. Our systems deliver high-efficiency, whisper quiet operation, and exceptional quality you can trust. Additionally, our maintenance services have been proven to extend the life cycle of your equipment and reduce energy consumption. Keep the air in your home fresh, clean, controlled and tailored just for you. To learn more, visit aircare.bm

At AIRCARE, excellence is everyday.

aircare.bm | info@aircare.bm | 292.7342

YOUR HOME

Efficient Air Conditioning and Cooling Your Home Discover how smart choices in HVAC systems and mindful usage can slash electricity costs and reduce environmental impact while maintaining optimal indoor comfort.

our HVAC system is most likely your home’s largest consumer of energy, which increases costs and can impact the environment. However, with careful thought, planning and action, you can ensure your indoor air quality and climate control products are as energy efficient as possible. Some of the key factors to consider and address are:

Install Energy Efficient Systems Ensuring modern, energy efficient heating and cooling equipment is installed can reduce energy use by as much as 50% according to the US Department of Energy. New Resident 2024

Homeowners should look for energy efficiency ratings like the Seasonal Energy Efficiency Ratio (SEER2) to understand the level of efficiency prior to purchasing.

Setting Energy Efficient Temperatures Setting HVAC systems to an optimal, energy efficient temperature will ensure that your heating, and cooling systems are not wasting energy and money.

Regular Preventative Maintenance To ensure your HVAC system is running at optimal efficiency, a regularly scheduled maintenance

plan should be developed and executed. The plan will ensure your system’s longevity and efficiency along with ensuring your system is as friendly to the environment as possible. At AIRCARE, we specialise in the latest energy efficient systems from the world’s leading manufacturers such as Daikin and Midea, and preventative HVAC maintenance, both of which will result in the reduction of potential issues, emissions, operating costs, and unexpected emergencies. For more information on how to improve your HVAC efficiency, visit aircare.bm or call 441-292-7342. 59

DINING BERMUDA L E A D E RS

O F

I N N OVAT I O N

DINING

BLÛ BAR & GRILL

AURORA

LA TRATTORIA

441-232-2323 | www.blu.bm

441-232-8686 | www.aurora.bm

441-295-1877 | www.latrattoria.bm

FOURWAYS

HARBOURFRONT

LITTLE VENICE

441-236-6517 | www.fourways.bm

441-295-4207 | www.harbourfront.bm

441-295-3503 | www.littlevenice.bm

L’ORIENTAL

SUL VERDE

LIDO COMPLEX

441-296-4477 | www.loriental.bm

441-298-6983 | www.rosewoodhotels.com

441-236-9884 | www.lido.bm

WHY DINE ANYWHERE ELSE? 441-295-8279

W W W. D I N I N G B E R M U DA .C O M

DINING

Eating Out

rom English pub grub to French gourmet cuisine — and (almost) everything in between — you can eat very well in Bermuda. And drink well, too — the better restaurants all have truly outstanding wine cellars. As for local delicacies, you must try Bermuda lobster (available only in months in which there is an “R”), or at least our world famous fish chowder. $ $$ $$$ $$$$ $$$$$

less than $40 $40 to $50 $50 to $60 $60 to $80 $90 plus

IN HAMILTON Café 4. Windsor Place, 18 Queen Street, Hamilton. 295-8444. $. www.cafe4.bm. Stylish and sophisticated take out of organic, local, fresh dishes. Offers homemade bread, healthy soups, and a make-your-own pasta bar with New Resident 2024

Keto diet options. Best of Bermuda’s winner of Best Salad Bar. Enjoy the indoor/outdoor dining facility. Harbourfront. At the BUEI, 40 Crow Lane, Pembroke. 295-4207. $$$$. www.harbourfront.bm. Reservations recommended. Smart casual. Offers a varied menu featuring a selection of the freshest fish and seafood in addition to outstanding meats, fusion dishes created by management and award-winning sushi. Enjoy perfect harbour views and the newly renovated Coral Lounge. La Trattoria. 23 Washington Lane, Hamilton. 295-1877. $$. www.latrattoria.bm. One of Bermuda’s longest standing restaurants and a favourite of locals and visitors alike. Perfectly placed in the heart of Hamilton, makes it the ideal restaurant for a romantic dinner for two or a gathering with friends. This festive trattoria has the island’s only wood-burning pizza oven as a centerpiece and is recognized as best in Bermuda for their hearty Italian food, and warm, 61

DINING

kid-friendly environment, all at an extraordinary value. Little Venice. 32 Bermudiana Road, Hamilton. 295-3503. www.littlevenice. bm. $$$. Reservations recommended. Smart casual. Bermuda’s first and most famous Italian restaurant, celebrating over fifty years of fabulous service, fine food and meticulously prepared classic and contemporary regional Italian specialties. Enjoy fabulous wine and tasty bites with the in-crowd at the adjacent Wine Bar. L’Oriental. 32 Bermudiana Road, Hamilton (above Little Venice). 296-4477. www.loriental.bm. $$$. Reservations recommended. Smart casual. The only place to get the best Oriental Fusion cuisine, featuring a welcoming Sushi Bar and Bermuda’s only Teppanyaki table. Seating available inside under the exquisite Pagoda or outside under the stars. L’Oriental Express. We’ve got you covered! L’Oriental Express is in the heartbeat of the urban community, on the corner of Church Street and Par-La-Ville Road. 296-7475. $. Offering everything from soup and sushi, to wraps and sandwiches, to amazing salads and daily hot food specials. We have a pasta Bar plus specialty coffees, teas, and smoothies – the selection is unbeatable. 62

OUT OF TOWN Aurora. 27 Harbour Road, Paget (at Newstead hotel) T 441-2328686. www. aurora.bm $$$$ Voted ‘Best Seafood Restaurant in Bermuda’ 2 years in a row, Aurora’s seasonal menu features fresh local seafood and produce from Bermuda’s best fishermen and farmers. We are committed to sourcing sustainable ingredients from local suppliers, ocean to table. Bella Vista Bar & Grill. Port Royal Golf Course, Southampton, 232-0100. $$ Join us for lunch, dinner, and drinks and find out for yourself why Bella Vista Bar & Grill is the #1 ranked among all of Bermuda’s West End restaurants. Blû Bar & Grill. 25 Belmont Hills Drive, Warwick. 232-2323. www.blu.bm. $$$$. Reservations recommended. Smart casual. Bold American cuisine with generous Italian and Asian influences that will satisfy any palette. Overlooks picturesque Hamilton Harbour and the Great Sound. Café Lido. Elbow Beach Hotel, Paget. 236-9884. www.lido. bm. $$$$. The backdrop of the Atlantic Ocean and Bermuda's pink sand at Elbow Beach set the perfect tone for a light lunch or an evening out at this award-winning Italian restaurant.

Bone Fish Bar & Grill. 2 Dockyard Terrace, Dockyard. 234-5151. $$ Reasonable-priced menu filled with seafood, top-grade meat (the only smoker in the west end) homemade pastas, great wine list, draft beer, and desserts to die for. Open for lunch and dinner 7 days a week. 11:30am to 10:30pm. Café Amici. Clock Tower Mall, Dockyard, 234-5009, $$ Italian family-style restaurant in the heart of historic Dockyard offering a friendly, intimate atmosphere and simple, uncomplicated and affordable Italian cuisine. Open 7 days a week. Fourways Inn. 1 Middle Road, Paget. 236-6517. www.fourways.bm. $$$$. Reservations recommended. Smart. The Grande Dame of Bermuda’s restaurants, famous for its celebrity guest list, renowned menus, signature dishes and Bermuda’s most lavish Sunday brunch. Live piano music in the evenings and the most extensive wine cellar on the island. Mickey’s Beach Bistro. Elbow Beach Hotel, Paget. 236-9884. www. lido.bm. $$$.Re-opening Spring/ Summer 2024. The only true bistro on the island, right on the sand. Offering fun and eclectic menu, loved by visitors and locals. Sea Breeze Lounge. Elbow Beach Hotel, Paget. 236-9884. www. lido. bm. $$$. Delicious ocean views await you at this oceanfront terrace. Sea Breeze offers the perfect Bermuda experience to enjoy refreshing local and classic cocktails along with seasonal live entertainment. Sul Verde. Rosewood Bermuda, Hamilton Parish. 298-6983. www. rosewoodhotels.com. $$$. Reservations recommended. Sul Verde brings the spirit of Southern Italy to the fairways, celebrating the simple, authentic flavors of Campania in a convivial setting. Delectable cheeses, pasta, bread, and sausages are prepared in-house using the finest ingredients. Next door, the Bar at Sul Verde offers a selection of fine Italian wines, as well as refreshing classics from an Aperol spritz to the signature Negronina, a riff on the classic negroni. New Resident 2024