New Resident Guide 2021 (2)

New Resident 2021

LIVING AND WORKING IN BERMUDA

Maps | Housing | Healthcare Island Etiquette Cost of Living | Schools Pets | Getting around And much more Pass me on for a greener Bermuda

Love your life.

We do. That’s why we’re proud to help you protect what matters most. BF&M offers a comprehensive XZNYJ TK NSXZWFSHJ NS[JXYRJSY ‫ܪ‬SFSHNFQ UQFSSNSL health and wellness solutions. And we’re Bermuda’s TSQ^ NSXZWJW \NYM F \JGXNYJ UWT[NINSL VZTYJ FSI GZ^ capability and the option to pay in instalments online.

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Delivering the Highest Quality Medical Care Possible

Dr. Gerhard Boonstra

Dr. Basil Wilson

Dr. Carlton C. Jones

Dr. Roddy Moore

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Dr. Andrew West

Dr. Samantha Price

Dr. Diane Kooiman

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Dr. Margot K. Harvey

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WHAT WE OFFER: • Family Practice

• 24hr. Blood Pressure Monitoring

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• Se Habla Español, Afrikaans, Dutch

Paget Location

Hamilton Location

St. George’s Location

40 & 42 Point Finger Road, Paget DV 04

14 Dundonald Street, Hamilton HM 09

13 Water Street St. Georges, GE05

Monday - Friday 8am - 7pm Saturday 9am - 12noon

Monday - Thursday 8am-5pm Friday 9am - 4pm

Monday, Tuesday, Wednesday & Friday: 8:00am - 5:00pm Thursdays: 8:00AM - 1:00PM

Call 236-0084 for Appointments

Call: 296-9733 for Appointments Call: 296-9733 for Appointments

WWW.IHS.BM

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 GPIER IǽGMIRXP] VYR GSQTEVEXMZIP] crime free, and you are unlikely to encounter a better range of sporting and recreational activities in any other place on earth. In most respects, life in Bermuda has much in common with that of an EǾYIRX XS[R IPWI[LIVI FYX [MXL HMWXMRGX ERH ETTIEPMRK HMǺIVIRGIW 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 QSWX MQTSVXERX SǺWLSVI ǻRERGMEP centers. There is one major HMǺIVIRGI XLSYKL =SYƶPP LEZI SRI of the shortest and most beautiful commutes in the world.

While most of us here have to work hard, we also know how to IRNS] SYVWIPZIW =SY [MPP ǻRH XLEX 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 “expats” 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? =SYƶPP ǻRH QSWX MR XLI PSGEP 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.

Contents New Resident 2021

Island Facts ...........................................5 Island Essentials................................7 Investing ............................................... 11 Prices ......................................................15 Island Etiquette ...............................16 Banking .................................................17 Working to rule ...............................18 British Ties ......................................... 20 US Ties ..................................................21 Property ................................................22 Festive Hamilton ........................... 28 Business Map .................................. 30 Transportation ..................................32 Boating ..................................................34 School Report ..................................38 Pets ......................................................... 48 Healthcare ..........................................52 Shipping ...............................................56 Dining Guide .....................................57 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

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New Resident 2021

Life, by

.

dŚĞ ŐƌĞĂƚĞƐƚ ƌĞƚƵƌŶ ŝƐ ƟŵĞ ǁĞůů ƐƉĞŶƚ͘ WƌĞŵŝƵŵ ĂŶŬŝŶŐ ďLJ ƵƩĞƌĮĞůĚ ŵĞĂŶƐ ŚĂǀŝŶŐ ŝŶĚŝǀŝĚƵĂů ĂƩĞŶƟŽŶ͕ ƉƌŝŽƌŝƚLJ ĂĐĐĞƐƐ͕ ĂŶĚ Ă ƉĞƌƐŽŶĂů ďĂŶŬĞƌ ǁŚŽ ŝƐ ĨŽĐƵƐĞĚ ŽŶ LJŽƵƌ ĮŶĂŶĐŝĂů ŶĞĞĚƐ͘ ĞĐĂƵƐĞ ǁĞĂůƚŚ ŝƐŶ͛ƚ ǁŚĂƚ LJŽƵ ŵĂŬĞ͘ /ƚ͛Ɛ ǁŚĂƚ LJŽƵ ŵĂŬĞ ŽĨ ŝƚ͘ Speak to a Premium Banking ZĞůĂƟŽŶƐŚŝƉ DĂŶĂŐĞƌ ŽŶ ;ϰϰϭͿ Ϯϵϵ ϯϵϬϳ Žƌ ;ϰϰϭͿ Ϯϵϵ ϯϴϵϮ ƚŽ ůĞĂƌŶ ŵŽƌĞ͘

WƌĞŵŝƵŵ ĂŶŬŝŶŐ ĞŶĞĮƚƐ ĚĞĚŝĐĂƚĞĚ ZĞůĂƟŽŶƐŚŝƉ DĂŶĂŐĞƌ ǁŚŽ ǁŝůů ďĞ LJŽƵƌ ƐŝŶŐůĞ ƉŽŝŶƚ ŽĨ ĐŽŶƚĂĐƚ ĨŽƌ Ăůů ƵƩĞƌĮĞůĚ ƐĞƌǀŝĐĞƐ͘ WƌĞĨĞƌƌĞĚ ŝŶƚĞƌĞƐƚ ƌĂƚĞƐ ŽŶ ůŽĂŶƐ ĂŶĚ ŵŽƌƚŐĂŐĞƐ͘ zŽƵƌ ĐŚŽŝĐĞ ŽĨ ƚŚĞ ƵƩĞƌĮĞůĚ ͬ ĚǀĂŶƚĂŐĞ® WůĂƟŶƵŵ DĂƐƚĞƌĐĂƌĚ®

ƌĞĚŝƚ ĂƌĚ Žƌ ƚŚĞ ƌŝƟƐŚ ŝƌǁĂLJƐ sŝƐĂ® WůĂƟŶƵŵ ƌĞĚŝƚ ĂƌĚ ǁŝƚŚ Ă ĐƌĞĚŝƚ ůŝŵŝƚ ŽĨ ƵƉ ƚŽ ΨϮϬ͕ϬϬϬΎ͘

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ΎdĞƌŵƐ ĂŶĚ ĐŽŶĚŝƟŽŶƐ ĂƉƉůLJ͘ ^ĞĞ ǁĞďƐŝƚĞ ĨŽƌ ĚĞƚĂŝůƐ͘ dŚĞ ĂŶŬ ŽĨ E͘d͘ ƵƩĞƌĮĞůĚ Θ ^ŽŶ >ŝŵŝƚĞĚ ŝƐ ůŝĐĞŶƐĞĚ ƚŽ ĐŽŶĚƵĐƚ ďĂŶŬŝŶŐ ďƵƐŝŶĞƐƐ ďLJ ƚŚĞ ĞƌŵƵĚĂ DŽŶĞƚĂƌLJ ƵƚŚŽƌŝƚLJ͘ ĚĚƌĞƐƐ͗ ϲϱ &ƌŽŶƚ ^ƚƌĞĞƚ͕ ,ĂŵŝůƚŽŶ ,D ϭϮ͕ ĞƌŵƵĚĂ͘

ISLAND STATS

5. Argus Group Holdings Ltd.

FACTS AT A GLANCE

6. ONE Communications Ltd.

THE BASICS

7. Watlington Waterworks

Population .............................................63,921 Gender ratio ............................52% female Bermuda-born .........................................69% Land area .............................. 20.5 sq miles Length ................................................ 21 miles Greatest width ................................. 2 miles Highest point ...................................259 feet Islands in archipelago.......................... 138 Capital Hamilton, pop ..................... 1,100 Currency ................................................................. ........................Bermuda $, par with US $ Climate ........... sub-tropical, frost-free Farmland (total) ......................... 735 acres

LARGEST PUBLICLY TRADED COMPANIES 1. 'ERO SJ 38 'YXXIVǻIPH 2. BF&M Limited 3. Ascendant Group 4. Somers Limited

8. LOM Financial Ltd. 9. Bermuda Aviation Services Ltd 10. West Hamilton Holdings Ltd.

HATCHES, MATCHES AND DISPATCHES Births: ..............................................................530 Deaths: ........................................................... 532 Marriages: .................................................... 473 Divorces: ........................................................110

HEALTH & WELFARE SCHOOL REPORT Total school enrollment: ...............9,270 Government schools: ..................... 4,802 Private schools: ...................................3,229 Bermuda College: ............................. 1,239

GOVERNMENT REVENUE Payroll tax ...................................................43%

Infant mortality per 1,000 live births....................................................0 Life expectancy at birth female .......................................................85 male ............................................................79 Doctors per 10,000 people.................28 Nurses ................................................................79 Dentists ............................................................ 13

RACIAL RATIO Black ...............................................................59% White and other colours.................. 41%

MIDDLE-CLASS MAJORITY Economic position Bermuda vs United States Poor 19% 14% Near poor 11% 15% Middle 46% 50% Well-to-do 24% 21%

THE WORKPLACE Total workforce ..................................33,810 Proportion of jobs held by Bermudians.......................................70% Expatriates .........................................30% Trade union membership ............. 8,152 Avg employment income (est) ..................................................................... $93,713 Median household income (est) ..................................................................$103,657 Average hours worked per week ...36 Unemployment (estimated)..............7%

ON THE ROAD Private cars (maximum of one per household)....................................22,151 Motorcycles & mopeds ................17,438 Taxis................................................................... 557 Buses, trucks, others ........................4,108

Customs duty .......................................... 21% Land tax ..........................................................7% International Company tax ...............6% Other ...............................................................23%

TOURISM Total visitors .................................... 766,226 Air visitors ...........................................281,667 Cruise visitors ..................................484,339 Peak month July .................................(16%) 80% of visitors from USA New Resident 2021

YOUNG, GIFTED AND BERMUDIAN Percentage of 25 to 34-year-olds with a degree Bermuda ......................................................32% United States.............................................42%

ECONOMIC INDICATORS GDP (market prices) .......................$6.127 (YVVIRX MRǼEXMSR VEXI IWX ............. 0.8%

POLITICS 2020 general election turnout .... 60% Progressive Labour Party......30 seats One Bermuda Alliance............... 6 seats Next general election: before October 2027 From Bermuda Digest of Statistics 2019.

Facts and Figures 2018. Employment Brief August 2019. Consumer Price Index September 2019. Bermuda Tourism Authority. Census 2016. Bermuda Government Department of Statistics.

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Furnishing Bermuda’s homes for over 35 years 12 Harvey Road, Paget | Open Monday-Saturday 9am-5pm | call: 292-5209 | www.furniturewalk.com

E A S Y PA R K I N G • I N - H O U S E F I N A N C I N G • I N - S T O C K I T E M S • M AT T R E S S G A L L E R Y

ISLAND ESSENTIALS

Democracy, Bermuda-Style Bermuda remains a British colony but is self-governing in almost EPP WMKRMǻGERX VIWTIGXW [MXL E 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.

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New Resident 2021

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 SǺIV XLI VERKI SJ WIVZMGIW ]SY 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.

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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.

'YX -EQMPXSR MW JEV JVSQ XLI XS] XS[R XLEX MX WIIQW EX ǝVWX WMKLX 'ILMRH XLI 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 [EPOMRK HMWXERGI .XƜW WS IEW] XS KIX EVSYRH XLEX XLIVIƜW RS SXLIV SǽGI QSVI 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 =SY [SRĆśX ÇťRH XLI 'IVQYHMER NYWXMGI W]WXIQ QYGL HMÇşIVIRX 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 S[R YWI MW E WIVMSYW MQTVMWSREFPI SǺIRWI )VMRO HVMZMRK business TIREPXMIW EVI EPWS ZIV] ǝVQ 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 HMQIRWMSRW XLIVI EVI WXMPP WSQI WMKRMǝGERX WXVIXGLIW SJ STIR WTEGI LIVI 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.

4ÇşWLSVI SYV EFYRHERX VIIJW Bermuda is an ecological and wrecks make a paradise treasure island for divers.

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GETTING OFF THE ROCK Bermuda is a small place with limited diversions, which is why Bermudians are so well travelled. They’re always XEOMRK WLSVX XVMTW XS ƾKIX SǺ XLI 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. Our international airport was closed from mid-March 2020 until early July 2020 in order to restrict travellers with Covid-19 from entering the island, and airlines have been slow to reinstate their regularly WGLIHYPIH ǟMKLXW 'YX [IƜVI still being well served and during 2021, you can anticipate the resumption of regular QSWXP] HEMP] RSR WXST ǟMKLXW right up and down the East Coast, including Miami, Atlanta, Philadelphia, Washington, New Jersey, New York, Boston and Toronto. British Airways has a dedicated service between Bermuda and Gatwick (moving to Heathrow in March 2021). For an up to date PMWXMRK SJ EPP ǟMKLXW XS ERH from Bermuda visit [[[ FIVQYHEEMVTSVX GSQ ǟMKLXW

ENGLISH WITH A TWIST‌ Of course we do speak English, but with an EXXVEGXMZIP] HMÇşIVIRX EGGIRX that may be a little confusing EX ÇťVWX One particular feature is the transposing of the letters w and v – as in “Velcome to our islandâ€? and “gold is a waluable commodityâ€? – 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 2021

ISLAND ESSENTIALS Our weather is mostly marvelous

Over the Volcano 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.

Particularly Pleasant Weather Although it is close to the US northeast, Bermuda’s climate is semi-tropical, 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 FIKMR SǽGMEPP] MR 2E] Ƴ E TYFPMG holiday observed on the last +VMHE] SJ 2E] WMKRMǻIW XLI ǻVWX HE] SJ SGIER W[MQQMRK 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.

New Resident 2021

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BEAUTY

-S[ XS ǻRH ]SYV RI[ LEMVWX]PMWX

(when you’re REALLY fussy)

P

acking and unpacking or ǻRHMRK E RI[ LSQI QE] RSX be your main concern about moving to Bermuda. For many, it’s XV]MRK XS ǻRH XLI FIWX TIVWSR XS 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 JVSQ EPP SJ -EQMPXSRƶW QENSV SǽGIW Headway is for ladies, gentlemen and children. Its stylists can ensure your existing style is maintained to perfection, or suggest something new for your island lifestyle.

8LI HE] WTE SǺIVW E [SVPH SJ relaxation, rejuvenation and beauty — massage, facials, manicures and pedicures. As well as waxing, tinting, brow tattooing, spray tan

and other expert treatments.

A visit to Headway is the perfect way to feel good about your move to Bermuda. www.headway.bm

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New Resident 2021

FINANCE

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ou’ll be impressed by the ǝVWX GPEWW ǝRERGMEP WIVZMGIW which is why Bermuda attracts top investors. They come not only for the valued opportunities, but because of our pragmatic regulatory environment, sensibly overseen by the Bermuda Monetary Authority (BMA).

Bermuda is one of the top three reinsurance markets in the world, the others being London and New York. It is the world’s largest captive insurance centre, and a global leader for insurance-linked securities.

Which is another important reason why it has become the jurisdiction of choice for private and institutional investors.

INVESTMENT SERVICES 'IVQYHEĆśW XLVMZMRK ÇťRERGMEP WIVZMGIW sector is home to a wide variety of investment managers, from traditional “long-onlyâ€? fundamental research to technically driven

GSQTYXIV FEWIH ǝRERGMEP QSHIPW TRUSTS Bermuda has long been a leader in the business of setting up private trusts, which can be a valuable tax, asset protection and estateplanning tool. Bermuda’s trust laws are modelled after British trusts legislation.

BSX Established almost 50 years ago, the Bermuda Stock Exchange (BSX) is the world’s largest fully IPIGXVSRMG SǺWLSVI WIGYVMXMIW market. The BSX operates a market for international securities, issued either by Bermuda-incorporated exempted companies or nonBermudian issuers, as well as a domestic market for Bermuda’s local companies. For more information on the BSX contact Greg Wojciechowski, CE. Telephone: 2927212. Email: ceo@bsx.com

Licensed to conduct Investment Business by the Bermuda Monetary Authority

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New Resident 2021

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ISLAND ESSENTIALS

Super-speedy Internet

B

ermuda is one of the most wired countries in the world, so you can put aside any worries about staying in touch through Facebook, FaceTime, WhatsApp, Instagram, Skype or any of your other favourite apps.

-S[IZIV ]SY QE] ǻRH .RXIVRIX and cell/mobile rates higher than elsewhere, and the price of

smart phones higher than in North America and Europe. Also, the latest releases tend to reach us later than those larger markets. =SYƶPP ǻRH XLI TVMGI SJ E ZIV] FEWMG cell phone plan will cost you more than $100 per month. A basic cable TV package is $30 and if you’re looking for ‘the works’, including HBO, expect to pay close to $150 per month. Internet access is also from $100 per month upwards with the fastest speeds costing more than $200. A basic phone landline is around $30 a month.

4G LTE cellular service is available throughout the island. No decision has yet been made on the deployment of 5G technology on the island.

Dress Code

S

GVYǺ] RSX XS FI GSRJYWIH [MXL casual, just isn’t the done thing here.

2IR JSV XLI SǽGI ]SY GERƶX KS wrong with a blue blazer, white or blue cotton shirt and khakis.

They’ll do for everything from work to weddings. But if you prefer to conform with the locals, wear Bermuda shorts, paired with knee socks and loafers.

Women: err on the conservative and smart side until you get a feel for the prevailing attitude in your TEVXMGYPEV SǽGI 8SS QYGL GPIEZEKI or make-up just isn’t the done thing; neither are nose rings, tongue studs and other prominent body piercings.

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New Resident 2021

ISLAND ESSENTIALS 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.

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.

Our New

Airport W

hen you landed at L.F. Wade International Airport, ]SY [IVI SRI SJ XLI ǻVWX to experience 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.

Six passenger boarding bridges, or jetways, are one of the new features of the terminal. As with most major airports, these take departing passengers directly onboard the aircraft, and arriving passengers from the airplanes to the arrivals concourse. Important, considering Bermuda’s unpredictable weather, and where previously passengers had to walk across the airport apron and up (or down) a mobile stairway.

Another change is that passengers for the US and other international ǼMKLXW RS[ EPP HITEVX XLVSYKL XLI same security area. Previously, due XS HMǺIVMRK WIGYVMX] VIKYPEXMSRW 90 and Canada bound passengers TEWWIH XLVSYKL E HMǺIVIRX WIGYVMX] check than that of US bound passengers.

One thing that hasn’t changed MW XLI FIRIǻX 'IVQYHE VIWMHIRXW enjoy by having US Customs and Immigration pre-clearance. Only about a dozen locations around the world have this US pre-clearance programme, which enables you to ‘pre-clear’ here if you’re travelling New Resident 2021

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Money Matters

&ǺSVHMRK 8LI 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.

Welcome to Bermuda.

We’re here to help you get set up.

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14

L

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 $23,000 a year. Add another $2,000 to $4,000 for uniform, books, after-school care and other schoolrelated 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.

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 WLSGO EX ǻVWX II SYV WLSTTMRK PMWX 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 2021

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) ........................................................................$4.80 Mildew remover (32oz, Tilex) .. $8.35 Lavatory bowl cleaner (24oz, Pinesol) .................................... $4.55 Dishwashing liquid

MOPEDS & MOTORCYCLES The choice is between scooters, starting at 50ccs, and larger bikes, up to 150ccs. Prices start in the region of $2,750 on the road with insurance included.

(VEWL LIPQIX ............................$99–$180

(10oz, Dawn) .........................................$6.99 Laundry detergent

ELECTRONICS

(46oz, Tide liquid) ..........................$14.65

MacBook 12�...................................... $1,885 iPad Pro 12.9� .....................................$1,449 Lenovo Idea Pad 330......................$699 iPhone Xs .............................................$1,599

Lavatory paper (4 rolls) ............... $5.99 Tissues (Kleenex) ............................. $3.59 Paper towel (large single roll) . $3.49 Cat food (156g can, Friskies) ....$1.45 Dog food (625g can, Pedigree) $2.55

PHARMACY Toothbrush (Oral B) ........................$6.99 Toothpaste (Colgate, 4oz) .........$5.69 Soap (three-pack, Dial) ............... $3.29 Shampoo (Pantene, 12oz) .......... $9.29 Shaving foam (Gillette, 11oz) ...$5.09 7E^SVW ,MPPIXXI ÇťZI TEGO ......$16.45 Deodorant (Degree gel) ..............$7.49

CARS Sub-Compact .............................. $16,250 Family Estate ..................................$48,700 Electric ................... $20,000 to $59,600 Luxury .................................................$83,500 Depending on size of car third-party insurance starts from about $300 a year (with maximum transferable no-claims bonus) for a mature driver of a used car. A new car might be treble that or more.

Gasoline (litre) .....................................$2.08 Diesel (litre) ........................................... $1.86 New Resident 2021

APPLIANCES (TYPICAL PRICES) Washer/dryer (each) ...................... $995 Electric cooker ...............................$1,000 Gas cooker ...........................................$1395 Refrigerator....................................... $1,200 Dishwasher ........................................... $895 8IPIZMWMSR Ćš ÇźEX WGVIIR ..........$370

CLOTHING Bermuda shorts ..........................$60–98 Long socks ........................................$12.95 Blazer .........................................$250–$395 Shirt (men’s) ............................. $30–$125 Leather loafers (Sebago) ......$149.95 Tights (Hanes ultra sheer) ............... $8 Work dress ..............................$125–$275 Cocktail dress .......................$175–$350 Sweaters (cotton or wool) $50–$200

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

FOOD 2MPO KEPPSR ..............................$5.59 Bread (sliced wholewheat loaf) ................................................................... $6.85 Butter (1lb) ........................................ $8.99 Cheddar cheese (1lb) ..............$7.99 Brie (8oz) ........................................... $8.49 Parmigiano Regiano (per lb) ................................................................ $26.99 Bermuda eggs (1 doz, lge) .... $5.19 Tea bags (25 Twinings) .............. $4.15 Bacon (1lb, Oscar Meyer) .......$8.59 (SÇşII S^ KVSYRH Maxwell House) ........................... $8.99 )IGEÇşIMREXIH S^ MRWXERX $11.75 Orange juice (52oz, Tropicana premium) ............................................$6.95 Tenderloin steak (1lb) .............$24.99 Fish (1lb, salmon) ..............$18.99 Chicken (per lb) Thighs ..............................................$3.69 Breast, boneless, skinless $8.49 Hamburger meat (1lb, extra lean sirloin) ...................................................$4.49 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 .GI GVIEQ KEPPSR 8YVOI] -MPP ....................................................................$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

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, XEOIW JSYV SV ǻZI HE]W XS VIEGL ]SY 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 TSPMXMGMERƶW MRWMKRMǻGERX FPYRHIV is likely to get half an hour of animated banter, while the latest 16

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.

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 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

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 WSPMHMǻIH KVIEWI JVSQ WSQI PEXI late take-out. Bermudians generally eat around 7:30pm to 8:30pm and there’s precious few eating establishments open late.

New Resident 2021

BANKING

+YPP IVZMGI 'EROMRK MR 'IVQYHE

A

s one would expect of a PIEHMRK MRXIVREXMSREP ǻRERGMEP centre, Bermuda has a highly sophisticated and well-respected banking industry. That’s good news, because once you have relocated to Bermuda, you will need a local bank account to support any EHHMXMSREP ǻRERGMEP VIUYMVIQIRXW you may have.

Established more than 160 ]IEVW EKS EW XLI .WPERHƶW ǻVWX FERO 'YXXIVǻIPH MW 'IVQYHEƶW PEVKIWX MRHITIRHIRX ǻRERGMEP WIVZMGIW GSQTER] SǺIVMRK E JYPP VERKI SJ cash management, credit and wealth QEREKIQIRX WSPYXMSRW 'YXXIVǻIPH was recently named 2020 Bank of the Year by The Banker, earning this prestigious award for a seventh consecutive year. .X SǺIVW GLIUYMRK ERH WEZMRKW accounts in both Bermuda and US dollars, and makes it simple to set up your local banking services.

You can expedite the process before arriving on the Island by

New Resident 2021

ZMWMXMRK [[[ FYXXIVǻIPHKVSYT com, selecting “Bermuda” from the drop down menu on the right hand side of the page, and then clicking on the “Moving to Bermuda?” link on the Bermuda TEKI 8LIVI ]SY [MPP ǻRH ER application form that you can complete, scan and send in. When you arrive on the island, simply ZMWMX 'YXXIVǻIPHƶW 7IMH XVIIX Banking Centre in Hamilton to complete the application process.

Once you open an account, you EVI IPMKMFPI XS LEZI 'YXXIVǻIPHƶW Platinum Debit Card, from which you EYXSQEXMGEPP] VIGIMZI FIRIǻXW EX RS GSWX 'YXXIVǻIPH MW EPWS XLI I\GPYWMZI provider of credit cards featuring AAdvantage rewards and Avios that can be redeemed for bookings with American Airlines, British Airways, and their OneWorld partners.

If you require more involved service solutions for your banking RIIHW 'YXXIVǻIPH TVSZMHIW 5VIQMYQ Banking, a personalised banking

service for qualifying customers.

Premium Banking customers enjoy the services of a dedicated Relationship Manager who is their single point of contact for access to all products and services.

No matter where you work or choose to live in Bermuda, you’ll be close to your money, EW 'YXXIVǻIPH LEW &82W PSGEXIH across the Island, as well as three conveniently located Banking Centres. And if you are travelling to the US, Canada, the UK or Europe, 'YXXIVǻIPH QEOIW SFXEMRMRK GEWL for your trip extremely convenient with its multi-currency ATMs located in the US and International Departures lounges at the L.F. Wade International Airport.

'YXXIVǻIPH 4RPMRI XLI 'EROƶW .RXIVRIX FEROMRK WIVZMGI SǺIVW you secure, 24/7 access to your EGGSYRXW EW HSIW XLI 'YXXIVǻIPH Mobile Banking app. And if you opt for the ability to send wires, you can easily transfer funds to personal or family accounts back home.

If you need a loan for a car or a motorcycle to get around the island, furnishings for your new home, or perhaps a boat to make the most SJ ]SYV [IIOIRHW 'YXXIVǻIPH has you covered with a range of personalised lending solutions at very competitive rates.

'YXXIVǻIPHƶW ;IEPXL 2EREKIQIRX XIEQ EPWS SǺIVW E VERKI SJ investment services, including proprietary mutual funds as well as discretionary asset management, and self-directed online and traditional private client brokerage services. For wealth structuring and succession planning advice, you are invited to speak with XLI TVSJIWWMSREPW EX 'YXXIVǻIPH Trust who are experts at creating bespoke solutions to suit each client’s unique needs.

For more information about 'YXXIVǻIPH W TVSHYGXW ERH WIVZMGIW SV XS WTIEO [MXL E 'YXXIVǻIPH representative, please call (441) 295 1111.

17

IMMIGRATION

,IXXMRK XLI FEPERGI VMKLX Bermuda continues to maintain the delicate balance between encouraging new residents who can create new jobs and ensuring Bermudians have fair employment opportunities.

Bermuda Executive Services explains

W

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 XLIVI MW RS UYEPMǻIH 'IVQYHMER available to do your job. And you QYWX ǻPP SYX E RYQFIV SJ JSVQW ERH 18

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 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-, XLVII ERH ǻZI ]IEV [SVO TIVQMXW 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 TL]WMGMWX ǻRHMRK E NSF MR 'IVQYHE QE] FI QSVI HMǽGYPX SQIXMQIW 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.

New Resident 2021

IMMIGRATION 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 ÇťRERGMEPP] Anyone coming to Bermuda also needs to be aware that certain jobs are “closedâ€? or “restrictedâ€?. Closed categories, which include jobs like KIRIVEP PEFSYVIV SÇ˝GI VIGITXMSRMWX and taxi drivers, cannot be held by non-Bermudians unless they have a Bermudian spouse.

Some other jobs, where there is E PEGO SJ UYEPMÇťIH 'IVQYHMERW EVI 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 to stay in Bermuda. For example, a new business coming to Bermuda can get permission not to advertise XLI NSFW SJ YT XS WM\ WIRMSV WXEǺ 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 WLSYPH RSX FI ÇťPPMRK ER I\MWXMRK TSWMXMSR MR XLI 'IVQYHE SÇ˝GI 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 Makersâ€? legislation enables executives who are responsible for at least ten jobs held by Bermudians to be eligible for permanent residence. +SV GSQTERMIW MR XLI ÇťRERGMEP New Resident 2021

XIGLRSPSK] ǝRXIGL WTEGI RI[ companies can get automatic [SVO TIVQMXW JSV YT XS ǝZI RSR Bermudian employees provided they apply for them within WM\ QSRXLW SJ XLI ǝVWX TIVQMX being granted. There are similar processes for new companies that EVI RSX MR XLI ǝRXIGL WTEGI Since the change of Government in Bermuda in 2017, there have been some changes. There are additional rules around the use of SZIVWIEW IRXIVXEMRIVW JSV SRI SǺ events, and a report on immigration was submitted in November 2017 which attempts to lay out a path to citizenship. However, these proposals remain just that – proposals.

Similarly, a consultation was carried out over whether Bermuda should require non-Bermudians from non-English speaking countries in customer-facing VSPIW XS WLS[ XLI] EVI TVSǝGMIRX MR *RKPMWL .R EHHMXMSR TVSǝGMIRG] in English is required in some construction and industrial sectors, where miscommunication could be particularly dangerous. In addition, even where there is not a requirement in the Immigration VYPIW JSV *RKPMWL TVSǝGMIRG] professional registration bodies – for example for nurses – may require it.

To learn more about Immigration, contact the Department of Immigration at 295-5151 or contact Bermuda Executive Services at 296-5627, email info@bes.bm

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Fees: Three-month short-term work permit......................................................$672 One-year standard work permit..................................................... $966 Three-year standard work permit...................................................$3,612 Five-year standard work permit................................................. $6,200 One-year global work permit.................................................. $1,863 Three-year global work permit...................................................$4,515 Five-year global work permit...................................................$7,301 19

BERMUDA AND THE UK

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with Britain

Britain and Bermuda have extremely close ties – politically and economically. We asked former Governor John Rankin if there are any must-need knows for newcomers to the Island.

Question: Is there anything a newcomer [MPP ǻRH WYVTVMWMRK EFSYX Bermuda?

Answer: Some may expect Bermuda to be very British MR GYPXYVI SV IPWI XS ǻRH a predominantly North American or Caribbean MRǼYIRGI .R JEGX XLI] [MPP ǻRH ER MWPERH XLEX VIǼIGXW MRǼYIRGIW JVSQ IEGL SJ these areas and indeed JVSQ JEVXLIV EǻIPH *EGL component is familiar in some ways, but the end result is uniquely Bermudian.

Q: Is there anything a person should know in order to make XLEX MQTSVXERX ƸǻVWX impression” when meeting Bermudians? Is there a HMǺIVIRX ƸHVIWW GSHIƹ LIVI for example?

A: The most important thing is always to say, “Good Morning!”

20

Otherwise, the dress code is perhaps slightly more formal in Bermuda than in London. In quite a number of businesses in the UK, for example, men no longer wear ties. Here, together with jackets, they are seen more regularly. Everyone knows about Bermuda shorts, and visitors will see for themselves that they are a very smart form of dress.

Q: Is there any advice you would share with someone who is experienced in doing business in big cities and RS[ ǻRHW LMQ SV LIVWIPJ MR this small community?

A: Bermuda’s small size gives it a business advantage. Here you can meet key people quickly without the need for lengthy travel between appointments. Key things that businesses are

looking for include clear regulation, certainty, and security of contract and a reputable legal system in which to operate. They will ǻRH XLEX 'IVQYHE QIIXW the highest regulatory standards through the work of the Bermuda Monetary Authority (BMA) and that Bermuda’s courts and its legal profession are widely respected internationally. They [MPP EPWS ǻRH E [IEPXL of business expertise, including in the banking, ǻRERGMEP ERH MRWYVERGI sectors.

Q: Can you talk a little bit about the relationship between Bermuda and the United Kingdom from a cultural point of view as well as trade and politics?

A: The UK and Bermuda are linked not only by history and by the constitutional relationship

but also by close people to people links. So many Bermudians have family living in the UK, and UK universities remain the destination of choice for young Bermudians WIIOMRK E ǻVWX GPEWW education at “home student” rates. The Premier League football is followed throughout Bermuda, and Bermudian footballers who have excelled in the UK – Clyde Best, Shaun Goater, and currently Nahki Wells – are rightly GIPIFVEXIH ǻKYVIW Members of the Royal Family continue to visit Bermuda on a regular basis, including, in 2017, Her Royal Highness, The Princess Royal, and His Royal Highness The Earl of Wessex.

Each year Her Majesty The Queen is delighted to receive Easter Lilies from the people of Bermuda.

The links between the UK and Bermuda therefore remain strong across a wide variety of areas.

We are sure that British business visitors, like any other visitor, will always be made to feel welcome in Bermuda.

Q: Outside of business hours, what would you recommend a newcomer does to get to know and enjoy Bermuda?

A: In good weather a walk on the railway trail, a trip on the water, or an exploration of historic St. George’s or Dockyard. In bad weather, a visit to the National Gallery or Masterworks or the Bermuda Triangle exhibition at BUEI. But, most of all, take the opportunity to meet and talk with the always welcoming Bermudians.

New Resident 2021

BERMUDA AND THE US

8LI TIGMEP 7IPEXMSRWLMT T he US Consul General to Bermuda, Leandro (Lee) Rizzuto, is quick to point out that the shared history and links between the US and Bermuda go back more than 400 years, to the founding of the island in 1609, when it was managed by the Virginia (SQTER] JVSQ XLI 90ƶW ǼIHKPMRK North American colony. “Since that time, the tentacles have reached out further and grown deeper through business, tourism, education and many other aspects of our shared heritage”, he says.

“The role of the US Consulate here, and indeed one of the roles of all US Embassies and Consulates around the world, is to help develop business opportunities for US companies, making those connections, facilitating those relationships and developing those opportunities”.

Rizzuto explains that many of XLI MRWYVERGI ǻVQW XLEX QEOI YT one of Bermuda’s most important industries are US companies. “Right now, these companies are paying out billions of dollars in claims on the global pandemic, in addition to the normal risks they insure. So MX W MQTSVXERX XLEX XLI MRXIKVMX] ERH the regulatory structure that exists here in Bermuda is acknowledged and protected, and we assist with that as best we can. We play a role in participating in some of the meetings and exchanging dialogue with members of the industry. We also facilitate wherever we can on other important matters, such as global taxation, one of the most talked about international business XSTMGW SJ XSHE] ERH XLI IǺIGX MX would have on Bermuda and those companies”.

Rizzuto believes that the ‘window of opportunity’ is only open for a limited period of time and when the window closes the opportunity eventually goes away, so it’s important to act quicky and decisively. As an example he credits 'IVQYHE [MXL LEZMRK IǺIGXMZI New Resident 2021

1II 7M^^YXS

policies to control the outbreak of Covid-19, and says this has created a number of opportunities. “While the whole world is challenged with the pandemic you can do business here relatively normally.

The Bermuda Government established a one-year work permit programme to attract remote workers, which I think is fantastic, but the opportunity goes far beyond that and it should be viewed in a much broader perspective. I highly encourage companies and individuals from around the world to consider Bermuda where they might never have thought of it prior.

This is a place where they can come ERH JYRGXMSR ZIV] IǽGMIRXP] ERH IǺIGXMZIP]ƹ Mr. Rizzuto is leading by example and grasping opportunities where the US Consulate can have a direct MRǼYIRGI Ƹ4RP] EFSYX E HS^IR locations around the world have the US Immigration and Customs pre-clearance programme that we IRNS] MR 'IVQYHE .X W E JERXEWXMG programme and enables travelers going back to the US to ‘pre-clear’ here commercially, so wherever they land in US, onward travel is

seamless. At the moment, the same programme is not available for private jets, or what is known as general aviation. So we’re beginning XS I\TPSVI [MXL HMǺIVIRX EKIRGMIW involved, how we can extend the programme, meeting all the security and other requirements, so that we GER EPWS KIX TVMZEXI ǼMKLXW TVI cleared. Currently in Bermuda there are around 150 general aviation ǼMKLXW E QSRXL VIXYVRMRK XS XLI 9 We believe that if we can extend the pre-clearance programme, those numbers could double or triple. And these are the perfect travelers for Bermuda because generally they are business people coming here for board or other types of meetings.

They’re spending a lot of money LIVI ERH XLI] VI MRZIWXMRK LIVI WS MX W E Ƶ[MR [MRƶ JSV IZIV]FSH]ƹ Regarding advice for newcomers to the island, Rizzuto says “certainly the nuances of the culture need to be understood and recognised — that point goes without saying.

When you go to another country, VIQIQFIV ]SY VI MR XLEX GSYRXV] ERH understand and respect the virtues of that society and community”.

Since arriving on the island, Mr. Rizutto has launched into a church visiting project — his goal is to visit every church and house of worship on the island. He refers to the MWPERH W QER] GLYVGLIW EW E XVYI KIQ SJ 'IVQYHE 8LI -SYWIW SJ ;SVWLMT in Bermuda are ‘true gems’, and encompass almost all denominations and have a rich history of the country” he says.

“Many are several hundred years old, such as St. Peters in St. George’s, which is celebrating its XL ]IEV &W SJ XLI [VMXMRK SJ this article, the Consul General has visited 77 houses of worship.

In his leisure time, he has taken up cycling around the island. “It’s good for both for your health and TIVWSREP IRNS]QIRX .X W EPWS E KVIEX way to see the country and immerse yourself in the island”.

21

PROPERTY

Living Accommodations Island Style Coldwell Banker Bermuda Realty shares key information you need to know when looking at housing options.

I

f you are new to the island or thinking about moving to Bermuda, it is well worth doing your homework and understanding the idiosyncrasies of our Island home.

Bermuda does not have a MLS (Multiple Listing Service), but real estate brokers openly share property information with each other and a single agent can show you anything that is advertised; regardless of the company name appearing in an advertisement or online.

If you are ‘shopping online’ we recommend you take a look at www.coldwellbankerbermuda. com and other individual company websites; although a word of caution that some real estate sites may not be updated regularly.

There is also a consolidated site at www.propertyskipper.com which SǺIVW PSGEP VIEP IWXEXI GSQTERMIW E chance to upload their information and make the search process much easier for potential tenants (and buyers).

RENTING When looking for your new home, the obvious place to start is with a price in mind.

22

8LIVI MW E [MHI ZEVMIX] SJ HMǺIVIRX types of properties on the rental market on the island and your personal priorities may dictate your price point.

• Average rental prices are • 1 bedroom $2,200 (not in city) • 1 bedroom city living $3,100 • 2 bedroom $3,500 • 3 bedroom $5,000 • Properties typically at either ends of the island (St. George or Somerset) are less expensive.

• Most leases in Bermuda run for a minimum of one year and maximum of three years.

• Landlords are typically responsible for the exterior upkeep, tenants for the interior.

Rentals usually include major appliances and the tenant is responsible for freshly painting the interior walls and ceilings just prior to the end of the lease.

• You will be expected to pay the ǻVWX QSRXLƶW VIRX WIGYVMX] HITSWMX of one month’s rent unless under rent control, and ½ the stamp duty. Stamp duty is 1% of the aggregate total plus $25.

• Real estate agent commission is typically paid by the landlord, so you can get valuable advice without a price tag.

• The roof of your new home is also a catchment for water.

Every property has a large underground water tank, but if you run out, you’ll be responsible for purchasing more.

• Only one car per household is permitted with property assessment number. There is no limit on the number of motorbikes allowed.

• A work permit is required before a lease may be signed.

CITY LIVING RENTALS Living in the City of Hamilton is all about convenience — it’s easy to walk to work, shops and restaurants, and typically units are furnished.

Demand is high and rents tend to be more expensive than outside the city. There are three ‘high-rises’ in the city: Atlantis, SIX Dundonald and TEN Dundonald. City living units YWYEPP] HS RSX SǺIV GEV TEVOMRK but often there is onsite motorbike parking. Many city units do not permit pets.

APARTMENT RENTALS A very common form of rental in Bermuda are apartments located adjacent to the landlord’s home or other units on the property. These YRMXW SǺIV GSWX IǺIGXMZI STXMSRW with a variety of amenities, but does mean you are living in close proximity to the property owner or other families. This can be useful

New Resident 2021

PROPERTY

when you are new to the Island as Bermudian hospitality will often prevail and tenants and others living on the same property often become friends.

CONDO RENTALS There is a wide range of condominiums throughout the Island from one bedroom to four bedrooms. Most units are YRJYVRMWLIH EPXLSYKL ]SY QE] ǻRH exceptions. If you have children or pets, check the policy of the landlord or condominium owners’ association; some complexes are more family friendly than others.

thus are also the most expensive. =SY [MPP ǻRH EPP WM^IW JVSQ SRI bedroom cottages to spectacular estates. Rental prices vary widely on all these types of homes, but generally, the closer to Hamilton, the higher the rent. Tenants may be responsible for certain maintenance costs such as pool cleaning.

PURCHASING PROPERTY Purchasing real estate in Bermuda can be costly, but people often HIZIPST ER EǽRMX] JSV SYV PMXXPI TMIGI of paradise. The range of inventory available is broad, including condominiums starting as low as $495,000 up to multi-million dollar estates. Bermuda Government has regulated the number of properties that can be sold to non-Bermudians and buyers pay a licensing fee equal to 6% of the purchase price of a condominium and 8% for a house plus the standard stamp duties and closing cost. Currently, nonBermudians working in Bermuda via a work permit are not permitted to purchase condos, except in a few tourism developments.

If you are interested in renting in Bermuda, please contact Adam Birch: abirch@brcl.bm or Kenneth Richardson: krichardson@brcl.bm.

If you wish to pursue property ownership in Bermuda as an overseas buyer, contact Coldwell Banker Bermuda Realty at 441 2921793 or mail@brcl.bm.

COTTAGE AND PRIVATE HOME RENTALS Stand-alone cottages are often the most sought-after property type and

BEAUTIFUL HOMES FOR RENT New Resident 2021

We are Bermuda’s Largest Real Estate Company. As such we are uniquely qualified to help you find the perfect rental home for you and your family.

COLDWELLBANKERBERMUDA.COM VISIT OUR WEBSITE FOR AVAILABLITY OF HOMES, OR CALL US ON: 441-292-1793

23

PROPERTY

=SYV 5MIGI 4J 8LI 7SGO

H

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

Looking to rent or purchase property?

Looking to lease or sell your property?

Call today!

Cecilia (Cesa) Edwards - Broker Antwan Edwards - Owner Cesa Edwards - Broker Antwan Edwards - Owner

Bermuda Longtail Real Estate Ltd SALES & RENTALS Office: (441) 232-2769 Email: cesa@bermudalongtail.com www.bermudalongtailrealestate.com

24

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 XLIVI MW E SRI SǺ ,SZIVRQIRX JII JSV 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 QEVOIX 8LIWI ǻKYVIW EVI PMOIP] XS rise in the near future, so now is the time to buy.

If a year-round home is more than ]SY RIIH XLIVI EVI WIZIVEP ǻVWX GPEWW 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 2021

WORKING REMOTELY

7IQSXI ;SVO +VSQ 'IVQYHE As the COVID-19 pandemic continues to impact the way you work and enjoy life on a day-to-day basis, especially if you live in a densely populated town or city, consider improving your quality of PMJI ERH ZMI[ F] ETTP]MRK JSV E ;SVO +VSQ 'IVQYHE (IVXMǻGEXI Who is Eligible?

8LI GIVXMǻGEXI MW HIWMKRIH 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 [MXL E PIKMXMQEXI ǻVQ SV ]SYV S[R 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 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. ;EMX RS QSVI XLER ǻZI FYWMRIWW days for an answer. Once issued, the GIVXMǻGEXI MW ZEPMH JSV SRI ]IEV ERH if you don’t want to leave, you can renew it.

What is the COVID-19 Risk in Bermuda?

At the time of writing, Bermuda MW GPEWWMǻIH EW ƸZIV] PS[ VMWOƹ JSV COVID-19 by the United States Centres for Disease Control and Prevention (CDC), and has implemented a COVID-19 testing regime considered among the most stringent in the world. You can therefore enjoy many activities not necessarily possible elsewhere, however there are certain restrictions and rules in place designed to New Resident 2021

dependent family members cannot seek paid work, but they are allowed to volunteer their time to support the MWPERHƶW QER] RSX JSV TVSǻX SVKERMWEtions 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 EVI SǺIVMRK PSRK WXE] MRGIRXMZIW .J you want your own home for a year, contact any one of Bermuda’s real estate agents and they will help you ǻRH [LEXIZIV ]SY RIIH

prevent the spread of the virus and keep all island residents safe.

As of December 2020, you must have a pre-departure COVID-19 test before leaving for Bermuda, and then a further test on arrival followed by tests on days four, eight and 14 after your arrival.

Residents and visitors must practice physical distancing and mask-wearing in all public areas where there is close contact with others, and gatherings of more than 75 people are forbidden without receiving permission from the Ministry of National Security.

Restaurants, bars, hotels, schools, SǽGIW WLSTW KSPJ GSYVWIW XIRRMW clubs, water sports centres and other attractions are all open, as are the island’s beautiful beaches and parks.

For up to date information visit www.gov.bm.

Bring the whole family Bermuda’s climate and COVID-19 status 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

4ǽGI TEGI If you don’t want to work from your Bermuda home or just miss the GEQEVEHIVMI SJ FIMRK MR ER SǽGI there are a number of serviced ERH ǼI\MFPI SǽGI WTEGI STXMSRW available in Bermuda such as Suite Solutions, Connectech, Nineteen and The Waterfront Properties.

Getting Around If you hold a Work From Bermuda GIVXMǻGEXI ]SY EVI E VIWMHIRX RSX E 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 *ZIR XLSYKL XLI GIVXMǻGEXI 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.

25

WORK FROM BERMUDA

)MKMXEP 3SQEHW Jeremy Deacon talks to two businesspeople about XLIMV I\TIVMIRGI SJ XLI ;SVO JVSQ 'IVQYHE (IVXMǻGEXI programme BETTER FOR BUSINESS As a frequent business visitor to Bermuda, Ashley M. Hunter would think to herself, ‘Ok, it’s a cute place to come and visit, but why in the world would I want to live on this island?’

Well, as a so-called ‘digital nomad’ who successfully applied for a Work JVSQ 'IVQYHE (IVXMǻGEXI 2W =SYRK is now not only here for a year, she is planning to incorporate her successful insurance company on the Island and is looking to apply for a work permit.

An accomplished concert violinist, Ms. Hunter is the Managing Director of HM Risk Group, an international insurance, reinsurance ERH VMWO QEREKIQIRX ǻVQ ERH TVMSV XS JSYRHMRK XLI ǻVQ WLI worked in claims and underwriting management positions for various companies. Ƹ'IMRK MR 'IVQYHE LEWR X EǺIGXIH my work. I did the majority of my business in Europe anyway and quite honestly, it makes my FYWMRIWW QYGL QSVI TVSǻXEFPI being here. I was in Austin, Texas, which is not considered a global insurance hub.

She was in the US when a friend sent her a link to a webinar about XLI ;SVO JVSQ 'IVQYHE (IVXMǻGEXI which allows people who can WYWXEMR XLIQWIPZIW ǻRERGMEPP] XS escape Covid-19 by living and working on the Island for a year.

“They made a compelling GEWI 8LI] VI PMOI ƵGSQI LIVI HS FYWMRIWW LIVIƶ . XLSYKLX .

PP ETTP] FYX . HSR X XLMRO .

PP KIX MX FIGEYWI .

S[R Q] FYWMRIWW .

Q WYVI RSXLMRK will come of this. Then three days later I was approved, and I thought, SOE] [IPP . KYIWW .

PP KS XS 'IVQYHE and check it out. Ƹ&RH XLIR . KIX LIVI ERH MX W WS easy, the process was way too 26

easy, and it was uncomplicated, it was almost like it was meant to be.

Getting a bank account took three days. My ultimate goal is to get a work permit and to hire local talent, FIGEYWI XLIVI W E XSR SJ PSGEP XEPIRX here.”

Ms. Hunter praised the help she received from the Bermuda Business Development Agency (BDA) and said she was in the process of setting up a foreign entity of her company in Bermuda.

“They set me up with the solicitor and the process is super straightforward and easy. *ZIV]SRI W NYWX WYTIV LIPTJYP ƹ Ms. Hunter has found an Airbnb apartment near Hamilton to rent, has passed her driving test and is now getting used to driving on the left-hand side of the road.

She acknowledges that the costs in Bermuda are higher, but Ms. Hunter says that is balanced by the fact that it is easier to get

the investment to start a business in Bermuda. People are much QSVI GSRǻHIRX EFSYX MRZIWXMRK MR something where the business is sitting in Bermuda, she said.

Although Barbados and The (E]QER .WPERHW EVI SǺIVMRK WMQMPEV schemes, Bermuda was the best ǻX JSV 2W -YRXIV Ƹ.R 'EVFEHSW XLIVI W RS GSQQIVGI SXLIV XLER tourism, which would not help QI EX EPP ERH (E]QER W VIEPP] E GETXMZI GSQQYRMX] . HSR X HS E PSX SJ GETXMZI [SVO WS XLEX HMHR X QEOI much sense to me either. This is the best place for my business to grow.

“Bermuda is easy to get to from New York, and when British Airways QSZIW MXW 'IVQYHE ǼMKLX JVSQ Gatwick to Heathrow early in 2021, things will be easier from London as [IPP 2] LYWFERH W [IHMWL WS [I spend a lot of time in Sweden.”

She and her husband are adapting JVSQ [SVOMRK JVSQ ER SǽGI XS working from home and Ms. Hunter WXMGOW XS E QEMRP] RMRI XS ǻZI VSYXMRI “Maybe a little bit longer, earlier. But I can do everything.

“There are drawbacks, such as the costs in Bermuda, but one of the best things about Bermuda are the people. The local culture here is just so warm. It just reminds you of being EX ]SYV KVERHTE W LSYWI ƹ

New Resident 2021

WORK FROM BERMUDA

A SAFE HABOUR +SV 8SQ 4 LEYKLRIWW] 'IVQYHE was very much a safe harbour – a place to come to during the Covid-19 pandemic and a jurisdiction he was already very familiar with.

When he found himself stuck in Canada and facing the prospect of having to pay Canadian taxes, he jumped at the chance of working in Bermuda for a year through the ;SVO JVSQ 'IVQYHE (IVXMǻGEXI XLI so-called ‘digital nomad’ scheme. Ƹ.

ZI EGXYEPP] FIIR E HMKMXEP RSQEH since 2002. I live in Panama, but I run investment funds in the British Virgin Islands and in Bermuda.

So, I actually carry on my work from Panama where I have my residency, but my businesses are in these other jurisdictions,” said Mr. 4 LEYKLRIWW] [LS MW 5VIWMHIRX EX 4 LEYKLRIWW] *HYGEXMSR Foundation Ltd. “To make a long story short, when Covid-19 hit, our daughter was schooling in Canada. My wife and I had gone to visit her and got caught there when Panama shut its airport down in middle of March.

“We were in Canada for almost New Resident 2021

nine months and there was a GSRGIVR FIGEYWI .

Q E RSR VIWMHIRX Canadian, that there would be some potential tax implication. The Canadian government said it was not a problem as long as Panama remained closed. Unfortunately, what happened is that Panama decided to open before we as a family felt it was safe to return and carry on a normal life.

“So, the decision to come here really was a known quantity for me.

I understood what the business environment was, and I had some contacts here. It is basically a safe harbour, from a health standpoint, where I could carry on my digital nomad business while I waited for my own country to potentially become safe enough to return.”

2V 4 LEYKLRIWW] ǻVWX GEQI XS Bermuda in 1986 when he worked for a Canadian organisation that had a subsidiary operation on the Island. He married his wife, Susan, in Bermuda in 1997.

“I have continued to pursue connections here and know what the business environment is, and the business opportunities are. I

acquired some investment funds that are resident here in Bermuda and use the legal, business and accounting communities.”

About the Work from Bermuda (IVXMǻGEXI LI WEMH Ƹ. WE[ WSQIXLMRK that was reported through one of the business journals and I reached out to the Bermuda Business Development Agency and asked, ƵEVI ]SY KY]W KSMRK XS HS XLMW$ƶ 8LEX W how I made the contact. And they responded quickly and were very interested and wanted to pursue the potential opportunity.

Through his contacts with +EMVQSRX 2V 4 LEYKLRIWW] learned of a long-term residency programme at the Hamilton Princess and has decided to base himself at the hotel.

“As a package the hotel’s programme allows you to transition into Bermuda comfortably and not have to worry about things like having to shop for groceries. It allows you to softly blend in and then ultimately look for something maybe more permanent or more long-term.

In terms of drawbacks of working in Bermuda, he cites the cost of groceries but adds that people have to realise that Bermuda is a premium destination, and it is priced accordingly. “So, this is not for people who are looking for what I would call the quasi-retirement year, [LIVI XLI] VI KSMRK XS WEZI QSRI] This is an experience.” &RH FIRIǻXW$ Ƹ. PMOI XLEX XLIVI W no winter. I just found out that I can qualify as a resident now for a golf membership at any of the golf GSYVWIW ERH .

Q E KSPJIV S XLEX W E big, big plus for me.

He also pointed to the business expertise that exists in Bermuda saying: “Some of it is local expertise, some of it is imported expertise. The EYHMXSV KVSYT XLEX .

Q HIEPMRK [MXL are individuals from all around the world so there is a multi-cultural feel.

“Bermuda has an international environment where people YRHIVWXERH XLI MWWYIW ]SY VI dealing with, whether its VIKYPEXSV] MWWYIW ǻRERGMEP MWWYIW or management issues.”

27

FESTIVE CITY

-ETTIRMRK -EQMPXSR Although one of the world’s smallest capital cities, Hamilton must rank among the most enjoyable

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entrally located with a QEKRMÇťGIRX REXYVEP LEVFSYV Hamilton has been in existence since the 18th century.

However, it wasn’t until 1815 that it became the governmental as well as the business capital of the Island.

Hamilton takes up fewer than 200 EGVIW Ć´ EFSYX XLI WM^I SJ E ÇťIPH MR Texas or a small farm in Europe. It is scrupulously clean and, thanks to its string of fragrant pocket parks, unusually green and leafy.

By the standards of business cities worldwide, it is idyllic.

It is surely no exaggeration that any service you might need is less than 10 minutes’ walk from anywhere else.

The Hamilton Corporation, under the leadership of an elected Mayor, VYRW XLI GMX] [MXL UYMIX IǽGMIRG] The Corporation is responsible for the streets, the docks, sewerage, garbage, parking, open spaces and more, including many exciting events throughout the year.

Here are just a few of the highlights. For full details visit: www.cityofhamilton.bm

Bermuda’s colourful Gombey troupes can be seen throughout the year, and they come out in force for their traditional Boxing Day performances.

Our ten special days Bermudians love a holiday — and who doesn’t. Here are details of all ten that you will celebrate with us. ,44) +7.)&= April 2, 2021 An important day in the Christian calendar. In Bermuda this is also E HE] JSV OMXI ǟ]MRK ERH IEXMRK GSHǝWL GEOIW ERH LSX GVSWW buns. '*729)& )&= May 28, 2021 8LI SǽGMEP WXEVX SJ XLI Bermudian summer. There is also a half-marathon running VEGI ǝXXIH HMRKL] VEGMRK ERH E carnival–like parade through the streets of Hamilton.

28

3&8.43&1 -*74* )&= June 21, 2021 Celebrating local heroes and heroines.

(95 2&8(- /YP] ERH 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.

1&'497 )&= ITXIQFIV There’s a morning march from Union Square in Hamilton. After speeches by union and political representatives, there is musical entertainment and refreshments.

7*2*2'7&3(* )&= 3SZIQFIV A special service takes place at the Cenotaph on Front Street in the morning.

(-7. 82& )&= )IGIQFIV Bermudians celebrate Christmas in a big way with a family feast of turkey.

'4<.3, )&= )IGIQFIV Many families throw their homes open to family and friends for a â&#x20AC;&#x2DC;stop byâ&#x20AC;&#x2122; and of course food and refreshments. The gombeys will also be out, so listen for the beat of that drum.

3*; =*&7 )&= /ERYEV] In Bermuda this may mean anything from a quiet day with family to further revelry.

New Resident 2021

FESTIVE CITY The Christmas Boat Parade Dozens of boats decorated with thousands of lights cruise around Hamilton Harbour creating a uniquely Bermudian spectacle.

City Food Festival Chef and bartender competitions and other events GIPIFVEXMRK ǻRI JSSH MW E QYWX for those that love eating and drinking.

Christmas in the City The City of Hamilton schedules many festive celebrations over the holidays, from the tree lighting ceremony to special movie events. There’s also lots of jolly shopping and plenty holiday cheer in Hamilton’s many restaurants.

New Year’s Eve There’s always a memorable block party in the City to usher in the new year, showcasing the best of Bermuda’s local talent.

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New Resident 2021

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29

HAMILTON BUSINESS MAP 1

2

3

2Tech Ltd A&P Marine American Consulate AXA XL Bermuda Cancer and Health Centre Bermuda Centre for Creative Learning Bermuda Chamber of Commerce Bermuda Media Bermuda Monetary Authority (BMA) Bermuda Offshore Investment Services Bermuda Stock Exchange

55 4 45 14 41 34 17 7 37 6 36

Bermuda Tourism Authority Bermuda Underwater Exploration Institute Bermuda Waterworks Bermuda Veterinary Services BEST Shipping/Joe Vieira Trucking BF&M BHS Bus Terminal Butterfield Head Office Café 4 Chubb

29 42 44 52 1 3 5 30 32 20 13

City Hall Coldwell Banker Bermuda Realty Corporate Concierge Ferry Terminal Gov’t Information Services Gov’t Offices including Immigration Hamma Galleries Harbourfront Restaurant Headway Hair & Body H.M. Customs House of India

26 8 25 16 40 39 54 46 28 48 35

4 21

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New Resident 2020

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47 In Motion School of Dance 22, 49 Island Health Services 31 La Trattoria 18 Library 12 Little Venice Restaurant 10 Lâ&#x20AC;&#x2122;Oriental Restaurant 9, 43 Lâ&#x20AC;&#x2122;Oriental Express 2 Marine Locker 24 Mount Saint Agnes Academy (MSA) 53 Offshore Yachting & Maintenance 51 Opposition Leader

48

19 38 50 27 33 15 21 11 23

Phoenix Stores Post Office Premier & Cabinet Office PwC Red Carpet Royal Bermuda Yacht Club Saltus Grammar School Ultimate Imaging Wee Care Pediatrics

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New Resident 2020

31

TRANSPORTATION

,IXXMRK SR XLI VSEH

All you need to know to about driving in Bermuda

M

ER] RI[ VIWMHIRXW ǻRH 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 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.

32

However, we strongly recommend buying here. There are severe restrictions on importing your own vehicle.

The least-expensive car available is priced at around $16,250. Highend luxury vehicles cost $70,000 to $90,000. Electric vehicles are becoming popular on the island, and with a range of 150 to 200 miles, they are perfect for our small island. There are several models available from around $45,000 up to $70,000. =SY [MPP EPQSWX GIVXEMRP] ǻRH 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 around $2 per liter, or $8 per gallon), you’ll likely FI ǻPPMRK YT MRJVIUYIRXP] HYI XS XLI 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 ǻRH XLI] GER QEREKI XVERWTSVXEXMSR 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 $358 for the smallest category of car to $1,732 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.

New Resident 2021

INSIGHT 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 XLIVI EVI ǻRI ǻPQ QYWMG EVXW ERH even culinary festivals throughout the year.

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 SXLIV ǻRERGMEP WIVZMGIW WIGXSVW EVI 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 'IGEYWI IZIV]XLMRK LEW XS FI ǼS[R MR ]SYƶPP ǻRH WSQI MXIQW WYGL EW 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 HMǺIVIRX GSQTEVIH [MXL PMZMRK 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 2021

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 FYWMRIWW ERH ǻRERGMEP GIRXVIƹ VEXLIV XLER E XE\ LEZIR 'MK JSVIMKR ǻVQW 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

Myth #7 HURRICANE SEASON IS HELL No, it isn’t. For one thing, for centuries [I LEZI FYMPX SYV LSYWIW ERH SǽGIW as if they were under constant cannonball attack. For another, we EVIRƶX TVSRI XS WIVMSYW ǼSSHMRK &RH 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 *RKPMWL FIPMIZI MX MW JEV XSS EǺIGXIH

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’, JSV E JI[ LYRHVIH HSPPEVW ]SY GER Ǽ] 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 XVERWMXMSRW FIX[IIR HMǺIVIRX administrations following elections.

The most recent Parliamentary election of July 2017 being an example of the island’s mature and open democracy.

33

100% HASSLE FREE BOATING Your Island Boat Club membership equates to a quarter of the cost of owning a boat in Bermuda and includes the following:

MEMBERSHIP OPTIONS PREMIUM WEEKDAY 12 MONTH SUBSCRIPTION Enquire about shared and corporate memberships

Access to a fleet of exceptional luxury vessels Complimentary on-water training for boat handling in Bermuda’s waters Year round boat access The Island Boat Club team on hand and ready to assist at the dock

SCAN ME

On water assistance An 8:1 member to boat ratio, significantly lower than industry norms Access to catering services Easy online reservation system and more!

MEET THE FLEET Co m

ing

AXOPAR 28 T-TOP

SCOUT 195 SPORTFISH

CONTACT US TO SCHEDULE A FREE BOAT TOUR www.islandboatclub.bm | membership@islandboatclub.bm | +1 441 704 0186 |

in

20 21

BOATING

Boaterâ&#x20AC;&#x2122;s Paradise

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here isnâ&#x20AC;&#x2122;t much watersportswise that you canâ&#x20AC;&#x2122;t do here â&#x20AC;&#x201D; I\GITX MGI Ç»WLMRK 8LI [EXIVW 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 Americaâ&#x20AC;&#x2122;s Cup, held in 2017.

There are many intangibles to the legacy the Americaâ&#x20AC;&#x2122;s Cup left behind, but others, such as new marinas and other boating facilities, are very real.

Bermuda is a boaterâ&#x20AC;&#x2122;s paradise, and thereâ&#x20AC;&#x2122;s no reason to spend the weekends stuck on dry land when there are so many options for having fun on the water.

First, decide what will you use a boat for: family pleasure, water skiing, ǻWLMRK SV HS ]SY TVIJIV WEMPMRK$ 3I\X 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 a boat thatâ&#x20AC;&#x2122;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.

8LI 7S]EP 'IVQYHE =EGLX (PYF www.rbyc.bm 8LI 7S]EP -EQMPXSR &QEXIYV )MRKL] (PYF www.rhadc.bm TERMWL 5SMRX 'SEX (PYF www.spanishpointboatclub.bm X ,ISVKIƶW )MRKL] ERH TSVXW (PYF www.stgdsc.com ERH]W 'SEX (PYF www.sandysboatclub.com 0IIR ǻWLIVQIR [MPP [ERX XS NSMR XLI 'IVQYHE &RKPIVW (PYF www.bermudaanglersclub.com.

New Resident 2021

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15 Gorham m Road, R Hamilton l www www.marinelocker.com ww .marinelocker ma r.com . l (441) 295-9950 l marlo marloc@ibl.bm ar oc@ibl.bm @

BOATING

Out on

the water

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here are thousands of reasons to go boating, and when youâ&#x20AC;&#x2122;re MR 'IVQYHE ]SYĆśPP ÇťRH XLI 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 youâ&#x20AC;&#x2122;re just out for a leisurely cocktail cruise, drop anchor for a dayâ&#x20AC;&#x2122;s swimming and lounging in the sun, or perhaps something more active, such as ÇťWLMRK [EXIV WOMMRK [EOI WYVÇťRK wake boarding or tubing. Itâ&#x20AC;&#x2122;s a great way to get exercise out in the sunshine and fresh air.

And while Bermudaâ&#x20AC;&#x2122;s land mass may be only a few square miles, cruising the coastal waters provides virtually unlimited recreation space ERH FVMRKW ER IRXMVIP] HMÇşIVIRX perspective to how you see and think about your island home.

Of course, purchasing and maintaining a boat does come with some responsibilities. The highly skilled experts at Sparyard (www.

WTEV]EVH FQ ERH 4ÇşWLSVI =EGLXMRK and Maintenance (www.oymbermuda. com) will help you maintain your vessel in tip top condition.

The Bermuda Government Department of Marine and Ports is responsible for monitoring commercial and recreational boat XVEÇ˝G ERH QEREKIW FSEX ERH mooring registrations. Current fees and other information can be found on its website: www.gov.bm/ department/marine-and-ports Another option is Island Boat Clubâ&#x20AC;&#x2122;s membership programme, designed to give you access to luxury vessels without the responsibility of maintenance, upkeep, insurance, mooring fees, cleaning and repairs. If youâ&#x20AC;&#x2122;re unfamiliar with boat handling, they will also provide on-water training. www.islandboatclub.bm 4RI ÇťREP [SVH ;LIR ]SY EVI SR the water, please help us to protect and preserve our environment.

New Resident 2021

Weâ&#x20AC;&#x2122;ll look after this So you can do that

441.234.2235 | office@sparyard.bm | www.sparyard.bm

Stop by or call our friendly boatyard and see what we can do for you!

Quote reference NR21 when you book to be entered into a draw to get your haul and launch for free.

37

SCHOOL REPORT

8LI EPXYW )MǺIVIRGI Saltus demonstrates what makes it a world-class educational establishment

E

verything we do at Saltus is designed to prepare our students for a fast-paced, ever-changing world. It is an allencompassing approach to learning, from Foundation Year through to Graduation, and embraces each students’ potential as learners, as human beings, and as ethical members of a global community.

With two stunning campuses, students enjoy an enhanced learning environment that is full of life, energy and discovery.

Academic Excellence is the core of what we do – the business we are in. Our innovative programme ensures that Saltus students emerge with healthy selfNew Resident 2021

GSRǻHIRGI MRXIPPIGXYEP EGYMX] curious minds, and compassion for community. In short, they are ready for university and the world beyond.

Extracurricular activities are HIWMKRIH XS LIPT WXYHIRXW ǻRH their passion. Whether based in athletics, service learning, or the VERKI SJ GPYFW SǺIVIH EX EPXYW each student has the opportunity to explore options that encourage their creativity and dedication.

The more students are challenged XS FI PIEHIVW XLI QSVI GSRǻHIRX and skilled they will be as leaders in their future lives. Our new student leadership model encourages everyone to be leaders and to develop a collaborative,

communicative, fair and supportive mindset. We prize role models and place value on the impact behaviour can have on the lives of those around us.

Expert Faculty is the backbone SJ ER] TS[IVJYP ERH IǺIGXMZI academic programme. Their expertise, character and commitment add to the educational experience. Saltus teachers are PIEVRIVW ǻVWX ERH XLIMV TEWWMSR JSV education is apparent in all they do.

With all the opportunities available to Saltus students, they obtain a well-rounded education that encourages their love for learning and prepares them well for their future.

39

SCHOOL REPORT

Personalised

Learning

S

tudents who have languagebased learning differences, such as dyslexia and ADHD, often struggle in traditional schools.

They can feel isolated as their peers move ahead while they fall behind. Bermuda Centre for Creative Learning (BCCL) began in 2015, specifically for children who learn

differently. They continually research and apply evidence-based ‘bestteaching’ practices and understand

Children with learning or attention issues are as smart as their peers and can achieve at high levels but too often are misunderstood as lazy or unintelligent. Without the right academic or emotional support, they are much more likely than their peers to repeat a grade, develop low self-esteem and lose interest in school.* BCCL is the first and currently the only school in Bermuda that provides a personalised learning plan for students who have a learning difference. *National Center for Learning Disabilities

Personalised Learning admissions@bccl.bm 41 Cedar Avenue, Hamilton HM 12 441-824-1111 www.bccl.bm 40

that teacher effectiveness ties directly to student learning. Small class sizes led by master teachers with a nurturing approach, has a positive impact for students’ self-confidence - making a huge difference for them and their families.

Each student has a personalised learning plan which includes goals to meet their academic and social and emotional growth. Teachers continually track student progress, which allows them to move year levels throughout the school year.

In addition to personalised learning plans, daily physical education classes, brain-breaks, mindfulness exercises and specialist therapeutic interventions are provided 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). The IPC and IMYC integrate core subjects through project-based learning, allowing students to learn multiple subject areas through thematic units in a cross-curricular approach. They are located in the City of Hamilton, within walking distance to local parks, businesses, bus transportation and the Bermuda Sea Express Ferry Service, making access to St. George’s and Royal Naval Dockyard historic sites possible. BCCL has rolling admission for children ages 6 to 15 and invites prospective students to spend an Experience Week with their learning community to determine eligibility. Tuition bursaries are available for families who qualify. Please visit: www.bccl. bm, Facebook and Instagram to learn more about the BCCL way of learning.

New Resident 2021

SCHOOL REPORT

World-class curriculum MSA discusses one of the best learning systems in the world

M

SA uses the Alberta Programs of Study from Alberta, Canada, which is recognised as one of the world leaders in education.

MSAâ&#x20AC;&#x2122;s continuous curriculum begins with age-appropriate learning at age 4 in its Early Learning Program and continues through to graduation from grade 12. The Alberta Programs of Study is held in high regard by universities around the world and MSA students write the rigorous Alberta Diploma Exams.

At MSA we recognise each child as an individual and help them to develop according to their potential so they may become responsible members of a complex and rapidly changing world.

Inspired by the concept that all

students have several languages of learning, we value our students as individuals capable of doing and communicating their unique abilities in extraordinary ways.

The school campus is conveniently located within the City

SJ -EQMPXSR ERH SÇşIVW E ZEVMIX] SJ opportunities for sports and the arts.

Every parent wants to set up their children for the best opportunity for success, getting an MSA education with an Alberta High School Diploma helps them do that.

We encourage collaborative learning. .4" JT UIF POMZ TDIPPM JO #FSNVEB UP PĆ&#x160;FS Kagan Cooperative Learning strategies, where every child is engaged and wants to participate. %JTDPWFS UIF NBOZ CFOFĆ&#x2021;UT PG FBSMZ MFBSOJOH BU .4"

New Resident 2021

msa.bm

41

SCHOOL REPORT

Academic achievement and international opportunities

B

HS is an independent, International Baccalaureate and Round Square School for students from the Early Years Programme (EYP) through to Year 13. BHS is all-girls from ages 4-16, ERH GS IHYGEXMSREP MR XLI ǻREP X[S years for the IB Diploma programme.

It is accredited with the International

Baccalaureate Organisation, the Council of International Schools, the New England Association of Schools and Colleges and is a Global Member of the Round Square Organisation and the National Coalition of Girls’ Schools.

The School’s mission is to educate students to the highest international

DETERMINED. UNSTOPPABLE. ANYTHING’S POSSIBLE. BHS empowers all girls to step confidently into the future by offering academic excellence enriched by innovation and taught in a supportive, collaborative community.

SCAN HERE FOR A VIRTUAL TOUR OF OUR NEW INNOVATION CENTRE

ALL GIRLS EYP THROUGH Y 11

42

I

CO-ED IB

I

441-278-3047

I

WWW.BHS.BM

WXERHEVHW ERH XS JSWXIV GSRǻHIRX resilient, and responsible global citizens.

Since 1894, BHS has been dedicated to the education of girls and has been a leader in education in Bermuda. Set in the heart of Hamilton, the BHS campus blends the traditional with the modern; providing an environment purposefully constructed to support and challenge girls. The newly constructed Innovation Centre and renovated Arts Wing provides stateof-the-art facilities unlike any other in Bermuda. Students are encouraged and inspired, not only academically, but in sports, the performing and visual arts, and community service to become authentic versions of themselves and lead successful lives. BHS provides an environment where girls take centre stage and learn to use their voice GSRǻHIRXP] ERH [MXL TYVTSWI of BHS graduates go on to tertiary education, around the world.

Head of School, Linda Parker states, “I am endlessly reminded of how very fortunate we are at BHS. We work with talented young people with very bright futures. As I interview TVSWTIGXMZI WXYHIRXW ERH WXEǺ they invariably remark on several aspects of the school: the high level of academic achievement, the international opportunities, the warm and nurturing environment and our LETT] GSRǻHIRX WXYHIRXW ƹ As the only Round Square School on the island, BHS students have access to exchanges, conferences, service projects and cultural trips around the world.

If you would like to visit BHS, please contact the Director of Admissions and Inclusion at admissions@bhs.bm. www.bhs.bm.

Tel: 295-6153.

New Resident 2021

SCHOOL REPORT

Warwick Academy: Where history and innovation collide

W

hilst Warwick Academy is 359 years old and the oldest continuously operating school in the Western Hemisphere it remains a beacon of educational innovation in Bermuda.

Having hundreds of years of history and tradition by no means implies the school is old fashioned or stuck in their ways. What follows is a snap shot of recent innovation in action.

• A Learning Enrichment Programme to better support learning needs.

• Activity afternoons in the school day encouraging aerobic activities ERH FYMPHMRK VIPEXMSRWLMTW [MXL WXEǺ students and their peers. Over 40 HMǺIVIRX EGXMZMXMIW EVI SR SǺIV JVSQ Sustainable Gardening to Kayaking to Football.

• Academic pathways available [LMGL EPPS[ JSV E ǼI\MFPI approach to student choice. The IB Career-Related Programme (IBCP) incorporating BTEC nonexamination vocational subjects, and the Accelerated Science pathway in =IEV SǺIVMRK E FVSEHIV ERH JEWXIV paced journey through Physics, Chemistry and Biology are two examples.

• Science developments include building a Marine Science Facility making clever use of the schools waterfront property; the Natural History Club and their composting and sustainable gardening initiatives; STEAM curriculum changes with Year 9 students studying Bio-Chemistry and Physical Science (Engineering).

• A sports science course was added to Year 9.

• A high performance swim program for ambitious swimmers wanting to stay on island, train during the school day and compete against US schools.

• Individualizing the University/ College and career decision making process with a team of WXEǺ XS JSGYW SR IEGL NYVMWHMGXMSR resulting in an incredibly successful New Resident 2021

ǻVWX GLSMGI EGGITXERGI VEXI SJ • As a private school with a public purpose cultivating community partnerships with clubs. Warwick Archers Football Club, Warwick Academy Cricket Club, Sharks Swim Club and Mariners Rugby Club.

• Covid forced innovation with

the use of Microsoft Teams, a Brick2Click laptop initiative to allow for movement between home and school, and permanently reducing class size across the Middle School from 25 to 18-20 students.

•Find out more by reviewing the school’s website: www.warwick. bm; Strategic Plan - The Way Forward: LXXTW [[[ ǼMTKSVMPPE com/p/26183111565903976/show or contacting Mrs. Rochelle Lee, Director of Admissions: rlee@ warwick.bm or 239 9457.

SO MUCH MORE THAN A PLACE TO LEARN

The WAy Forward

Building on centuries of excellence, we provide an international educational environment designed for our diverse student body. Our innovative curriculum is delivered with a commitment to personalised pastoral care and enhanced by a dynamic co-curricular programme. We strive to create a culture of collaboration so that our students can become lifelong learners, global thinkers and successful leaders. zŽƵ ĐĂŶ ĮŶĚ ŽƵƚ ŵŽƌĞ ďLJ ĐŽŶƚĂĐƟŶŐ DƌƐ͘ ZŽĐŚĞůůĞ >ĞĞ͕ ŽƵƌ ŝƌĞĐƚŽƌ ŽĨ ĚŵŝƐƐŝŽŶƐ͕ Ăƚ rlee@warwick.bm ĂŶĚ ďŽŽŬ ĂŶ ĂƉƉŽŝŶƚŵĞŶƚ͘

Mr. David Horan, B.Ed., M.Ed. Principal

117 î ½ ÙÊ ͕ ó Ùó® »͕ Ö¦01 ͻ 236-1917 ͻ óóó͘ó Ùó® »͘ Ã

43

SCHOOL REPORT

'YMPHMRK 1MZIW JSV *XIVRMX]

B

ermuda Institute is a Seventhday Adventist pre K-12 college preparatory coeducational school, located in Southampton. It is the only Seventh-day Adventist school on the island. It is operated by a twenty-three-member Board of Directors who represent a crosssection of the school constituency, such as pastors, church members, parents and teachers.

44

Bermuda Institute was established in 1943 for the sole purpose of providing a Christ-centered education for the Seventh-day Adventist Youth of Bermuda, and any other young person who desires a Christian learning environment.

Though our curriculum is based on the American System that requires our students to sit the SAT and ACT exams, our philosophy of

education fosters the development of the physical, mental, social and spiritual aspects of each student. This is acquired through XLI GSQFMRIH IǺSVXW SJ XLI LSQI church, and the school in harmony with the standards and ideals of the Seventh-day Adventist Church.

We integrate faith and learning in everything we do. It is not just about the learning of content, though it is highlighted, but the total development of the individual.

8LI] EVI TVSǻGMIRX MR QEXL ERH science, master critical thinking and communication skills, with a strong emphasis on service. We are well known in the community for our dynamic music program. We are accredited by the Accrediting Association of Seventh-day Adventist Schools, Colleges and Universities, National Council for Private School Accreditation, and the Middle States Association of Colleges and Schools Commissions on Elementary and Secondary Schools.

Because of the small class sizes, our campus enjoys a family atmosphere. With fewer students in the classroom they receive more individual attention from our dedicated teachers who want the best for their students, and QEOI IZIV] IǺSVX XS IRWYVI XLEX they reach their full potential. They take the time to get to know each child personally, build their selfGSRǻHIRGI [LMPI GVIEXMRK E WEJI learning environment for everyone.

At Bermuda Institute we are proud of the fact that 98% of our graduates go on to higher education. With their College Preparatory Diploma SV ,IRIVEP (IVXMǻGEXI XLI] EVI EFPI to attend any school of their choice in the United States, Canada, United Kingdom and the Caribbean, then they return home to give back to their community.

Our mission is to encourage every student who enters our gates to develop a personal relationship with God, challenge them to academic, physical and social excellence, thus equip them for Heaven, service to God and their fellow men. www.bermudainstitute.bm New Resident 2021

SCHOOL REPORT

5VITEVMRK XLI head, hands and heart of each learner

S

SQIVWǻIPH &GEHIQ] Bermuda’s International School, was founded in 1991 by a group of parents who created the Montessori Trust.

The school was originally known as the Montessori International Academy, but changed its name XS SQIVWǻIPH &GEHIQ] [LIR MX relocated to Devonshire in 2001.

SQIVWǻIPH &GEHIQ] FSEWXW small classes and 510 students ranging in age from 3 to 18 years old. The school is divided into three divisions: Montessori, Upper Primary and Secondary. At the Montessori levels (ages 3- 9), the student to teacher ratio is very small, 12:1 — providing one of the most personalised learning experiences of any school on the island.

SQIVWǻIPH &GEHIQ] 'IVQYHEƶW ǻVWX MRXIVREXMSREPP] EGGVIHMXIH school, is currently validated by the Canadian Accredited Independent Schools authority, as well as the International Baccalaureate Organisation and is an associate member of the American Montessori SGMIX] ERH ER EǽPMEXI SJ XLI National Association of Independent Schools. As Bermuda’s only accredited SEED School (Seeking Educational Equity and Diversity), SQIVWǻIPH MW E GLEQTMSR JSV diversity, equity and inclusion.

Visitors to the school remark on the warm, inviting, family atmosphere and the vibrant sense of energy and innovation that GLEVEGXIVMWIW XLI SQIVWǻIPH experience. The campus is beautifully landscaped and has seen extensive improvements recently, including a fresh stateof-the art science suite, “success centers” for remediation and enrichment and, most impressively, an exciting International Center [MXL ǼI\MFPI MRWXVYGXMSREP WTEGIW New Resident 2021

for delivering the I.B. Diploma Programme.

The newly introduced I.B. Diploma Programme provides a robust and broad preparation for tertiary education and the world of work. The select range SJ GSYVWIW SǺIVIH EVI HIWMKRIH to prepare students to meet the most demanding admission VIUYMVIQIRXW SJ XLI ǻRIWX WGLSSPW and a wide range of career choices.

As an international school

servicing a broad population of both local and mobile families, the Montessori and I.B. programmes are readily transferable to more than 200 countries. The school’s rolling admission policy, which accepts students throughout the school year, provides new families to the island the opportunity to join a dynamic and diverse school family that is committed to providing a stellar program of study for the 21st century global learner.

45

SCHOOLS Xxxxxxx Xxxxx

A selection of private nurseries and pre-schools Aerieâ&#x20AC;&#x2122;s Adventures, Devonshire Ages XS TYTMPW WXEǺ Tel: Michelle Caesar, 232-3743

Adventureland Pre-School, Warwick Ages: Â&#x201A; XS TYTMPW WXEǺ Tel: Ryan Minors, 238-8032

Bda Montessori School, Pembroke Ages: 15 months to 4 ]IEVW TYTMPW WXEǺ Tel: Julie Durrant, 292-7209 BHS Early Years Programme Pembroke Ages: TYTMPW WXEǺ Tel: Minta Watson, 278-3047 Bloomfield, Paget Ages: XS TYTMPW WXEǺ Tel: Anna Moniz, 232-4047 Bright Beginnings, Pembroke Ages: 3 months to 5. 50 pupils/ WXEǺ Tel: Victoria Cunningham, 238-5160 Little Learners Nursery, Pembroke Ages: 3-months to 5. 45 pupils/ WXEǺ Tel: Christine Larrivee, 292-8326 Mount St. Agnes (Catholic) Early Learning Programme Ages: ]IEVW WXYHIRXW WXEǺ Tel: 292-4134 Â&#x192;Å&#x2026;ĵåųŸÄ&#x20AC;åĬÃ&#x161;Æ&#x2030; Ã&#x17D;°Ã&#x161;åĵƼ, Devonshire Ages: 3 to 16 years. 494 pupils/ WXEǺ Tel: Janice Outerbridge, 236-9797 Play With A Purpose Nursery, Warwick Ages: XS TYTMPW WXEǺ Tel: Jennifer McLeod, 236-4835 www.play.bm Saltus Foundation Year Cavendish Campus Devonshire &KI XYHIRXW WXEǺ Tel: Amanda Skinner, 292-6177 School House Nursery, Devonshire Ages: XS TYTMPW WXEǺ Tel: Katie Adams, 236-2830 Stepping Stones Nursery, Devonshire Ages: XS TYTMPW WXEǺ Tel: Julie Goodwin, 293-8031 Tree Tops Pre-School, Smiths Ages: XS TYTMPW WXEǺ Tel: Danielle Barrest, 236-9281 Tree Tops 2, Southampton Ages: XS TYTMPW WXEǺ Tel: Sarah Oatley, 238-6025 Warwick Academy Reception Year., Warwick Ages: ]IEVW TYTMPW WXEǺ Tel: 236-1917

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New Resident 2021

SCHOOLS

PRIVATE SCHOOLS

8ST (PEWW

A tiny island in the middle of nowhere — how could it possibly have adequate facilities for the schooling of the most important child in the world … yours!

B

ecause Bermudians have always taken education seriously, the facilities are superb. And not just facilities. The simple truth is that Bermuda can and does educate its young residents to a surprising degree of success.

It has been said that Bermuda TVSHYGIW QSVI UYEPMǻIH professionals than any other country on a proportional basis. So you can rest assured that your child will not be put at a disadvantage by coming here with you.

So which school? For beginners, all nurseries — whether Government run or private — have to conform to internationally accepted standards of care and education. The best way to choose is to visit them and also ask other parents.

Schooling is compulsory from XLI EKI SJ ǻZI =SY LEZI E GLSMGI SJ public and private institutions — all coeducational and with curricula that blend North American and British systems.

Many people from overseas plump for private schools here. The fees can reach up to $22,000 a year. There EVI WGLSSPW KIEVIH WTIGMǻGEPP] FYX not exclusively) for Catholics and Seventh-Day Adventists, as well as Montessori schools.

The school year lasts close to 40 weeks, from early September to late June, with Christmas (two weeks), New Resident 2021

BCCL Bermuda Centre for Creative Learning Cindy Corday, Lindsey Sirju 41 Cedar Avenue Cedar House, 2nd Floor Hamilton HM 12 Tel: 824-1111 Email: admissions@bccl.bm Web: www.bccl.bm BHS (Bermuda High School) Linda Parker 19 Richmond Road, Pembroke HM 08 Tel: 295-6153 Email: info@bhs.bm Web: www.bhs.bm Bermuda Institute of Seventh-day Adventists Jan Smith 234 Middle Road, Southampton SN 04 Tel: 238-1566 Email: jansmith@bermudainstitute.bm Web: www.bermudainstitute.com

Easter (two weeks) and summer (10 weeks) breaks. Children must wear uniform.If you are considering one of the Government schools, it is wise to contact the Ministry of Education, Tel: 441-278-3300.

Mount St Agnes (Catholic) Susan Moench 19 Dundonald Street West, Hamilton HM 09 Tel: 292-4134 Email: QWESǽGI%QWE FQ Web: www.msa.bm Saltus Grammar School Deryn Lavell PO Box HM 2224, Hamilton HM JX Tel: 292-6177 Email: info@saltus.bm Web: www.saltus.bm SQIVWǻIPH &GEHIQ] Carlos Symonds 107 Middle Rd, Devonshire DV 06 Tel: 236-9797 Email: MRJS%WSQIVWǻIPH FQ Web: [[[ WSQIVWǻIPH FQ Warwick Academy David Horan 117 Middle Road, Warwick PG 01 Tel: 236-1917, Primary 239-9460

Email: info@warwick.bm Web: www.warwick.bm For older children and young adults, there is the Bermuda College, [LMGL SǺIVW JYPP ERH TEVX XMQI courses in a wide variety of subjects, many of which can be credited towards degrees. www.college.bm.

47

PETS

Comprehensive Veterinary Care For Your Pet

S

ince 2015, Bermuda Veterinary Services has endeavored to provide outstanding health care to pets, and exceptional client service in a friendly environment. Its commitment to high standards, competence and service has raised the bar for veterinary medicine in Bermuda.

Unique in Bermuda and impressive for any small community, the TVEGXMGI MW TVSYH XS SǺIV WIVZMGIW previously only available overseas.

The skilled and experienced veterinary surgeons and registered veterinary nurses are capable of performing a wide variety of medical and surgical procedures for both small and large animals (equine). The team at the fullservice hospital at Bermuda Veterinary Services utilises advanced diagnostic tools,

including MRI, x-ray, ultrasound, blood analysis, laboratory, ECG and much more, ensuring your pet FIRIǻXW JVSQ EGGIWW XS XLI PEXIWX veterinary medical technology in order to diagnose and develop an appropriate treatment plan.

Should surgery be recommended, the surgical suite has modern equipment to safeguard your pet’s health. After surgery, your pet will be monitored continuously by the nursing and veterinary team, who will assure your pet is clean, comfortable, free of pain and on the road to recovery. Whether your pet has a broken leg, an abdominal tumor, or has a bone stuck inside, the doctors at Bermuda Veterinary IVZMGIW LEZI XLI I\TIVMIRGI XS ǻ\ the problem.

Bermuda Veterinary Services has the honor of working with Dr. Tomas

.RJIVRYWS E 'SEVH (IVXMǻIH YVKISR (Diplomate in the American College of Veterinary Surgeons) from New York, who is available to perform advanced surgical procedures at the hospital, thereby reducing the stress of travel for a sick pet. Dr. Infernuso’s caseload encompasses surgery for patients with a wide range of orthopedic, neurologic, oncologic (cancer), thoracic and soft tissue problems.

Bermuda Veterinary Services SǺIVW GSRZIRMIRX I\XIRHIH LSYVW early admissions, 30-minute appointments, minimal waiting times, house calls and barn calls. If one of its patients has an emergency after hours, the on-call doctor is available to help 24 hours a day, 7 days a week, 365 days a year. Its clients trust Bermuda Veterinary Services to be there for them and it takes the responsibility of emergency service seriously.

For more information or to schedule an appointment, please call 232-8387 or visit www.bermudavets.bm

Keeping your

BEST FRIENDS happy and healthy!

BERMUDA VETERINARY SERVICES

BVS BOUTIQUE

The Netherlands, 1 The Lane Paget PG05

14 York Street, Town of St George’s GE05 (Access via Water Street)

• • • • • • •

Medical care Surgery (soft tissue, orthopedics and neurosurgery) Dental care and surgery Advanced Imaging: Pet MRI, Radiology and Ultrasound Home visits On Call 24 Hour Emergency Service Grooming, Doggy Day Care and Boarding

• • • •

Pet products, medications, food and supplies for cats and dogs Primary Veterinary Care: annual exams, checkups, weight clinics and new pet wellness checkups Non-surgical care and treatments Delivery service (East End)

www.bermudavets.bm | 441-232-8387 | 48

New Resident 2021

PETS

'VMRKMRK ]SYV TIX XS 'IVQYHE

T

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 ZEGGMRIW ]SY QYWX GSRÇťVQ [MXL ]SYV vet that there has been no lapse in the coverage and they have received at least two rabies vaccinations.

4RGI ]SY LEZI GSRÇťVQIH ]SYV TIX meets the rabies requirements for IRXV] ]SYV LSQI ZIX GER JYPÇťPP XLI other requirements with one visit. You [MPP RIIH E ZIXIVMREV] LIEPXL GIVXMÇťGEXI 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 TEVEWMXIW 8LI GIVXMÇťGEXI WLSYPH GSRÇťVQ XLI REQI HEXI SJ FMVXL FVIIH description and microchip number of the pet, along with the ownerâ&#x20AC;&#x2122;s name New Resident 2021

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 GIVXMÇťGEXI Once you have your rabies vaccine TVSSJW ERH LIEPXL GIVXMÇťGEXI EPSRK 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.

We love what we do...

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49

PETS

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ermudaâ&#x20AC;&#x2122;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 from heatstroke in a very short time. Avoid walking your dog during the hottest hours of the day (10am to 5pm).

Brachiocephalics (pug-nosed dogs) should only be given short walks on summer days, regardless of the time SJ HE] ;LIR [EPOMRK SǺIV ]SYV HSK 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, donâ&#x20AC;&#x2122;t start walking him or her during the heat in the summer. Start with WLSVX [EPOW YRXMP XLI HSKƶW Ç»XRIWW level improves and he or she has

dropped some weight.

Long-haired dogs and thickcoated dogs are more sensitive to the heat. Keep your dog wellgroomed 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 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

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PETS needs emergency treatment. Dogs WYÇşIVMRK JVSQ LIEXWXVSOI RIIH 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 Bermudaâ&#x20AC;&#x2122;s pets for 48 years in a professional and friendly environment. The medical team has more than 140 combined years of experience, and Dr. Madeiros GSRXMRYIW XS MRZIWX MR LMW WXEÇş ERH MR new technologies to ensure ongoing provision of excellent animal medical care. Ettrick is currently YRHIVKSMRK E WMKRMÇťGERX VIRSZEXMSR and extension and the team is looking forward to its completion in the summer of 2020. The hospital will continue to operate as normal during this period of rejuvenation.

-*&8 Ambient temperatures in the mid- to high 80s challenges a dogâ&#x20AC;&#x2122;s ability to remain cool. Dogs cannot sweat like humans and do not lose body heat through evaporation of sweat.

5*8 '*;&7* Watch out for these critters and plants to keep your pet safe

W

e donâ&#x20AC;&#x2122;t have snakes or coyotes in Bermuda, but that doesnâ&#x20AC;&#x2122;t mean we donâ&#x20AC;&#x2122;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 5SVXYKYIWI 2ER 4 ;EV E NIPP]ÇťWL PMOI SGIER GVIEXYVI XLEX ÇźSEXW SR XLI surface of the water and often washes ashore. The long tentacles pack a mighty sting and pose a serious threat to people and pets.

Another small animal to look out for is the Bermuda toad. These can grow quite large and are toxic to dogs. Donâ&#x20AC;&#x2122;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.

Not quite so dangerous, but still to be avoided, are lizards, tree frogs,

-92.).8= The daily humidity in Bermuda year-round is high, especially in the summer.

-YQMHMX] GSQTSYRHW XLI IÇşIGX of heat and must be factored in, especially when considering exercise.

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. ;I LEZI ZIV] JI[ Çź]MRK MRWIGXW MR Bermuda, but mosquitoes can be a problem in the summer months. If your dog is bitten, it may lead to heartworm.

Dogs are sometimes tempted to chew on or eat plants. Be especially vigilante that your pet doesnâ&#x20AC;&#x2122;t chew on Sago palms, which have toxic properties. Severe liver damage and death can occur. Also, youâ&#x20AC;&#x2122;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 GER GEYWI IEV MRJIGXMSRW MR ÇźSTT] 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.

&11*7,.* In the summer, grass allergies can worsen, causing dogs to itch more than usual.

Reddened moist skin is more susceptible to infection. ;*.,-8 Large dogs and overweight dogs are more prone XS WYǺIVMRK JVSQ XLI LIEX EW XLI extra body mass and fat retains QSVI LIEX QEOMRK MX QSVI HMǽGYPX JSV XLIQ XS GSSP SǺ '7**) Brachiocephalic breeds (snub-nosed dogs such as Pugs, 'SWXSR 8IVVMIVW 2EWXMǺW +VIRGL Bulldogs, Boxers, etc.) have narrower airways, which means XLI] LEZI QSVI HMǽGYPX] QSZMRK air and are particularly prone to heat-related complications.

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51

à«&#x2018;

HEALTH CARE

Live healthier, happier and PSRKIV PMZIW F

rom healthy lifestyle programmes and early detection screenings to life-saving treatment, your good health starts with proactive care.

Bermuda Cancer and Health Centre MW XLI .WPERHƶW PIEHMRK RSX JSV TVSǻX working to serve the community building healthier lives free of cancer and disease.

The Centre has a multi-disciplinary, experienced team consisting of radiologists, oncologists, diagnostic imaging technologists, radiation therapy nurses and therapists, TEXMIRX WIVZMGI WXEǺ GSQQYRMX] outreach professionals, accounting and administrative personnel.

This dedicated team provides compassion with care throughout all areas of the cancer journey. The Radiation Therapy Unit which opened MR LEW E GPMRMGEP EǽPMEXMSR [MXL Dana-Farber/Brigham and Women’s Cancer Centre in Boston.

Clinical services include 3-D Mammography, Ultrasound,

New Resident 2021

Breast and Prostate Biopsies, Bone Densitometry and Radiation Therapy cancer treatment.

Prevention is a vital part of the BCHC’s mission and provided through a variety of community outreach programmes within the community. To book a screening mammogram appointment, please call BCHC directly at 236-1001. For our other clinical services, speak to your doctor about making Bermuda Cancer and Health Centre your choice. &W E VIKMWXIVIH RSX JSV TVSǻX (charity #70.), the Centre believes that health screenings such as mammograms and ultrasound and treatment like radiation therapy should be accessible by everyone.

The Centre’s Equal Access Fund subsidises the cost of services for XLSWI [LS GERRSX EǺSVH XLIQ regardless of whether it is a $326 mammogram or a $100,000 radiation treatment.

To make this possible, the Centre

relies on the generosity of the local community, corporations, foundations and fundraising events to support its mission. Annually the Centre needs to raise more than $2.5 million to help approximately 860 people receive clinical services XLI] SXLIV[MWI QMKLX RSX EǺSVH and $100,000 to continue providing prevention and early detection education programmes reaching more than 7,000 people island-wide.

The Centre is tremendously grateful for the continued support from all sectors of the community [LS TVSZMHI ǻRERGMEP WYTTSVX XLVSYKL HMǺIVIRX EZIRYIW [LIXLIV it is by volunteering, participating in one (or more) of our eight annual fundraising events, hosting independent third party fundraisers, making a donation directly to BCHC or sponsoring BCHC events and programmes. These opportunities and more are available on the centre’s website, and if you’d like to host a fundraiser, we’d love to hear your ideas!

Bermuda Cancer and Health Centre provides a specialist approach to patient care. With its convenient central location, extended appointment hours, and JVII TEVOMRK SYV RSX JSV TVSǻX provides you with easy access ERH EǺSVHEFPI GEVI +SV QSVI information on Bermuda Cancer and Health Centre call 236-1001 or visit www.chc.bm.

53

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?”

T

he good news is that the standard of health care here is high. All doctors and dentists QYWX FIGSQI FSEVH GIVXMǻIH FIJSVI 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 I\TIGX MR E ǻVWX [SVPH LSWTMXEP

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 ǼS[R XS XST LSWTMXEPW MR XLI 9RMXIH States and Canada.

Formal overseas partners include some of the very best hospitals in the United States such as Johns 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 RIZIV LEZI XS FI ǼS[R SZIVWIEW for treatment, but if you do, you will be in the care of some of the top medical practitioners in North America. ;LEX ]SY [MPP ǻRH LS[IZIV MW that health care in Bermuda is one of the most expensive in the world. A Bermuda Health Council report from 2014 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.

Bermuda has no equivalent to the United Kingdom’s National Health Service. Instead, every employee must have health insurance.

54

New Resident 2021

HEALTH CARE You are not free to shop around for your health insurance â&#x20AC;&#x201D; you LEZI XS IRVSPP [MXL XLI TPER SÇşIVIH by your company. But you are allowed to choose which general practitioner (GP) to see for your health concerns.

A doctorâ&#x20AC;&#x2122;s visit can run anywhere from $80 to $150, depending upon the physician. If your plan does not cover the total cost of a doctorâ&#x20AC;&#x2122;s visit, and you are being costconscious, the insurer can help you choose one with a lower cost.

Employers usually pay 50% of the employeeâ&#x20AC;&#x2122;s health insurance, but some pay more as part of the FIRIÇťXW TEGOEKI .X [SYPH FI HMÇ˝GYPX XS TYX E GSWX 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 $900 or more per month 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. That cost could be as much as $2,500 per month.

Health plans often include medical, dental, and optical.

Many plans cover up to 80% of the expense for prescriptions, but you can expect to pay something when you see the pharmacist.

New employees can ask their companyâ&#x20AC;&#x2122;s human resource director what their policy does and does not cover or to contact your insurer for that information Opticians and optometrists operate privately.

Dental care is of a high standardâ&#x20AC;&#x201D; from orthodontic treatment to routine maintenance and cleaning.

Health Care 7IWSYVGIW Bermuda Cancer and Health Centre Tel: 236-1001 Web: www.chc.bm

Bermuda Health Council Tel: 292-6420 Web: www.bhec.bm Island Health Services Tel: 236-0084 and 296-9733 Web:www.ihs.bm Ultimate Imaging Tel: 297-6863 Web:www.ultimateimaging.bm

Wee Care Pediatrics Tel: 296-3032 Email: bdaweecare@gmail.com

New Resident 2021

55

SHIPPING

2SZMRK IǺSVXPIWWP] B

EST Shipping has a team SJ UYEPMǻIH MRXIVREXMSREP import and export specialists that will oversee your move from the initial planning EX SVMKMR XS XLI ǻREP YRTEGOMRK MR ]SYV RI[ LSQI SV SǽGI .X MW also well versed in corporate relocations; so whether you are moving a department or your whole operation, BEST can handle it. Large or small, it supplies the correct packing materials, loads, ships, unpacks and ensures your complete satisfaction. It also handles all necessary documentation and customs clearance to make your international shipping experience WMQTPI ERH IǺSVXPIWW BEST also understands the importance of valuable heirlooms, sentimental items and

items of immense value. Size is not an issue; if you need it packed and crated, BEST will do it.

It works with a vast global network of agents and associations overseas and is a member of the International Association of Movers (IAM), the

British Association of Removers (BAR) and the International Air Transport Association (IATA).

Call the Relocation Department for inquiries; Imports 441-294-6232 and Exports 441-294-6207. Email info@best.bm or visit www.best.bm.

At BEST we specialize in:

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56

we specialize in:

New Resident 2021

DINING

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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 cellar. As for local delicacies, you must try Bermuda lobster (available only in months in which there is an “R”), or at least our [SVPH JEQSYW ǻWL GLS[HIV $ $$ $$$ $$$$ $$$$$

less than $30 $30 to $40 $40 to $50 $50 to $60 $60 plus

Aurora: Newstead Hotel, 27 Harbour Road, Paget. 236-6060.

Reservations recommended. Smart casual. $$$$. Part of the renowned Little Venice Group of restaurants, Aurora, is the newest jewel in the crown. Located in Newstead hotel SǺIVMRK SGIER XS XEFPI GYMWMRI [MXL stunning views of the Hamilton harbour.

New Resident 2021

Bella Vista Bar & Grill: Port Royal Golf Course, Southampton. 2320100. $$. Join us for lunch, dinner, ERH HVMROW ERH ǻRH SYX JSV ]SYVWIPJ 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 WK 06. 232-2323.

Reservations recommended.

Smart casual. $$$$. Blû’s stunning location overlooks picturesque Hamilton Harbour and the Great Sound, providing an unparalleled view of the water and international sailing events. Blû has a bold American menu with generous .XEPMER ERH &WMER MRǼYIRGIW EW [IPP as a delightful sushi menu and a small bites menu.

Bone Fish Bar & Grill: 6 Dockyard Terrace, Dockyard. 234-5151. $$.

7IEWSREFPI TVMGIH QIRY ǻPPIH with seafood, top-grade meat, home made pastas, Italian wine, draft beer, and desserts to die

for. Open for lunch and dinner.

Catering also available.

Café Amici: Clock Tower Mall, Dockyard. 234-5009. $$. Italian family-style restaurant in the LIEVX SJ LMWXSVMG )SGO]EVH SǺIVMRK a friendly, intimate atmosphere and simple, uncomplicated and EǺSVHEFPI .XEPMER GYMWMRI 4TIR seven days. Breakfast Monday to EXYVHE] Ƴ EQ 'IVQYHE GSHǻWL and potato breakfast, Sundays 9 am–noon. Lunch to 4 pm and dinner 6–9 pm. Café Amici — where friends and family come together. Buon appetito.

Café 4: Windsor Place, 18 Queen Street, Hamilton. 295-8444. $. A stylish and sophisticated take out of organic, local, fresh, ingredients; along with homemade bread, pasta and healthy soups. Winner of the Best of Bermuda 2019 & 2020 awards for ‘Best Salad Bar’. Enjoy the indoor/outdoor dining facility.

Café Lido: Elbow Beach Hotel, Paget. 236-9884. Reservations recommended. $$$$ 4ǺIVW ER unrivaled culinary experience and a gem of a view of the South 57

DINING Shore. Award winning restaurant SÇşIVW ER I\GMXMRK QIRY JIEXYVMRK 2IHMXIVVERIER HMWLIW PSGEP ÇťWL and an enticing meat selection. *PMEREĆśW 7IWXEYVERX 106 Southside Road, St. Davidâ&#x20AC;&#x2122;s. 7770555. $$$. Bermudaâ&#x20AC;&#x2122;s unique dining experience where you can choose from premium cuts of steak, seafood and lamb cooked to perfection along with fresh vegetables and salads and the most mouth-watering desserts. +SYV[E]W .RR 7IWXEYVERX 1 Middle Road, Paget. 236-6517.

Reservations recommended.

Smart. $$$$. Superb international cuisine in a restaurant steeped with Bermudian history. Elegant and charming atmosphere with live piano music in the evenings and the most extensive wine cellar on the island. They have Bermudaâ&#x20AC;&#x2122;s most lavish Sunday brunch.

Reservations recommended. Smart casual. $$$. On the harbour, with its own dock, water lapping gently by the romantic table setting. Catch the sunset from the upper deck.

4ÇşIVW E ZEVMIH QIRY JIEXYVMRK E WIPIGXMSR SJ XLI JVIWLIWX ÇťWL ERH seafood in addition to dry-aged meats, handcrafted sushi rolls and irresistible desserts.

-EVFSYVJVSRX &X XLI '9*. 40 Crow Lane, Pembroke. 295-4207.

House of India: North Street, Hamilton. 295-6450. $. Reservations

suggested. Smart casual. Great atmosphere and outstanding, authentic menu whether dine in or take out.

1E 8VEXXSVME 23 Washington Lane, Hamilton. 295-1877.

Reservations recommended. $$.

One of Bermudaâ&#x20AC;&#x2122;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

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New Resident 2021

DINING BERMUDA L EADERS

O F

I N N OVAT I O N

IN

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

441-295-8279

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

DINING dinner for two or a gathering with friends. This festive trattoria has the islandâ&#x20AC;&#x2122;s only wood-burning pizza oven as a centerpiece and is recognized as best in Bermuda for their hearty Italian food, and warm, kid-friendly environment, all at an extraordinary value.

Little Venice: 32 Bermudiana Road, Hamilton. 295-3503. Reservations recommended. Smart casual. $$$.

'IVQYHEĆśW ÇťVWX ERH QSWX JEQSYW Italian restaurant, celebrating over JSVX] ÇťZI ]IEVW SJ JEFYPSYW WIVZMGI ÇťRI JSSH ERH QIXMGYPSYWP] TVITEVIH classic and contemporary regional Italian specialties. Enjoy fabulous wine and tasty bites with the incrowd in the adjacent Wine Bar. Lâ&#x20AC;&#x2122;Oriental: 32 Bermudiana Road, Hamilton (above Little Venice). 2964477. Reservations recommended.

Smart casual. $$$. The only place to get the best Oriental Fusion cuisine, featuring a welcoming Sushi Bar and Bermudaâ&#x20AC;&#x2122;s only Teppanyaki table.

Seating available inside under the exquisite Pagoda or outside under the stars.

Lâ&#x20AC;&#x2122;Oriental Express: Corner of Church Street and Par-La-Ville Road. $ ;I SÇşIV XLI FIWX SJ the best for take-out in Hamilton, SÇşIVMRK IZIV]XLMRK JVSQ WSYT ERH sushi, to wraps and sandwiches, to amazing salads and daily hot food specials. Thereâ&#x20AC;&#x2122;s a pasta FEV TPYW WTIGMEPX] GSÇşIIW XIEW and smoothies â&#x20AC;&#x201C; the selection is unbeatable.

Mickeyâ&#x20AC;&#x2122;s Beach Bistro: Elbow Beach Hotel, Paget. 236-9107.

Reservations recommended. $$$.

The only true beach bar and bistro on the island, right on the sand SÇşIVMRK E JYR ERH IGPIGXMG QIRY loved by visitors and locals.

5M^^E -SYWI Southside, St Davidâ&#x20AC;&#x2122;s, 293-5700; Shelly Bay, 293-8465; Heron Bay, Southampton, 238-2753.

Casual. $. Top-quality pizza.

7IH (EVTIX Reid Street, Hamilton. 295-6774. Reservations recommended. Smart casual. $$.

Informal but excellent continental restaurant favoured by local politicians.

IE 'VII^I 1SYRKI Elbow Beach Hotel, Paget. 232-3999.

Reservations recommended. $$$.

Provides the best spot for an al fresco drink, great sushi, pizza and tapas. A covered gazebo SÇşIVW WLIPXIV MJ RIIHIH 1MZI entertainment during the summer months.

Sul Verde: Rosewood Bermuda Hotel, Hamilton Parish. 298-6983.

Reservations recommended. $$$. Sul Verde brings the spirit of Southern Italy to the fairways, celebrating the simple, authentic ÇźEZSVW SJ (EQTERME MR E GSRZMZMEP setting. Delectable cheeses, pastas, breads and sausages are TVITEVIH MR LSYWI YWMRK XLI ÇťRIWX ingredients.

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