New Resident Guide 2023

2023

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

Live your life. you can.

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Visit us online at bfm.bm or call +1 441 295 5566

MOTOR

HOME

MARINE

TRAVEL

LIFE

HEALTH

INVESTING & RETIREMENT

PROPERTY & LIABILITY

Delivering the Highest Quality Medical Care Possible

Dr. Gerhard Boonstra

Dr. Basil Wilson

Dr. Roddy Moore

Dr. Samantha Price

Dr. Margot K. Harvey

Dr. Carlton C. Jones

Dr. Heather Montgomery

Dr. Diane Kooiman

Dr. Hayley Morton

Dr. Andrew West

Dr. Amne Osseyran

Dr. Danielle Simons

Dr. Jasmin Caines

Dr. Andrew Jamieson

WHAT WE OFFER: • Family Practice

• 24hr. Blood Pressure Monitoring

• Home Visits

• Functional Medicine

• TCD Examinations

• On-site Nurses

• On-site Laboratory Open from 7:30am

• Panel Physician for US Immigration

• Vaccinations

• Ultra Sound

• Scuba Diving Medical Examinations

• Stress Testing

• Se Habla Español, Afrikaans, Dutch

Paget Location

Hamilton Location

St. George’s Location

40 & 42 Point Finger Road, Paget DV04

14 Dundonald Street, Hamilton HM09

13 Water Street St. Georges, GE05

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

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

Monday - Wednesday & Friday 8am - 5pm Thursdays 8am - 1pm

Call 236-0084 for Appointments

Call 296-9733 for Appointments

Call 297-0068 for Appointments

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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

Contents New Resident 2023 Island Stats.......................................................7 Island Essentials..........................................9 Meet the locals..........................................13 Money Matters...........................................16 Prices..................................................................17 Banking.............................................................19 Working to Rule....................................... 22 4

amenities than would be found in many similar sized communities in North America or Europe. It MW EPWS GPIER IǽGMIRXP] VYR comparatively crime free, and you are unlikely to encounter a better range of sporting and recreational activities in any other place on earth. In most respects, life in Bermuda has much in common [MXL XLEX SJ ER EǾYIRX XS[R elsewhere but with distinct and ETTIEPMRK HMǺIVIRGIW HYI XS MXW geographical, cultural and social make-up. And Bermuda has its odd quirks, too. Some, like the two Bermuda/UK..............................................24 Bermuda/US..............................................25 Property........................................................... 26 Our new residents.................................. 29 Hamilton Map.............................................32 Festive Hamilton......................................34 Getting around.......................................... 36 Boating..............................................................39 Island Etiquette .........................................42 Fake Expectations...................................43 School Report.............................................44 Pests....................................................................51

days a year when the island closes down for a cricket match and a party, you will love. Others, such as the 35 kph speed limit, you will learn to appreciate. Workwise, the island moves at the same pace as London and New York. Otherwise it would not have become one of the world’s most important SǺWLSVI ǻRERGMEP GIRXIVW 8LIVI MW SRI QENSV HMǺIVIRGI XLSYKL =SYƶPP have one of the shortest and most beautiful commutes in the world.

While most of us here have to work hard, we also know how to 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.

Pets.......................................................................52 Healthcare.................................................... 56 Dining Guide ...............................................60 Director of Marketing Lissa Fisher Publisher Ian Coles Art Director Tim Parker Published by Bermuda Media Postal address: PO Box HM 2032, Hamilton HM HX, Bermuda.

Tel: 292-7279 Email: hello@bm.bm www.bermudamedia.bm

New Resident 2023

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

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

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

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

Paget Pharmacy Rural Hill Plaza, 130 South Road, Paget PG 06 Tel: 295-5510 Fax: 236-9057

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

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

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

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

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FULL-SERVICE PHARMACY » Prescriptions & Over-The-Counter Medications » Health & Beauty Aids » Vitamins & Supplements » Dental & Optical Care » Special Order Service For Medications » FREE Prescription Delivery » MDS Blister Packaging Service » Compounding Pharmacy Service » Over-The-Phone Prescription Refill Service » Healthy Lifestyle Advice » Medication Reviews & Usage Counselling » On Call Express Glucometer & Supplies 100% Covered By Argus » Seniors Save Wednesdays » Charge Card & Gift Card Service » Open Daily & Holidays » 8 Convenient Locations Island-wide

Visit The Phoenix Stores today. www.phoenixstores.bm

12/8/21 9:11 AM

FACTS & FIGURES

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

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

63,880 19,332 4,088 3,598 2,755 2,563 2,140 1,643 627 1,231 687 52% 48%

HATCHES, MATCHES & DISPATCHES Births Deaths Marriages Divorces

540 566 248 150

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

EDUCATION Private school enrollment 3,177 Public school enrollment 4,112 Bermuda College enrollment 1,305

EMPLOYMENT Total occupied jobs 32,427 Work Permits in private sector 6,140 Work permits in public sector 499

GOVERNMENT REVENUE Total $998,280 million

Payroll tax Customs Duty Land tax Company Tax Other

44% 20% 6% 6% 21%

GOVERNMENT EXPENDITURE Total: $1,182,434 million Grants & contributions 34% Wages & salaries 32% Debt service 11% Capital expenditure 5% Other operating expenditure 18% ,SZIVRQIRX HIǻGMX QMPPMSR

TRADE Total imports Total exports Imports by country USA Canada UK Caribbean All others 7EXI SJ MRǼEXMSR

$904 million $19 million 70% 8% 5% 2% 15%

TRANSPORT Registered Road Vehicles: 49,114 Reported Accidents: 1,074 Road Casualties: 532 Road Fatalities: 6 Gibbs Hill Lighthouse stands 362 feet above sea level — the highest point on the island. Built in 1844, it is made one of the few in the world made of cast iron.

New Resident 2023

Source: Bermuda Digest of Statics, 2021 by Government of Bermuda 7

Creating a tight bond

takes giving them space

Everyday banking privileges UÊ iÌÊ«ÀiviÀi Ì > ÊÀ>ÌiÃÊ> `Ê«À V }]Ê«À À ÌÞÊÃiÀÛ V }]ÊÊ « ÕÃÊ>Ê`i` V>Ìi`Ê*Ài iÀÊ,i >Ì Ã «Ê > >}iÀ

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Opening up a world of opportunity

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Qualifying eligibility criteria apply. Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.

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 2023

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.

9

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 ǻVWX 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 .XƶW WS IEW] XS KIX EVSYRH XLEX XLIVIƶW 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 [SRƶX ǻRH XLI 'IVQYHMER NYWXMGI W]WXIQ QYGL HMǺIVIRX 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] ǻVQ 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 WMKRMǻGERX 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.

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

10

GETTING OFF THE ROCK Bermuda is a small place with limited diversions, which is why Bermudians are so well travelled.

They’re always taking short XVMTW XS ƵKIX SǺ XLI VSGOƶ ;MXL careful planning of your budget, you can too, because despite our relative isolation, we’re remarkably well connected by air to the US, Canada, and the UK. We’re enjoy regular (mostly daily) RSR WXST ǼMKLXW VMKLX YT ERH down the East Coast, to Miami, Atlanta, Charlotte, Philadelphia, Washington, New Jersey, New York, Boston and Toronto.

British Airways has a dedicated service between Bermuda and Heathrow, London. For an up XS HEXI PMWXMRK SJ EPP ǼMKLXW XS and from Bermuda visit www.

FIVQYHEEMVTSVX GSQ ǼMKLXW

ENGLISH WITH A TWIST… Of course we do speak English, but with an EXXVEGXMZIP] HMǺIVIRX EGGIRX that may be a little confusing EX ǻVWX One particular feature is the transposing of the letters w and v – as in “Velcome to our island” and “gold is a waluable commodity” – which can be traced back to old English.

Ask any Bermudian you meet to explain the intricacies of islandspeak and you’re in for a hilarious conversation.

New Resident 2023

ISLAND ESSENTIALS

Over the Volcano

Our weather is mostly marvelous

Particularly Pleasant Weather Although it is close to the US northeast, Bermuda’s climate is semitropical, kept warm and humid by the Gulf Stream. It is hottest in the months of July, August and September when temperatures are usually in the 80s with equally high humidity counts.

YQQIV MW GSRWMHIVIH XS FIKMR SǽGMEPP] MR 2E] Ƴ E TYFPMG LSPMHE] SFWIVZIH SR XLI PEWX +VMHE] SJ 2E] WMKRMǻIW XLI ǻVWX HE] SJ SGIER swimming for Bermudians – and end in November. But temperatures from November to May can vary enormously, from the pleasant mid-70s to the all-time low of 41, recorded in 1955. January, February and March can be rainy and cool, although once again in this temperate climate, it is unusual to experience more than a few days of unpleasant weather at a time.

US Preclearance When you landed at L.F. Wade International Airport, you experienced our new passenger terminal, opened in December 2020.

It was built north of the old terminal, which had been constructed in the 1950’s, with several subsequent additions and renovations.

New Resident 2023

The new terminal cost around $250 million and has been designed in such a way that it can easily accommodate the addition of extra aircraft gates at either end of the terminal.

A partnership between the governments of Bermuda and Canada underpins the project.

It is generally referred to as “the island”, but Bermuda is in fact a chain of about 150 islands, many of which are really just rocky outcrops.

The land area, all 22 square miles of it, represents the summit of an undersea mountain. Although the highest point in Bermuda is a mere 259 feet above sea level, the ocean plunges to 15,000 feet within a few miles of land.

Do not be alarmed that the mountain we mentioned was volcanic – it is extinct. And you will also be happy to learn that although we do get the occasional hurricane, Bermuda is spared other natural disasters of any magnitude.

4RI FIRIǻX 'IVQYHE VIWMHIRXW enjoy is having US Customs and Immigration preclearance. Only about a dozen locations around the world have this US preclearance programme, which enables you to ‘preclear’ here if you’re travelling to the US, so wherever you land, onward travel is seamless. No further US customs, immigration or security checks required, unlike passengers arriving in the US from almost all other countries.

11

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 $80 per month upwards with the fastest speeds costing more than $300. 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.

12

New Resident 2023

PEOPLE

MEET THE LOCALS B

ermuda is a mecca for MRXIVREXMSREP GIPIFVMXMIW Ǽ]MRK in for a break. But did you know that we have a superstar of our own — Oscar-winning actor and producer Michael Douglas, whose mother Diana Dill’s Bermudian bloodlines go back to 1630. Until a few years ago, Douglas lived here full-time with his wife, Catherine Zeta-Jones, and their two children.

Former New York Mayor Michael Bloomberg, who was a also a candidate for the 2020 Democratic nomination for president of the United States can often be seen playing golf at exclusive Mid Ocean Club in Tucker’s Town, where he has a home. His fortune is thought to be in the region of $5bn and as a philanthropist he has donated millions of dollars to cultural, educational and medical causes.

Like many wealthy families that reside in Bermuda, the Greens GLSSWI XS OIIT E PS[ TVSǻPI 4ZIV the last few years, however, they have been thrust into the spotlight by their purchase and subsequent $100 million renovation of the Hamilton Princess Hotel, as well as XLI HIZIPSTQIRX SJ X[S RI[ SǽGI complexes on Hamilton’s waterfront, Waterloo House and Point House.

The family’s connection to the island goes back three generations.

Shaun Goater played for Manchester City in the Premier League between 1998 and 2003, where he scored more than 100 goals — including a hat-trick EKEMRWX LMW ǻVWX TVSJIWWMSREP

Michael Bloomberg

Alexander and Andrew Green

World Championships and XTERRA World Championships, and the ǻVWX 'IVQYHE JIQEPI XS [MR E gold medal at the Commonwealth Games when she won the triathlon event in Gold Coast, Australia in April 2018.

Shaun Goater

club, Manchester United. He was Manchester City’s top scorer for four consecutive seasons, and the local fans created a song in his honour, “Feed the Goat and He Will Score”.

At the 2020 Tokyo Olympic Games +PSVE )YǺ] GVSWWIH XLI ǻRMWL PMRI of the triathlon one minute ahead of her competition, securing the ǻVWX IZIV 4P]QTMG KSPH QIHEP JSV Bermuda. Our National Stadium and a hill are both named in her honour.

Flora is also a multiple time World Champion of the ITU World Triathlon Series, ITU Cross Triathlon +PSVE )YǺ]

Michael Douglas

New Resident 2023

13

JUST FOR KIDS

The Ultimate Kids Playground

B

ermuda is one of the most kid-friendly places on earth.

Whatever your kids’ interests — ballet or baseball — there’s almost certainly an active group for them to join. Here’s a sampling: Two groups that SǺIV XIEQ WTSVXW JSV OMHW EKIH ǻZI XS are the Bermuda Youth Sports Programme (BYSP) at the west end of the island, and the Youth Athletic Organisation (YAO) at the east end. No one is turned away, and every child gets a chance to play. These organisations SǺIV 8 FEPP ERH PMXXPI PIEKYI FEWIFEPP (April to June), soccer (October to December), and basketball (January to March).

There is also a thriving youth roller blade hockey group that meets

at Admiralty Park on the North Shore (www.bermudaballhockey. pointstreaksites.com).

Golf lessons are available at Port Royal Golf Course (www. portroyalgolfcourse. com) and through the Bermuda Junior Golf programme (www. bermudagolf.org).

Tennis is available through Coral Beach & Tennis Club (www. coralbeachclub.com) and the National Tennis Center (www.blta.bm).

There is a popular junior programme at the Bermuda Squash Club (www.bermudasquash.com).

As you would expect on an island, there are numerous swim clubs. Harbour Swim Club (www. harbourswimclub.bm), Sharks (www. sharksswimclub.bm) and Dolphins (www.dolphins.bm) are three of the

most popular.

Those who wish take gymnastics seriously should consider joining the Bermuda Gymnastics Association (www.bermudagymnastics.bm).

Bermuda’s premier dance school is In Motion. It classes for children 18 months right on up through all age groups, with classes in jazz, tap, ballet, modern dance, and more. (www.inmotionbda.com).

For young people interested in the environment, we recommend joining the Bermuda Zoological Society (BZS), the support charity for the aquarium, www.bamz.org.

Similarly, the Bermuda Underwater Exploration Institute has many camps and activities geared toward children, www.buei.bm Schools close during the summer in Bermuda for up to 11 weeks. But don’t worry — a seemingly endless number of summer camps spring into action.

Stay Sttay ay ahead ay ahea a ad d of your of yo y our competition! c com co o pe ettition!

Bermuda’s B ermuda da’s da ’s int iinternational nte t natio tern attionall s shipping hip hipping i g ex experts xper ts t offering off of ffe ferring ng g fast fas fa ast st and and d efficient effi ef ffic cien n service nt servic ce fo for: or: Cus Customs ust sto to oms Cle C Clearance eara ranc ce • De Deliv Delivery ive very r • Exports Exports Ex r ts • Logistics Lo ogis ist sttic cs Storage Sto St to ora age • Relocations Relo Re ocattio ons • International Int nte te ernat ation nal Forwarding Forrw ward rdin ng

Call C all 292-9509 292 92 2-9 950 09 o orr v visit isit w www.teamfast.bm ww.tte ww teamfa mffas ast st.b bm 14

New Resident 2023

BEAUTY

-S[ XS ǻRH ]SYV RI[ LEMVWX]PMWX (when you’re REALLY fussy)

P

acking and unpacking SV ǻRHMRK E RI[ LSQI may not be your main concern about moving to Bermuda. For many, it’s XV]MRK XS ǻRH XLI FIWX TIVWSR to style your hair. Because it’s often the case that if you don’t feel good about your hair, you don’t feel good, period.

Worry no more. The experts at Headway Salon and Day Spa will keep you looking good and feeling great. Friendly and inviting, Headway is right in the center of the city — just a few minutes walk from all of -EQMPXSRƶW QENSV SǽGIW Headway is for ladies, gentlemen and children.

New Resident 2023

Its stylists can ensure your existing style is maintained to perfection, or suggest something new for your island lifestyle.

8LI HE] WTE SǺIVW a world of relaxation, rejuvenation and beauty— facials, make-up brow tattooing, hair treatments, smoothing treatments and other expert services using clean/green product lines that are committed to helping the environment.

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

15

Money Matters

Xxxxxxx Xxxxx

&ǺSVHMRK 8LI 'IVQYHE 1MJIWX]PI It’s certainly a lovely place, but even with a good job Bermuda can seem expensive. Here’s a guide to help you budget.

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 $24,000 a year. Add another $2,000 to $4,000 for uniform, books, afterschool care and other school-related expenses.

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

Did you know ?

Bermuda Waterworks provides a public water supply via an underground pipeline network system. It is distributed from Devonshire going west to Sandys. visit www.bwl.bm.

PURE WATER & PURE ICE VENDING MACHINE IS OPEN 24 HOURS

HOURS OF OPERATION

MONDAY - FRIDAY: 8 a.m. – 5 p.m.

(OFFICE, RETAIL SHOP & DRIVE THRU))

SATURDAY: 9 a.m. – 1 p.m.

(DRIVE THRU ONLY)

32 Parsons Lane, Devonshire TEL: 299-PURE E-MAIL: purewater@bwl.bm WEB: www.bwl.bm A DIVISION OF BERMUDA WATERWORKS LIMITED

16

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 17 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 2023

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 (10oz, Dawn) .........................................$6.99 Laundry detergent (46oz, Tide liquid) ..........................$14.65 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

MOPEDS & MOTORCYCLES Basic 125cc .......................................$2,500 High-performance ..................... $8,000 Used starting from .......................$1,250 Annual licence fee ..........$61 to $158

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

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

Soap (three-pack, Dial) ............... $3.29 Shampoo (Pantene, 12oz) .......... $9.29 Shaving foam (Gillette, 11oz) ...$5.09

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

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 (SǺII S^ KVSYRH Maxwell House) ........................... $8.99 )IGEǺIMREXIH 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

7E^SVW ,MPPIXXI ǻZI TEGO ......$16.45

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

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

Blazer .........................................$250–$395

DRINK

Shirt (men’s) ............................. $30–$125

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

CARS

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

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

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

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

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

Sub-compact ................................$17,500 Family Crossover ...................... $40,000 Luxury convertible .................. $90,000 Insurance .....................$500 to $2,000 Gasoline ...................................$2.24 (litre) Annual licence fee (based on size of car) .......................................$304 to $1,678 New Resident 2023

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

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

SWEET TREATS Cadbury’s Dairy Milk (49g) ....$2.59 Hershey’s chocolate (41g) ....$1.89 17

NOW OPEN Sleeper’s Paradise - a division of Furniture Walk 7 Front Street, Hamilton | Open Monday-Saturday 10am-5pm | call: 292-5212 | www.furniturewalk.com

S H O P O N L I N E • I N - H O U S E F I N A N C I N G • I N - S TO C K I T E M S • M AT T R E S S GA L L E RY

BANKING

Full-Service Banking in Bermuda

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 receive and make payments, and support any EHHMXMSREP ǻRERGMEP VIUYMVIQIRXW ]SY may have.

Headquartered in Bermuda for SZIV ]IEVW 'YXXIVǻIPH MW E leading independent bank and XVYWX GSQTER] SǺIVMRK E JYPP VERKI SJ WIVZMGIW ERH ǻRERGMEP WSPYXMSRW 'YXXIVǻIPH [EW VIGIRXP] REQIH Bermuda’s 2021 Bank of the Year by The Banker and 2022 Best Private Bank by Global Finance. .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 download and complete an account application form by visiting [[[ FYXXIVǻIPHKVSYT GSQ ERH FVMRK MX MRXS 'YXXIVǻIPH [LIR ]SY EVVMZI SR MWPERH MQTP] ZMWMX 'YXXIVǻIPHƶW 7IMH Street Banking Centre in Hamilton to complete the application process.

Once you open an account, you EVI IPMKMFPI JSV 'YXXIVǻIPHƶW 5PEXMRYQ Debit Card, which provides a host SJ IZIV]HE] FEROMRK FIRIǻXW EX RS New Resident 2023

EHHMXMSREP GSWX 'YXXIVǻIPH MW EPWS XLI exclusive 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 a more bespoke solution for your banking needs, 'YXXIVǻIPH TVSZMHIW 5VIQMYQ and Private Banking services for qualifying customers. Premium Banking customers enjoy services of a dedicated Relationship Manager who is their single point of contact for access to all products and services.

'YXXIVǻIPHƶW 5VMZEXI 'EROMRK WIVZMGIW are geared toward high net worth and ultra-high net worth individuals SǺIVMRK GPMIRXW TIVWSREPMWIH ǻRERGMEP plans and services including asset management and trust.

No matter where you work or choose to live in Bermuda, you’ll be GPSWI XS ]SYV QSRI] EW 'YXXIVǻIPH has ATMs located across the Island, as well as three Banking Centres for your everyday needs. And if you are travelling to the US, Canada, the 90 SV *YVSTI 'YXXIVǻIPH QEOIW obtaining cash for your trip extremely convenient with its multi-currency ATMs located in the International Departures lounges at the L.F. Wade International Airport.

;MXL 'YXXIVǻIPH 4RPMRI ERH XLI 'YXXIVǻIPH 2SFMPI 'EROMRK ETT you have secure, 24/7 access to your accounts. And if you opt for the ability to send wires, you can easily transfer funds to personal or family accounts around the world.

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 of your weekends, 'YXXIVǻIPH LEW ]SY GSZIVIH [MXL a range of personalised lending solutions at very competitive rates.

'YXXIVǻIPHƶW EWWIX QEREKIQIRX 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 WTIEO [MXL 'YXXIVǻIPHƶW XVYWX professionals who are experts at creating tailored solutions for the protection, growth and intergenerational transfer of assets.

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

19

BANKING

Total Family Support HSBC Premier members and their families experience what other banks don’t provide - a KPSFEP RIX[SVO SJ YRMUYI TEVXRIVWLMTW TVMZMPIKIW ERH FIRIǻXW XLEX EHH ZEPYI XS IZIV] TEVX of your life.

Y

ou don’t live an ordinary life, so why settle for an ordinary FERO - '( 5VIQMIV SǺIVW FSXL PSGEP ERH KPSFEP FIRIǻXW designed for clients like you. Open a premium account today with one of the world’s leading International banks.

HSBC Premier is the perfect choice for clients needing priority WIVZMGIW ǼI\MFMPMX] ERH worldwide support. Premier clients enjoy reduced fees and preferential rates on a variety of products and services, including foreign exchange and loans as well as access to E VERKI SJ KPSFEP FIRIǻXW JSV XLIQWIPZIW ERH XLIMV JEQMP] 'IRIǻXW such as fee-free cash withdrawals from all HSBC ATM’s worldwide and emergency cash of up to $10,000 in local currency at HSBC Premier Centres and HSBC branches. ;MXL - '( 5VIQMIV MX W IEW] XS manage your home and overseas accounts together. With HSBC’s Global View you can view all your eligible accounts from other countries in one place and with Global Transfers you can instantly move money across borders between your personal eligible accounts with no wire fees.

Get tailored advice from someone who knows you. A dedicated Premier Relationship Manager will get to know you and your needs, TVSZMHMRK ǻRERGMEP TPERRMRK WIVZMGIW Your family is Premier too, as ]SYV I\GPYWMZI 5VIQMIV FIRIǻXW and privileges can be extended to your spouse and children (up to age MRGPYHMRK VI[EVHW SǺIVW ERH partnerships.

5VIQMIV (EVH 'IRIǻXW 5VIQMIV GYWXSQIVW EVI SǺIVIH Bermuda’s only annual fee-free credit cards—the HSBC Premier Bermudacard for local use or the 20

HSBC Premier Mastercard for worldwide use, and earn 1.5x reward points on local, overseas and online spending. Ditch the restrictions of typical airline reward cards. Using your reward points choose from any airline, any hotel—anytime with no blackout dates—and enjoy discounted airport lounge access.

The HSBC Premier Mastercard 'PEGO SǺIVW GSQTPMQIRXEV] access to over a thousand airport lounges, free Wi-Fi access, as well as discounts on hotel bookings and accommodations—and no international transaction fees. It earns the highest reward points at double value (2x) for every dollar that you spend on purchases, enabling you to earn rewards faster.

The HSBC Premier Visa Platinum HIFMX GEVH SǺIVW EHHMXMSREP FIRIǻXW such as Visa Concierge, Visa Luxury Hotel Collection, as well as price and purchase protection. All HSBC debit and credit card users are given automatic access to the new Home & Away discounts, with Premier customers gaining exclusive TVMZMPIKIW )MWGSYRXW EVI SǺIVIH SR purchases related to the following six categories: travel, shopping, dining, wellbeing, education, and experiences.

Premier Wealth and Investment Solutions Growing your wealth and meeting future goals takes more than just hard work. It also takes planning.

HSBC provides a dedicated Relationship Manager to customise E ǻRERGMEP TPER JSV ]SY ERH ]SYV family that leverage our global network of investment expertise.

You may also wish to try our HSBC savings calculators - Grow Your Wealth | Education Planning | Retirement Planning to see how you can take steps to reach your goals. They are simple to use and under¬stand no matter where you may be on your investment journey.

For more experienced investors, we also feature our full range of funds. Have a look at our Investor Resources.

For more information about how you and your family can experience the ultimate in Premier banking, contact 299-5252 or visit www.hsbc.bm/premier.

Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority.

New Resident 2023

FINANCIAL PLANNING

Don’t neglect your longƋåųĵƉĀĹ°ĹÎĜ°ĬƉŞĬ°ĹĹĜĹč

M

oving to a new country can be daunting for you and your family — a feeling that QE] FI EQTPMǻIH [LIR QSZMRK to our small island. For most, the immediate challenges include navigating new banking and medical systems, setting up utilities, and other short-term necessities.

As a new resident, more long-term planning (such as for retirement) may seem irrelevant, especially if your residency is linked to the terms of a work permit. Regardless of your status in Bermuda, thinking about what your future might look like is an essential part of life. Although you may be starting a new chapter in life now, at some point you will retire. Proper planning and mindful decision-making will be key to what that looks like when

the time comes. Whether short- or long-term, taking advantage of XLI TVSHYGXW ERH I\TIVXMWI SǺIVIH PSGEPP] MW XLI ǻVWX WXIT MR TPERRMRK for your future.

Freisenbruch, encourages pension members – or anyone trying to save for retirement – to open a personal retirement plan (PRP) and start contributing extra for their retirement. Contributing to E 575 MW HMǺIVIRX JVSQ GSRXVMFYXMRK to a regular savings or investment account in that the PRP funds are automatically earmarked for retirement as opposed to a generalpurpose rainy-day fund that may be held in a savings account.

8LI FIRIǻX SJ E 575 MW X[SJSPH Freisenbruch encourages monthly contributions, which can seamlessly integrate into your monthly money management routine, and you can

also make lump sum contributions to a PRP with no restrictions or minimum amounts. This allows for QSVI ǼI\MFMPMX] [LIR WEZMRK PSRK term. Second are the investment STXMSRW [LMGL SJXIR HMǺIV JVSQ XLSWI SǺIVIH F] FEROW 2SWX TIRWMSR TVSZMHIVW SǺIV XLMVH TEVX] mutual funds as opposed to the banks’ proprietary options, thus TVSZMHMRK EHHMXMSREP HMZIVWMǻGEXMSR to the investor.

So, although you have immediate tasks to organise and plan as you settle into island life, keep your future needs in mind, too.

Personal retirement plans provide an additional vehicle to save for retirement and are a great tool to utilise while you call Bermuda home.

Carla Seely is the Chief Operating 4ǽGIV EX +VIMWIRFVYGL .J ]SY would like any further details about our personal retirement plans, please contact pensionplans@ freisenbruch.bm or call 441 2963600 and ask for the pensions department.

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

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

New Resident 2023

21

IMMIGRATION

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

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 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 22

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 physicist, ǻRHMRK E NSF MR 'IVQYHE QE] FI QSVI HMǽGYPX SQIXMQIW XLI NSFW will simply not exist or they may be closed to non-Bermudians because

it is believed there are enough Bermudians available to carry out the role. As a rule of thumb, the spouse would be wise to seek employment before coming to Bermuda. Once here, the spouse must get a letter from Immigration giving permission to seek employment before looking for work. In any event, if the spouse wishes to come to work in Bermuda, this must be stated in the work permit application. Individual permits are also required for children.

If your spouse, partner or children do not intend to work, they must still be included in the application form and you need to show you earn IRSYKL XS WYTTSVX XLIQ ǻRERGMEPP] Anyone coming to Bermuda also needs to be aware that certain jobs are “closed” or “restricted”. Closed categories, which include jobs like KIRIVEP PEFSYVIV SǽGI 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 UYEPMǻIH '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 New Resident 2023

Xxxxxxx IMMIGRATION Xxxxx 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 ǻPPMRK ER I\MWXMRK TSWMXMSR MR XLI 'IVQYHE SǽGI An Entrepreneur’s work permit has also been created to enable people to live and work on the Island for up to a year while developing their business plans and raising capital for new international companies.

“Job Makers” legislation enables executives who are responsible for at least ten jobs held by Bermudians to be eligible for permanent residence. +SV GSQTERMIW MR XLI ǻRERGMEP XIGLRSPSK] ǻRXIGL WTEGI RI[ companies can get automatic [SVO TIVQMXW JSV YT XS ǻZI RSR Bermudian employees provided they apply for them within WM\ QSRXLW SJ XLI ǻVWX TIVQMX being granted. There are similar processes for new companies that EVI RSX MR XLI ǻRXIGL WTEGI 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...................................................$7,103 New Resident 2023

FULL RELOCATION SUPPORT WITH A DEDICATED RELOCATION CONSULTANT

WWW.CORPORATECONCIERGE.BM Providing a white-glove service to INTERNATIONAL BUSINESS

for over fifteen years.

Bermuda Orientation Tour

House Search and Selection

Driving License Support

Shipping Coordination

Pet Importation

info@corporateconcierge.bm

School Enrollment

Settling in Support

Utilities Setup

Club Memberships

Tel: + (441) 296 8575

23

FROM THE GOVERNOR

Our strong ties with Britain

B

ermuda was settled in 1609 by the British.

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

Question: 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?

Answer: As a British Overseas Territory, Bermuda and the UK share history, a constitutional relationship, and cultural norms. The legal frameworks and the political systems are not the same but they have common roots and the Judicial Committee of the Privy Council is Bermuda’s highest Court of Appeal.

Bermuda’s regulatory framework is clear, robust, and compliance with international standards and obligations is strong. The Bermuda Monetary Authority’s global reputation is key. Businesses in Bermuda have strong ties (historical and current) to businesses in the UK but also in North America. This is particularly the case in relation to the insurance markets, where many will attest to the symbiotic relationship between London and Bermuda.

Bermudians are British Nationals and have extensive familial and cultural links to the UK. Bermudians attend British schools and Universities (where they are eligible for ‘home fees’) but there are also close ties to Canada, the United States and the Caribbean.

6 .W XLIVI ER]XLMRK E ǻVWX XMQI VIWMHIRX [MPP ǻRH surprising about Bermuda?

A: Before arriving, you should already have heard that Bermuda is a beautiful, warm and friendly place to visit and to do business. You might also be surprised by the extent to which Bermudian people have strong connections around the world. The wealth of intellectual and cultural capital crammed on this small archipelago in the middle of the Atlantic can be a real surprise.

Q: Is there anything a businessperson should know to QEOI XLEX MQTSVXERX ǻVWX MQTVIWWMSR [LIR QIIXMRK 24

Bermudians? Is there a HMǺIVIRX HVIWW GSHI LIVI compared to attending business meetings in London for example, or any cultural ‘faux pas’ to avoid.

A: A ‘smart’ or even ‘smart casual’ dress code is smarter and more formal in Bermuda than elsewhere. This can be challenging for men and women during the hot and humid months. People tend to dress for the occasion regardless of the weather, so cotton and linen layers will feel welcome. Bermuda shorts for men in both business and formal settings is a real thing and a source of pride — so tread carefully with alternative views. There is a considerable amount of tradition, protocol and individual creativity about how and when to wear them.

Q: Is there any advice you would share with a businessperson who is experienced in doing FYWMRIWW MR FMK GMXMIW ERH RS[ ǻRHW LMQ SV LIVWIPJ MR this small community?

A: +VSQ XLI QSQIRX ]SY FIKMR FSEVHMRK ]SYV ǼMKLX XS Bermuda, work on the basis the person next to you, the people sitting behind you, the taxi driver etc. is related to or at least knows the person that you are talking about.

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

A: There are so many opportunities, you will be spoilt for choice. Bermuda is a perfect place to balance business and pleasure. You are never too far away from a golf course but more generally if you enjoy sport, you name it and there will more than likely be a group enjoying it. If you are here during one of the many international WTSVXMRK IZIRXW WYGL EW XLI 5,& 8SYVƶW 'YXXIVǻIPH Bermuda Championship, or SailGP, it is worth making the time to attend. If you enjoy art, there are a surprising number of galleries and some impressive collections in Bermuda. Go for a walk at Clearwater Beach or along the beaches on the South Shore to or from Horseshoe Bay. If you get a chance to experience Bermuda from the water, do not turn it down.

New Resident 2023

BERMUDA AND THE US

The Special Relationship

I

n July 2021 Bermuda welcomed new U.S. Consul General to Bermuda Karen Grissette, a welltravelled career +SVIMKR IVZMGI SǽGIV of more than 20 years.

Since she is a new resident herself, this publication asked Ms. Grissette about Karen Grissette her introduction to XLI MWPERH Ƹ2] ZIV] ǻVWX MQTVIWWMSR was actually before I even stepped foot on the island—it was that dazzling blue, gorgeous ocean that you see as you come in on the airplane. I remember thinking this is a stunningly beautiful place to come and live.

“Our family transitioned very easily to life here. Our children settled into school well and have made many friends. They are looking forward to getting into activities such as horseback riding and karate.

They love going out on boats and swimming. As a family we all enjoy the natural beauty of the island and have been walking the Railway Trail and the nature reserves. I have also been very impressed with the diversity and quality of local businesses.”

Ms. Grissette says meeting the people of Bermuda has been the greatest joy. “Bermudians are so welcoming and friendly. There are GIVXEMRP] GYPXYVEP HMǺIVIRGIW FYX Bermudians are very well acquainted with America. There are hardly any Bermudians that have never travelled to the U.S., and there are more U.S. connections and a deeper understanding of the United States than any other place I’ve lived—and .ƶZI PMZIH MR E PSX SJ HMǺIVIRX TPEGIW So that may make the island an easy place for Americans to adjust to.”

An insight to the island Ms. Grissette experienced very soon EJXIV QSZMRK LIVI [EW XLI IǺIGX of living in only 21 square miles.

“One of the things newcomers will quickly come to realize is that you New Resident 2023

encounter the same people in several HMǺIVIRX TPEGIW ERH settings—at your children’s school, MR PMRI EX XLI GSǺII shop, at a tennis class—and this can actually help develop close friendships and business relationships.

I saw someone on the beach with whom I had recently had a meeting, so we just continued our conversation there on the beach. Everybody is connected in one way or another to everybody else, so it’s kind of like one big family. I love that about Bermuda.”

Turning to the U.S. Consulate, one of the things Ms. Grissette is most proud of is customer service. Ƹ(YWXSQIV WIVZMGI MW XLI ǻVWX priority for our consular section.

We have very quick turnaround time for information. We respond very promptly to all enquiries made through our dedicated email address, hamiltonconsulate@state.gov. Lately, we have been receiving questions about the Covid-19 regulations for both Bermuda and the United States.

Obviously, the regulations are ever changing, but I’m pleased to say we have very strong cooperation between the U.S. government, the U.S. Centers for Disease Control and Prevention (CDC), and the Bermuda Government Ministry of Health in order to keep both U.S. and Bermuda populations well informed and safe during this pandemic.

“The services we provide at the consulate are for American citizens as well as non-Americans. For Americans, we’re here for emergency situations, which unfortunately are sometimes sad events, such as a sudden death, an arrest, or destitution, and then of course routine services such as passport renewals, reports of birth abroad, notarizing a power of attorney or a legal document, things like that. For non-Americans, most issues relate

to their desire to travel to the United States. That means either visiting visas or immigrant visas.

“One thing worth mentioning here is that we estimate there to be about 8,000 Americans resident on the island, among a total population SJ [LMGL MW E WMKRMǻGERX percentage. And when a cruise ship visits the island, that number increases dramatically. That’s why consular services are such a priority for us. We encourage and ask U.S. citizens to register with us here at the Consulate at https:// step.state.gov. One of the many FIRIǻXW SJ VIKMWXIVMRK MW XLEX [I EVI EFPI XS WIRH SǽGMEP QIWWEKIW directly to you. That might be about the Covid-19 testing requirements for travel or information about a hurricane for example.

Ms. Grissette says part of her mission is to deepen the strong economic ties between the United States and Bermuda. “There are a number of investment and business opportunities here, and I’m working with my colleagues in the U.S. Commercial Service to highlight those opportunities for U.S. companies and U.S. investors. There are a number of examples, but I’ll give you just one, and that is around developing sustainable energy on the island. We’re interacting with the Bermuda Government in this area and hope that we can make opportunities available and have U.S. companies competing and investing in this space.

It goes without saying that the international business sector on XLI MWPERH MW SJ KPSFEP WMKRMǻGERGI and the U.S. insurance companies based in Bermuda are very important for us. We meet regularly with the companies and various industry and trade groups to discuss concerns; share information with the appropriate entities in London, Washington D.C., and beyond; and help wherever we can.”

More information on the US Consulate in Bermuda is available at: https://bm.usconsulate.gov Facebook (@usconshamilton) Twitter (@usconshamilton) Instagram (@usconsulatehamilton).

25

PROPERTY

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

R

IRXMRK E LSQI [LIR ]SY ǻVWX come to live in Bermuda is not only wise, it is also the only option for most new residents. Many houses here have separate rental units, which can range from studio apartments to garden cottages.

Condominiums come in all shapes and sizes, and there is always a wide range of executive homes available at any given time.

The best way to start looking for a rental property—and you should see UYMXI E JI[ FIJSVI QEOMRK ]SYV ǻREP choice—is with the help of a local real estate agent. It is also well worth searching online. Alternatively you or your future employer could hire a relocation service. This is almost a necessity if you’re trying to secure housing before arriving on the island.

Some employers may pay for you to stay at a hotel or guesthouse for a few weeks, to give you time to look for accommodation.

Your housing needs will be dictated by your family requirements as well as your interests and work schedule. If, for example, you have the kind of job which requires shift work or the need to be called in at odd hours, you will want to live

26

relatively near to your place of employment.

If you have children, schools will be a consideration in your choice of location. Places at government primary and middle schools are allocated on the basis of zoning, which you may want to bear in mind when selecting your new home.

Rental units in the central parishes of Devonshire, Paget, Warwick, Pembroke and Smith’s tend to be pricier. However, as you will quickly learn, nowhere in Bermuda is very far from anywhere else and Hamilton can be reached by road from either end of the island in not much more than 30 minutes. There’s also a good ferry service for commuters from the west end. There is lower demand in east and west ends of the island, [LMGL QIERW ]SY [MPP ǻRH PS[IV rents, or get more square foot for the dollar.

The best time of year to look for housing is in the late summer, as students prepare to leave Bermuda for college and seasonal tourist workers leave the island.

Monthly rental for a studio apartment starts at no less than $1,000. One-bedroom apartments

are priced from just under $2,000 to $3,000, with those in the City of Hamilton commanding the highest rent. For a two-bedroom apartment or condominium you’re looking at $3,000 to $4,000 a month. Twobedroom units are the most broadly in demand and are therefore the LEVHIWX XS ǻRH ;EXIVZMI[W VYVEP settings, proximity to golf courses and other desirable features such as a swimming pool and tennis court, can push the price to the top of the range, with some wellappointed units going for more than $7,000.

For an executive three or four bedroom family home with nanny quarters, a pool and ocean views, the sky is the limit. Properties in this range usually start at $10,000 and it would not be unusual to see a luxury property at the very top end of the market being advertised for $20,000 a month.

The most sought-after properties are stand-alone cottages either on the water or with water views. They are also the most expensive per square foot. If you have your heart set on something like this, consider renting a lesser property to give you time to search for your ‘dream home’, and until something becomes available.

When it comes to the ‘added extras’ for your rental home, be careful to check the lease carefully.

The maintenance of the garden or pool is not always included in the rent, so be sure to ask. Similarly, establish whether you or the landlord

New Resident 2023

Xxxxxxx PROPERTY Xxxxx will be responsible for the payment of annual property taxes. As a general rule, if the lease is for less than three years, the landlord pays. If you are renting a condominium, establish whether you will be responsible for the condo association maintenance fees. Generally speaking, the landlord takes care of the exterior of the property and the tenant the interior.

Renting furnished accommodation is often the simplest solution. But if you do choose to bring your furniture with you, remember that you will pay import duty to land it in Bermuda. Most unfurnished properties include major appliances.

There is also a vibrant secondhand market for furniture and household furnishings, in which you may choose to participate as a buyer at the start of your stay in Bermuda or as a seller at the end.

The majority of properties are leased on a monthly basis with rent payable one month in advance, and with usually a month deposit at the start of the lease against breakages. Such a deposit is not always repayable. You may also be responsible for repainting the walls and ceiling of your rental property before you vacate. Be sure to ask.

Finally, two important points. You need a work permit before a formal lease can be signed. And only one car per household is allowed in Bermuda. So if you plan to buy a car, make sure your rental unit has what is known as an ‘assessment number’ for that property.

BermudaRelocation WWW.BERMUDARELOCATION.COM

RELOCATION SIMPLIFIED Bermuda Relocation – xōŰŸ 1ōǾȱ!

You’ve received the job offer of a lifetime and want to know what it takes to move to Bermuda before you accept? You’re a Digital Nomad and are applying for a One Year Residential Certificate and want to get your island life set up rapidly? You’re coming to Bermuda on secondment and want to settle in quickly to make the most of our island lifestyle? You’ve accepted a new role that is based in Bermuda and need help getting you and your family on island? Then access to our RELOCATION Portal is for you!

BANKING AND UTILITIES SETUP Provide you with document assistance for setting up your Mobile, TV, Water, Gas, Electric and more

HOUSE SEARCH AND SELECTION

DRIVING LICENSE SUPPORT

Connections with reliable realtors for Finding a Home, Shipment & Delivery, Furnishing and Home Search considerations.

Overview of full process from Purchasing a Vehicle, Lessons & Testing, Licensing, Insuring and Maintaining your Vehicle

JǐǶ ŸōǾƠƹȱ ōũũŸǾǾƠŨƹŸ ōDŽŰ ōũũȓǶōȋŸ ƠDŽƒǐǶǂōȋƠǐDŽ ōŨǐȓȋ ǶŸƹǐũōȋƠDŽƓ ȋǐ ŸǶǂȓŰō҂ Contact Us For | Single Use | Group of Five | Corporate Annual | Short Term User Access

A Division of Corporate Concierge:

info@corporateconcierge.bm

Tel: + (441) 296 8575

Looking to rent or buy?

Call +1 (441) 535-2769 today!

Cesa Edwards Real Estate Broker Bermuda Longtail Real Estate Ltd SALES & RENTALS

Email: cesa@bermudalongtail.bm www.bermudalongtailrealestate.com New Resident 2023

27

Xxxxxxx PROPERTY Xxxxx

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Your Piece Of The Rock

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undreds of people from all over the world have bought homes in Bermuda — some because they chose to retire here, some due to work commitments on the Island, still more for vacation purposes and others for any combination of the above.

Over the decades, property has grown steadily in value while remaining secure due to Bermuda’s history of political and social stability.

There are opportunities for people from abroad to buy grand local houses from about $4 million up to $25 million. There are also some condominiums available to overseas buyers, and these range from roughly $1 million to upwards of $3 million.

Buying here involves a bit of red tape but nothing too onerous. And 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.

28

New Resident 2023

WORKING REMOTELY

Remote Work From Bermuda 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

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 own company registered and operating outside of Bermuda; in the case of a student you must provide evidence of enrolment in a research, undergraduate, graduate or doctorate programme.

How to Apply It couldn’t be easier. Fill out the form online at forms.gov.bm/ work-from-bermuda/apply. You will need proof of employment or school enrolment and a colour scan of your passport photo page including, New Resident 2023

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 and ǼI\MFPI SǽGI WTEGI STXMSRW EZEMPEFPI in Bermuda such as Suite Solutions, Connectech, Nineteen and The Waterfront Properties.

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.

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.

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 extracurricular activities with their new friends.

A separate application is needed for each family member and adult dependent family members cannot seek paid work, but they are allowed to volunteer their time to support the

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. Soft Landing, www.softlanding.bm. Or Global Consultants, email: Global Consultantsbermuda@gmail.com 29

INSIGHT

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

N

ot so long ago, Paul Broxup’s daily routine involved the grind of the London Underground, precious little time to spend with his young family and typically miserable British weather.

Things have certainly changed for the better since he moved to Bermuda with wife Delilah Moinian and young daughter Deia.

Broxup, 42, who arrived on the island to work as a portfolio manager for Nephila Capital in March 2022, already feels at home – as do his family.

“Just the fact that the job is in Bermuda has been a very happy positive,” he says. Ƹ8LI SRI FIRIǻX JVSQ E TIVWSREP perspective is that my commute has gone from an hour to several QMRYXIW 8LI EFMPMX] XS FI IǽGMIRX and have a decent work-life balance has been very nice.”

After experiencing lockdown in London, the family jumped at the chance to move to a warmer location, where three-year-old Deia can enjoy a safe, outdoorsy lifestyle that would have been impossible in a big city.

They have settled into their new GSQQYRMX] SQIVWǻIPH &GEHIQ] pupil Deia is learning ballet with In Motion School of Dance, Broxup plays cricket at Shelly Bay for The Associates, and Moinian volunteers at the Bermuda Diabetes Centre, while they all love to relax at Jobson’s Cove and Elbow Beach. Moinian has even joined forces with a Bermudian friend to create a new business promoting events and workshops, EJXIV RSXMGMRK MX [EW HMǽGYPX XS ǻRH SYX [LEXƶW KSMRK SR MR XLI

30

community.

The new job has also gone well for Broxup. Ƹ.XƶW E WYTIV TVSJIWWMSREP SǽGI FYX equally it’s very friendly,” he says. Ƹ8LIVIƶW E HMǺIVIRGI FIX[IIR the UK, where I spent most of my career, and here. There’s a lot more interaction with your colleagues SYXWMHI XLI SǽGI “Firstly, you are going to bump MRXS TISTPI SYXWMHI XLI SǽGI anyway whether you want to or not.

Secondly, there’s a relatively large proportion of expats, so people are more willing and open to being friendly in a way that perhaps they’re not in the UK. “I feel like I know my colleagues here far better after nine months than I did at my previous job for nine years.”

The time zone is handy because it enables smooth communication with both the UK and the US, and then there’s the perk of riding to the SǽGI SR E QSXSVFMOI “Coming and going out on the scooter, I love it,” he says.

“I always loved bikes, being on two wheels, that feeling. It’s the best QIHMYQ SJ KIXXMRK MRXS E ǼS[ WXEXI just enjoying moving.”

Moinian, 36, who has a FEGOKVSYRH MR ǻRERGI VIXVEMRIH EW a psychologist while in London but LIV UYEPMǻGEXMSRW HS RSX EPPS[ LIV XS practise on the island.

As one door closed, however, Moinian opened another with her Bermudian business partner Sabrina Heyns. Ƹ;LIR [I ǻVWX GEQI LIVI . wanted to do things with Deia, but I would Google what’s going on, what classes are there, and I didn’t really ǻRH QYGL ƹ WLI WE]W

“Every time I’d come across something, it had already happened.

Then I realised it was either word of mouth, or you had to be signed YT XS E QMPPMSR HMǺIVIRX RI[WPIXXIVW to know what’s going on and who’s doing what.

“I thought it would be such a great idea if there was a platform for fun activities so you could just go on there and book it and do the whole process on that platform.”

The platform, named “Wopnin” after the Bermudian slang for “What’s Happening”, will also encourage skilled members of the GSQQYRMX] XS SǺIV [SVOWLSTW JSV children and adults.

It was due to launch a website SǽGMEPP] IEVP] MR ERH LEW already used Instagram to connect New Resident 2023

INSIGHT

people with classes such as cookiemaking, exercise training, yoga, and cocktail-making.

“The idea is that anyone who XLMROW XLI] LEZI WSQIXLMRK XS SǺIV they can just go in and sign up as a teacher and put their idea forward,” she says.

Bermuda has been a perfect location for Moinian.

“Paul and I say to each other, ‘It’s the world’s best kept secret.’

We really couldn’t believe that somewhere like this existed,” she says.

“It was and still is absolutely magical. You don’t have to go very far to come across the most beautiful scenery, and the people are so lovely and friendly and warm, which coming from London was New Resident 2023

quite a change. We really loved everything about it immediately.”

Making friends has been one of the highlights so far. Ƹ. [EW EX XLI TEIHMEXVMGMERƶW SǽGI with my daughter, and there was this other mother with her kid and we just started talking,” Moinian says.

“We went into the doctor. When we came back, she had left a note on my daughter’s pram saying, ‘It was lovely talking to you, here’s my number, I would love to go for a GSǺII ERH KIX XS ORS[ ]SY QSVI ƶ “This is the kind of interaction I’ve had everywhere. It’s just such a lovely vibe.”

All of this is good news for gregarious toddler Deia.

“She absolutely loves it. She loves

talking to people. Literally, in the street, cafés, people will start talking to her. We went back in the summer to the UK, and she was in the same frame of mind, and she would walk up to people and start talking – people would sort of look at her and walk past!”

The journey has not been without the occasional bump in the road.

Seeking rental accommodation was a challenge, although Broxup says they were fortunate to be provided housing by his employer FIJSVI ǻREPP] ǻRHMRK E WYMXEFPI property in Paget.

Broxup also noted the cost of living, citing the example of a Waitrose pizza worth £1.50 in the UK being sold for $14 in Bermuda.

“As I think anyone would testify, it’s clearly a bit of a shock,” he says.

“Before I came here, I remember reading that the cost of living in Bermuda is three times that of 1SRHSR ERH . WGSǺIH EX XLEX 'YX .ƶZI come to realise that it’s probably not JEV SǺ +VSQ E KVSGIV] TIVWTIGXMZI I’d say that’s pretty much accurate.”

High prices have also left the family regretting not bringing their old furniture with them, when they could have taken advantage of their one-time tax-free allowance.

“You can get everything you need on the island, but you are going to pay triple and you are not going to have much choice about what you are getting,” Broxup says.

And while Bermuda has been their ideal location, that doesn’t mean it will suit everyone.

“I would say it would depend on the individual,” Broxup says.

“For me and my wife and my daughter, and the stage of life we’re at, it’s a very appealing proposition.

For someone in their 20s who is looking to go out and meet lots of people and have a good time, that’s possible here but obviously it’s a relatively smaller group of people that you’re going to be interacting with potentially.”

For this family, though, there’s no plan to relocate any time soon.

“We fell in love with Bermuda,” Moinian says. “It’s made us want to be here forever.”

31

HAMILTON BUSINESS MAP 1

2

A&P Marine American Consulate Auto Solutions AXA XL Bermuda Cancer and Health Centre Bermuda Centre for Creative Learning Bermuda Chamber of Commerce Bermuda Media Bermuda Monetary Authority (BMA) Bermuda Stock Exchange Bermuda Tourism Authority

3

4 6 42 3 15 39 32 18 9 34 4 27

5 Bermuda Waterworks Bermuda Veterinary Services BF&M BHS Bus Terminal Café 4 Chubb Corporate Concierge Eurocar Ltd Fast Forward Freight

41 48 2 7 28 21 14 24 8 51

Ferry Terminal Freisenbruch-Meyer Group Gov’t Information Services Gov’t Offices including Immigration Hamma Galleries Harbourfront Restaurant Headway Hair & Body H.M. Customs HSBC Head Office In Motion

17 31 38 37 50 43 26 44 30 40

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New Resident 2020

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Island Health Services La Trattoria Library Little Venice Restaurant L’Oriental Restaurant L’Oriental Express Marine Locker MarketPlace Marshall’s Maintenance Offshore Yachting & Maintenance

Opposition Leader Phoenix Stores Post Office Premier & Cabinet Office PriceRite Royal Bermuda Yacht Club Saltus Grammar School Sears Ultimate Imaging Yoga on the Rock

52 47 20 36 46 5 16 22 33 11 25

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New Resident 2020

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33

OUR CAPITAL

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

C

entrally located with a QEKRMǻGIRX 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 ƴ EFSYX XLI WM^I SJ E ǻIPH 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]

Our ten special days Bermudians love a holiday — and who doesn’t. Here are details of all ten that you will celebrate with us.

GOOD FRIDAY April 7, 2023 An important day in the Christian calendar. In Bermuda this is also a day for OMXI Ǽ]MRK ERH IEXMRK GSHǻWL cakes and hot cross buns.

BERMUDA DAY May 26, 2023 8LI SǽGMEP WXEVX SJ XLI 34

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 Taste of Bermuda This bespoke culinary experience has been designed for attendees to enjoy from the comfort of their cars.

Expect the Par la Ville car park to CUP MATCH August 3 and 4, 2023 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.

Bermudian summer. There is also a half-marathon VYRRMRK VEGI ǻXXIH HMRKL] racing and a carnival–like parade through the streets of Hamilton.

LABOUR DAY September 4, 2023 There’s a morning march from Union Square in Hamilton. After speeches by union and political representatives, there is musical entertainment and refreshments.

NATIONAL HEROES DAY June 19, 2023 Celebrating local heroes and heroines.

REMEMBRANCE DAY November 11, 2023 A special service takes place at the Cenotaph on Front Street in the morning.

New Resident 2023

Xxxxxxx OUR CAPITAL Xxxxx be transformed into an experiential drive-through event space, featuring cooking demos and loads of giveaways.

Fresh Air Film Series Filmgoers and anyone looking to get out of the house are invited for a special movie experience. Look for dates and City locations throughout the year.

41 Victoria Street Hamilton

HOME ESSENTIALS AT EVERYDAY LOW PRICES!

2 FLOORS OF LEADING BRANDS S

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

Christmas in the City The City of Hamilton schedules many festive celebrations over the holidays — the tree lighting ceremony in front of City Hall is not to be missed. Plus there’s lots of jolly shopping and plenty of holiday cheer in Hamilton’s many restaurants.

APPLIANCES, TOOLS, LAWN & GARDEN, OUTDOOR LIVING, FITNESS & MORE! Monday - Saturday 8am to 6pm Free Parking at Shopping Centre www.sears.bm

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CHRISTMAS DAY December 25, 2023 Bermudians celebrate Christmas in a big way with a family feast of turkey.

BOXING DAY December 26, 2023 Many families throw their homes open to family and friends for a ‘stop by’ and of course food and refreshments. The gombeys will also be out, so listen for the beat of that drum.

NEW YEARS DAY January 1, 2024 In Bermuda this may mean anything from a quiet day with family to further revelry.

New Resident 2023

Bulk Groceries, Frozen Foods, Kitchen, Bedroom & Bathroom, Electronics, Power Tools, Toys & More!

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Mon. - Sat. 8am to 8pm Sunday 9am to 7pm 295-7111 232-0010 10 Mill Reach Lane 22 Middle Road Pembroke Warwick 35

TRANSPORTATION

Getting on the road All you need to know 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

36

and only 5 or 10 minutes when you live in Pembroke, Paget, or Devonshire Parishes.

Prices for new cars are higher than in North America and Europe, due to shipping and import duty rates. However, we strongly recommend buying here. There are severe restrictions on importing your own vehicle.

One of the least-expensive cars available is the Renault KWID at $17,450, available from Eurocar. *YVSGEV EPWS SǺIVW XLI TSTYPEV ZOE electric from $45,950. Auto Solutions has a wide range of cars to choose from such as the Hyundai KONA Electric, $47,995, the Suzuki Swift, $30,995, and it also imports Mitsubishi, Honda and Mazda vehicles. =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 $2.24 per litre, or $8.50 per gallon), you’ll likely be 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 QE] S[R ERH QSWX JEQMPMIW ǻRH they can manage transportation comfortably.

The only driving licenses accepted in Bermuda are those issued by the Transport Control Department (TCD). You will be required to take a written and practical driving test for a car or motorbike. Your new car or bike will also have to be tested for roadworthiness and registered with TCD. Annual car license fees vary from $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 2023

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2 2Woodlands WoodlandsRoad, Road,Pembroke Pembroke Monday-Friday Monday-Friday8am-5pm 8am-5pm Saturday Saturday10am-1pm 10am-1pm Tel: Tel:292-3240 292-3240 Email: Email:sales@eurocar.bm sales@eurocar.bm

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BOATING

Unchartered experiences await

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here isn’t much watersportswise that you can’t do here — I\GITX MGI ǻWLMRK 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 America’s Cup, held in 2017.

Thanks to this event, the Island is now synonymous with one of the world’s greatest sporting events and the most prestigious trophy in all of sailing.

America’s Cup teams from France, Britain, Sweden, Japan, New Zealand the USA moved to Bermuda a year or more in advance of the racing. Hundreds of team members and their families became “locals” and fully integrated into our small community. During the monthlong racing, 30,000 spectators came from all over the world and dozens of super yachts with billionaire owners and well-heeled guest on board converged on the island to watch the racing in ultimate luxury.

Today, Bermuda is one of the international locations chosen to host the international SailGP global sailing league, where the world’s New Resident 2023

greatest sailors race wing-sailed foiling catamarans at speeds of more than 50mph. Sail GP will be returning to Bermuda in May 2024.

There are many intangibles to the legacy the America’s Cup left behind, but others, such as new marinas and other boating facilities, are very real.

Bermuda is a boater’s paradise and there’s no reason to spend the weekends stuck on dry land when there are so many options for having fun on the water.

There are thousands of reasons to go boating, and when you’re in 'IVQYHE ]SYƶPP ǻRH XLI TSWWMFMPMX] well within your grasp.

Boating brings the family together and creates memories. There are few experiences that create as much fun as boating, whether you’re just out for a leisurely cocktail cruise, drop anchor for a day’s swimming and lounging in the sun, or perhaps something more active, such as ǻWLMRK [EXIV WOMMRK [EOI WYVǻRK wake boarding or tubing. It’s a great way to get exercise out in the sunshine and fresh air.

And while Bermuda’s land mass

may be only a few square miles, cruising the coastal waters provides virtually unlimited recreation space ERH FVMRKW ER IRXMVIP] HMǺIVIRX perspective to how you see and think about your island home.

First, decide what will you use a boat for: family pleasure, water WOMMRK ǻWLMRK SV HS ]SY TVIJIV sailing? Next ask yourself what style of boat and size would you like and, of course, your budget.

There are several reputable boat dealers on the island, including Marine Locker (www.marinelocker. com) and A&P Marine (www. apmarine.bm) who can help you with the process of choosing the boat that’s right for you. Boats may not be trouble-free, but when you buy from a local dealer, you have the added reassurance of a warranty on new boats, and a trusted advisor for service and maintenance.

If you want to meet like-minded boaters, consider joining a club. The clubs listed below organise regular sailing regattas and also welcome motor boaters.

The Royal Bermuda Yacht Club. www.rbyc.bm 39

BOATING

The Royal Hamilton Amateur Dinghy Club. www.rhadc.bm Spanish Point Boat Club. www. spanishpointboatclub.bm St. George’s Dinghy and Sports Club. www.stgdsc.com Sandys Boat Club. www. sandysboatclub.com 0IIR ǻWLIVQIR [MPP [ERX XS NSMR the Bermuda Anglers Club www. bermudaanglersclub.com. Its members come from all sectors of the community, with a focus on junior anglers and their families.

The Bermuda Government Department of Marine and Ports is responsible for monitoring commercial and recreational boat XVEǽG ERH QEREKIW FSEX ERH mooring registrations. Current fees and other information can be found on its website: www.gov.bm/ department/marine-and-ports The hurricane season in Bermuda is from June 1st to November 30th.

You will want to have a plan to

40

take care of your boat during these months, in the event a tropical storm or hurricane hits the island. Owners of small boats will usually haul them out of the water. There are several

precautions you can take for larger boats and we suggest you seek EHZMGI JVSQ ]SYV MRWYVERGI ǻVQ boat dealer or boat club.

Of course, maintaining a boat does come with some responsibilities.

The highly skilled experts at 4ǺWLSVI =EGLXMRK ERH 2EMRXIRERGI (www.oymbermuda.com) will help you maintain your vessel in tip top condition.

4RI ǻREP [SVH ;LIR ]SY EVI SR the water, please help us protect and preserve our environment.

Never throw anything overboard, TEVXMGYPEVP] TPEWXMGW ERH ǻWLMRK lines. They can entangle and kill marine life, especially turtles. Please try to reduce your use of plastics, recycle where possible; and take your garbage home with you, or make use of trash cans ashore.

Our coral reefs are a national treasure and an essential part of our fragile ecosystem. The reefs can be easily damaged by boat anchors, hulls and propellers, so please be cautious when boating near the reefs.

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New Resident 2023

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

global disaster is dismissed with a distracted “Sad…”

DON’T gossip about one local to another. Invariably, the subject turns out to be your interlocutor’s cousin/ neighbour/ex-spouse — you get the idea. The key concept to remember: everyone you meet is probably related and slated to talk soon.

DO be patient if you make a social arrangement with a Bermudian and he or she shows up 20 minutes late. It’s a kind of custom here — infuriating to outsiders until they wise up to ‘Bermuda time’. You should, of course, always show up to business meetings on time.

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

DO say “Good Morning”, “Good

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

Sorry.

DON’T be shocked to hear the mild-mannered local banker or lawyer you know as, say, Fred Smith, being referred to by colleagues as perhaps “Big Meat” or “Flea” or even “Sledgehammer.” Nicknames are a Bermudian thing; just look in the Obituaries column of the Royal Gazette each day to see some wonderful examples.

DO plan to eat out before 10pm unless you want fry-shaped 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.

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 2023

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 October 2020 being an example of the island’s mature and open democracy.

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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 2023

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.

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Xxxxxxx Xxxxx SCHOOL REPORT

For Students Who Think ERH 1IEVR )MǺIVIRXP]

S

HMǺIVIRXP] QEPP GPEWW WM^IW PIH F] master teachers with a nurturing approach, have a positive impact for WXYHIRXWƶ WIPJ GSRǻHIRGI QEOMRK E LYKI HMǺIVIRGI JSV XLIQ ERH XLIMV families.

Each student has a personalised learning plan which includes goals to meet their academic and social

tudents who have learning HMǺIVIRGIW WYGL EW H]WPI\ME 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 '((1 FIKER MR WTIGMǻGEPP] for children who think and learn

and emotional growth. Teachers continually track student progress, which allows them to move year levels throughout the school year.

Daily physical education classes, brain-breaks, and mindfulness are incorporated into the school day.

Specialist therapeutic interventions are available as part of BCCL’s wraparound support.

BCCL follows the UK National Curriculum, the International Primary Years Curriculum (IPC), and the International Middle Years Curriculum (IMYC). All integrate core subjects through project-based learning, allowing students to learn multiple subject areas through thematic units in a cross-curricular approach.

BCCL is in the City of Hamilton, has rolling admission for children ages 6 to 15, and invites prospective students to spend an Experience Week with its 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.

Personalized Learning 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 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 personalized learning plan for students who think and learn differently. *National Center for Learning Disabilities

+1 (441) 824-1111

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|

info@bccl.bm

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www.bccl.bm

New Resident 2023

SCHOOL REPORT

Academic achievement and international opportunities fortunate we are at BHS. We work collaboratively with talented young people who have very bright futures.

As I interview prospective students ERH WXEǺ XLI] MRZEVMEFP] VIQEVO SR several aspects of the school: our LETT] ERH GSRǻHIRX WXYHIRXW XLI warm and nurturing environment, the incredible international opportunities available and the high level of academic achievement.”

The Innovation Centre at BHS

LEADING BY EXAMPLE

B

HS is an independent, International Baccalaureate, A Level and Round Square School for students from the Early Years Programme (EYP) through to Y13. BHS is all-girls’ from ages 4-16, and co-educational in the ǻREP X[S ]IEVW SJ XLI IRMSV =IEVW Programme (SYP). BHS is the only WGLSSP MR 'IVQYHE XS SǺIV XLI & Levels and to be a Global Member of the Round Square Organisation.

The school’s mission is to cultivate a dynamic and inclusive learning environment that fosters intellectual curiosity, community consciousness and resilient independence.

Set in the heart of Hamilton, the BHS campus is a place where students acquire critical and creative thinking and dynamic problem-solving skills in an inspirational learning environment.

The state-of-the-art Innovation Centre and Arts Wing provides facilities unlike any other in Bermuda. Students at BHS are given every opportunity in sports, the STEM subjects, the performing ERH ZMWYEP EVXW ERH EVI SǺIVIH E wide variety of extra-curricular activities. As a Round Square School, students have access to travel around the world on exchanges, conferences, service projects and cultural trips, where they broaden their worldview beyond the shores of Bermuda.

Head of School, Linda Parker states, “When I walk around school ERH XEPO XS WXYHIRXW ERH WXEǺ SV observe lessons or activities, I am endlessly reminded of how very New Resident 2023

With a dedicated University Admissions Counsellor, graduating students are given individualised guidance and 100% of BHS graduates go on to tertiary education 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

BHS empowers all girls to confidently carve their own path, develop their individual potential and step into the world boldly, responsibly and joyfully.

Dr. Samantha DeCouto ‘94 Internal Medicine and Pediatrics, Somers Medical Services Limited Addy Botelho ‘32 Year 4 student

To learn more about BHS or our co-educational Senior Years Programme, please visit www.bhs.bm

ALL GIRLS EYP THROUGH Y 11

New Resident_2023.indd 1

I

CO-ED SYP

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441-278-3047

I

WWW.BHS.BM

11/30/2022 3:40:48 47 PM

Xxxxxxx Xxxxx SCHOOL REPORT

Building Lives for Eternity

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.

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

48

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 2023

SCHOOL REPORT

Preparing the head, hands and heart of each learner

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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 and changed its name XS SQIVWǻIPH &GEHIQ] [LIR MX relocated to Devonshire in 2001.

SQIVWǻIPH &GEHIQ] FSEWXW small classes and over 500 students ranging in age from 3 to 18 years old. The school is divided into three divisions: Montessori, 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 state-of-the art science suite, “success centers” for remediation and enrichment and, most impressively, an exciting .RXIVREXMSREP (IRXIV [MXL ǼI\MFPI instructional spaces for delivering the I.B. Diploma Programme.

The newly introduced I.B. Diploma Programme provides a robust and broad preparation for

New Resident 2023

tertiary education and the world of work. The select range of courses SǺIVIH EVI HIWMKRIH XS TVITEVI students to meet the demands of university study and the world of work beyond.

As an international school servicing a broad population of

both local and mobile families, the Montessori and I.B. programmes are readily transferable and recognised in over 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 community that is committed to providing a stellar program of study for the 21st century global learner.

For students to thrive in the 21st century they must engage in meaningful work that is both academic and grounded in real world contexts. Rooted in IB DQG 0RQWHVVRUL SKLORVRSK\ 6RPHUVƓHOG $FDGHP\ōV dedicated staff understand the power of connecting with students, inspiring them to test their limits and transcend them.

'RQōW PLVV WKH RSSRUWXQLW\ WR MRLQ D G\QDPLF DQG diverse community designed for the global learner. $SSO\ WRGD\ DW VRPHUVƓHOG EP

“Inspiring Socially Conscious Independent Thinkers”

49

SCHOOL REPORT

Warwick puts students at the centre

E

ducation has changed over the last 20 years; we foster young minds and encourage enquiry and application of knowledge, instead of regurgitation.

Students are now at the centre for all learning. Science at Warwick Academy has evolved with this new approach. We are fortunate to be EǺSVHIH XLI STTSVXYRMX] XLVSYKL generous donations to build a Marine Science Facility (MSF) and a STEM/ Collaboration room.

At Warwick Academy we want these programmes to be embedded into the curriculum and to span across the curricula also. Students have actively participated in Marine Science activities and coral conservation. A variety of subjects have taken integrated crosscurricular classes at the facility. We have had lessons on the Vietnam War, with mangrove, seagrass and GSVEP VIWXSVEXMSR SGIER EGMHMǻGEXMSR modelling, degassing of warmer

50

oceans, plating and exploring ocean microbes, benthic mapping, plankton and sponge ecology, and exploration between the history of slavery and molluscs just to name a few classes.

We have also had after school clubs exploring the biodiversity of Hamilton Harbour, and individual students who have used the facility to collect data for research papers.

5EVX SJ SYV QMWWMSR [EW XS SǺIV the use of the MSF to community organisations, other schools and citizen science projects. We were delighted to have BUEI use the facility this summer and try out our “see anchor’ underwater trail. Warwick students have also been involved in the creation of a collaborative project to help enact the DENR plan for Seahorse Conservation. We now have a team of volunteers who are busy monitoring and collating data on the vulnerable seahorse populations in Bermuda. We have welcomed

working relationships between BAMZ and BIOS that have evolved over the years and look forward establishing more.

In conjunction with the establishment of the MSF, we have incorporated our MATE ROV club into the Y9 Physics curriculum. Computer programming and robotics is the wave of the future and certainly a key element in the understanding and exploration of our ocean’s vast depths.

We have barely begun to scratch the surface of the exciting immersion opportunities Warwick Academy [SYPH PSZI XS SǺIV ;I [ERX students to be excited and inspired when they come to school. We value the relationships that we build and want to give every student an opportunity to be successful in the years to come. We are so much more than just a place to learn. www.warwick.bm. Tel: 236-1917.

Email: info@warwick.bm

New Resident 2023

Xxxxxxx Xxxxx

PESTS

How to get rid of pests

M ENT SI N C

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New Resident 2023

Protect your home with targeted treatments from Bermuda’s best pestt control specialists.

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W

hen it comes to pests in Bermuda, none are more prevalent than ants and cockroaches. Bermuda Pest Control has 6 steps to help deal with these unwanted guests.

1. .HIRXMǻGEXMSR. Arguably the most important part of dealing with TIWXW TVSTIV MHIRXMǻGEXMSR [MPP SJXIR FI XLI HMǺIVIRGI FIX[IIR successfully ridding your home of pests or them sticking around longer. The internet is a great resource for identifying pests, but you can always ask the pros for help.

2. Monitor. Where are the pests?

When do you see them? How many are there? These questions can help pinpoint where, why, and how to treat for pests. Remember, seeing one or two pests does not necessarily mean an infestation.

3. Threshold. What’s your pest threshold? For some of us, seeing one roach or ant is enough to cause a panic, but oftentimes this is not indicative of a larger problem. Your pest threshold is

A

your criteria for when enough is enough, and action is needed.

4. Treatment. It’s time for action, but don’t run for the Baygon just yet. Take some time to explore other treatment methods, such as cleaning problem areas, sealing cracks and crevices, or even some natural remedies such as peppermint oil.

5. Evaluate. Once you’ve treated for the problem pest, monitor activity to see if the treatment is successful. Pest control is a dynamic, ongoing process, and sometimes more than one treatment is necessary to completely rectify the problem.

6. Call. If all else fails, contact Bermuda Pest Control. We’re happy to advise or assist with any step of the process. Telephone: 232-7378 (BDA-PEST) or email: info@pestcontrol.bm.

Home Pest Control: Ants, Rodents, Cockroaches, Bed Bugs & Termites.

Whether it’s a single treatment or scheduled sche eduled maintenance, we’re here to provide you with rovide y peace of mind against pests.

Connect with us today ay for yo your our tailor-made solution. n. pestcontrol.bm | (441) 232-7378

BE BERMUDA ER PEST EST S CONTROL C CONTRO ONTRO O ONTROL NTROL TRO RO

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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 | 52

New Resident 2023

Xxxxxxx Xxxxx PETS

Bermuda’s newest ‘old’ animal care facility

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

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

the latest recommendations for comfort, safety, health and IǽGMIRG] 8LI ERMQEP GIRXVMG design provides a less stressful environment for you and your pets.

While it is fantastic to have a modern veterinary facility, it is XLI WXEǺ XLEX QEOI E LSWTMXEP successful, and Ettrick has the most experienced team of vets and nurses on the Island, providing full service 24 hours a day. All Ettrick’s vets can deal with your routine and emergency needs. After hours, an on-call vet answers the phone so you have medical expertise available immediately to talk you through whatever your pet is experiencing and determine if you need to come in for an emergency visit, surgery or hospitalisation of your pet.

Ettrick is experienced in the relocation of animals to and from the Island and routinely assist owners navigating through the paperwork and requirements needed to travel with animals. A warm welcome awaits at Ettrick.

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New Resident 2023

53

Xxxxxxx Xxxxx PETS

Bringing your pet to Bermuda

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

4RGI ]SY LEZI GSRǻVQIH ]SYV TIX meets the rabies requirements for IRXV] ]SYV LSQI ZIX GER JYPǻPP XLI other requirements with one visit. You [MPP RIIH E ZIXIVMREV] LIEPXL GIVXMǻGEXI 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 GIVXMǻGEXI WLSYPH GSRǻVQ XLI REQI HEXI SJ FMVXL FVIIH description and microchip number of the pet, along with the owner’s name and address. Your vet must apply a tick preventative to your pet and state that they have done so, including naming the medication used, on the health GIVXMǻGEXI Once you have your rabies vaccine TVSSJW ERH LIEPXL GIVXMǻGEXI 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.

óÒ ß°Âª NÈÁ È Ś ¸Çýɺઠɺ ÇÂö ­  ɺÇ¥ɺ àà ÖɺÓ àɺª ¼àªɺ÷­àªɺ Vet Care at Home

Experience a complete veterinary care solution at Endsmeet Your full service animal hospital & rehabilitation center including at home services 441-236-3292, 168 Middle Rd, Devonshire | www.Endsmeet.bm

54

Physiotherapy Rehabilitation / Hydrotherapy Acupuncture / Laser

New Resident 2023

Xxxxxxx Xxxxx PETS

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

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e don’t have any snakes or coyotes in Bermuda, but that doesn’t mean there are no little critters that could harm your pet.

If you walk your dog on a leash on the public beaches, allowed in the winter months, watch out for 5SVXYKYIWI 2ER 4 ;EV E NIPP]ǻWL like ocean creature that often washes ashore. The long tentacles pack a mighty sting and pose a serious threat to people and pets.

If stung your pet may require immediate attention from a vet.

Another small animal to look out for is the Bermuda toad. These can grow quite large and are toxic to dogs. Don’t let your dog pick up a toad with its mouth. Plus certain toads also secrete a deadly toxin through their skin, so just licking or touching a toad could require emergency attention.

Not quite so dangerous, but still to be avoided, are lizards, tree frogs and snails. Sometimes pets can get Liver Fluke from chasing or eating these small creatures.

If your dog is bitten by a mosquito, it may lead to heartworm. Consult with your veterinarian on the best mosquito repellents and heartworm treatments for your pet.

Be especially vigilante that your pet doesn’t chew on certain plants, including Sago palms, which have toxic properties.

Severe liver damage and potentially death can occur. Also Oleander hedges, which may look pretty, but unfortunately are poisonous to many species including cats and dogs.

Finally, our tropical, humid climate can cause ear infections MR ǼSTT] IEVIH HSKW ERH XLSWI 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.

New Resident 2023

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55

Ask About Your Options No matter where you are, early cancer detection can save your life.

Don’t let your regular cancer screenings be forgotten in the move.

Once you’ve found your main physician, talk to your doctor about your referral options for recommended cancer screenings.

For more information about Bermuda’s cancer screening guidelines and available diagnostic services, visit chc.bm

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

HEALTH CARE

Stay Current with Your Screenings

W

hile moving to a new location brings many changes, one thing that remains the same is the importance of early cancer detection for best outcomes. Now that you’re living in Bermuda, it’s important to maintain your regular cancer screenings.

Bermuda’s cancer screening guidelines follow the recommendations of the American Cancer Society due to similarities in our demographics and health statistics. Many screenings require HSGXSV VIJIVVEPW WS MXƶW ZMXEP XS ǻRH a general practitioner as soon as you can. Once you’ve secured a main physician, talk to your doctor about the following recommended prevention vaccines and screenings: • HPV vaccine: recommended for boys and girls between the ages of 9 and 12 • Cervical cancer screening: regular pap screening and annual pelvic exam recommended for women ages 25+ • Breast cancer screening: annual mammogram recommended for women ages 40+ • Prostate cancer screening: annual DREs and PSA if indicated recommended for men ages 50+ New Resident 2023

(45+ if Black or with family history) • Endometrial cancer: information about risks and symptoms to be provided to women at the time of menopause • Lung cancer screening: lowdose CT scan recommended for people between 50 and 80 years old in fairly good health who also currently smoke or have quit smoking in the past 15 years and have at least a 20 pack-year smoking history (for example, 2 packs per day for 10 years or 1 pack per day for 20 years) Bermuda Cancer and Health Centre is one of Bermuda’s oldest RSR TVSǻX SVKERMWEXMSRW ERH LEW been providing cancer care for HIGEHIW .X [EW XLI ǻVWX IRXMX] XS SǺIV QEQQSKVEQW MR 'IVQYHE ERH ǻVWX received international accreditation in 1999. The Canadian Association of Radiologists Mammography Accreditation Program (CAR-MAP) has recently reaccredited their mammography services. In addition to breast diagnostic services using mammography and ultrasound, Bermuda Cancer and Health Centre’s diagnostic imaging department also provides prostate biopsy and bone densitometry.

With the opening of its radiation therapy unit in 2017, Bermuda Cancer and Health Centre became XLI ǻVWX MRXIVREXMSREP &QIVMGER College of Radiology (ACR) accredited radiation therapy facility.

Its radiation therapy alliance with Dana-Farber Brigham Cancer Centre provides local access to internationally renowned medical professionals and a wealth of information about the latest cancer research and techniques.

As a registered charity, Bermuda Cancer and Health Centre subsidises its services with donations from the community.

Donations into the Equal Access Fund enable patients to receive diagnostic services and radiation therapy without a co-pay, regardless of their insurance status.

With the exception of annual mammograms for women ages 40+, EPP WIVZMGIW SǺIVIH F] 'IVQYHE Cancer and Health Centre require a doctor’s referral. Please talk to your doctor about your referral options.

For more information about Bermuda’s cancer screening guidelines and available diagnostic imaging services, please visit chc.bm.

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HEALTH CARE

In Perfect Health

The new $247 million wing at the KEMH

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

Most medical conditions and emergencies can be successfully treated at the KEMH

58

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 is that health care in Bermuda is one of the most expensive in the world. A Bermuda Health Council report shows that among OECD (Organisation for Economic Cooperation and Development) countries, only the United States has a higher cost per capita for health

insurance than Bermuda.

Even though Bermuda is a British Overseas Dependent Territory, it has no equivalent to the United Kingdom’s National Health Service.

Instead, every employee must have health insurance. Employers usually pay 50% of the employee’s health insurance, but some pay more as TEVX SJ XLI FIRIǻXW TEGOEKI .X [SYPH FI HMǽGYPX 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 $1,200 or more per month. However, this is typically (but not always) shared 50/50 with your employer. If you have a spouse and/or children, they can be added to your health plan, for an additional payment.

New Resident 2023

Xxxxxxx HEALTHXxxxx CARE choose the right doctor for you.

A doctor’s visit can run anywhere from $80 to $150, depending upon the physician. If your plan does not cover the total cost of a doctor’s visit, and you are being cost-conscious, the insurer can help you choose one with a lower cost.

It is perfectly acceptable to “shop EVSYRHƹ XS ǻRH SRI XLEX MW EǺSVHEFPI New employees can ask their company’s human resource director what their policy does and does

not cover or to contact your health insurer for that information.

Prescriptions are another add-on cost. Many plans cover up to 80% of the expense for prescriptions, but you can expect to pay something when you see the pharmacist.

Opticians and optometrists operate privately, and there are resident eye surgeons on the island.

Dental care is of a high standard— from orthodontic treatment to routine maintenance and cleaning.

Dental care is of a very high standard

Health plans often include medical, dental, and optical.

You are not free to shop around for your health insurance — you LEZI XS IRVSPP [MXL XLI TPER SǺIVIH by your company. But you are allowed to choose which general practitioner (GP) to see for your health concerns.

The health insurance companies are a good resource in helping New Resident 2023

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Xxxxxxx Xxxxx DINING Eliana’s Restaurant: 106 Southside Road, St. David’s. 7770555. $$$. Bermuda’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.

Fourways Inn 1 Middle Road, Paget. 236-6517. www.fourways. bm. $$$$. Reservations recommended. Smart. The Grande Dame of Bermuda’s restaurants, famous for its celebrity guest list, renowned menus, signature dishes and Bermuda’s most lavish Sunday brunch. Live piano music in the evenings and the most extensive wine cellar on the island.

EATING OUT F

rom English pub grub to French gourmet cuisine – and (almost) everything in between — you can eat very well in Bermuda. And drink well, too — the better restaurants all have truly outstanding wine cellars. As for local delicacies, you must try Bermuda lobster (available only in months in which there is an “R”), or at least our [SVPH JEQSYW ǻWL GLS[HIV $ less than $40 $$ $40 to $50 $$$ $50 to $60 $$$$ $60 to $80 $$$$$ $90 plus

Aurora 27 Harbour Road, Paget (at Newstead hotel) T 441-232-8686 | www.aurora.bm $$$$ Voted ‘Best Seafood Restaurant in Bermuda’ 2 years in a row, Aurora’s seasonal menu features fresh local seafood and produce from Bermuda’s best ǻWLIVQIR ERH JEVQIVW ;I EVI committed to sourcing sustainable ingredients from local suppliers, ocean to table.

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Blû Bar & Grill 25 Belmont Hills Drive, Warwick. 232-2323. www. blu.bm. $$$$. Reservations recommended. Smart casual. Bold American cuisine with generous .XEPMER ERH &WMER MRǼYIRGIW XLEX will satisfy any palette. Overlooks picturesque Hamilton Harbour and the Great Sound.

Café 4 Windsor Place, 18 Queen Street, Hamilton. 295-8444. $. www. cafe4.bm. Stylish and sophisticated take out of organic, local, fresh HMWLIW 4ǺIVW LSQIQEHI FVIEH healthy soups and a make-yourown pasta bar with Keto diet options. Best of Bermuda’s winner of Best Salad Bar. Enjoy the indoor/ outdoor dining facility.

Café Lido Elbow Beach Hotel, Paget.

236-9884. www.lido.bm. $$$$. Award [MRRMRK VIWXEYVERX SǺIVW ER I\GMXMRK menu featuring Mediterranean HMWLIW PSGEP ǻWL ERH ER IRXMGMRK meat selection. Enjoy a gem of a view of the South Shore too.

Harbourfront At the BUEI, 40 Crow Lane, Pembroke. 295-4207. $$$$. www.harbourfront.bm.

Reservations recommended.

QEVX GEWYEP 4ǺIVW E ZEVMIH menu featuring a selection of XLI JVIWLIWX ǻWL ERH WIEJSSH in addition to outstanding meats, fusion dishes created by management and award-winning sushi. Enjoy perfect harbour views.

La Trattoria 23 Washington Lane, Hamilton. 295-1877. $$. www. latrattoria.bm. One of Bermuda’s longest standing restaurants and a favourite of locals and visitors alike. Perfectly placed in the heart of Hamilton, makes it the ideal restaurant for a romantic dinner for two or a gathering with friends. This festive trattoria has the island’s only wood-burning pizza oven as a centerpiece and is recognized as best in Bermuda for their hearty Italian food, and warm, kid-friendly environment, all at an extraordinary value.

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

'IVQYHEƶW ǻVWX ERH QSWX JEQSYW Italian restaurant, celebrating over ǻJX] ]IEVW SJ JEFYPSYW WIVZMGI ǻRI food and meticulously prepared New Resident 2023

DINING BERMUDA L E A D E RS

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

WHY DINE ANYWHERE ELSE? 441-295-8279

|

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

DINING classic and contemporary regional Italian specialties. Enjoy fabulous wine and tasty bites with the incrowd in the adjacent Wine Bar. L’Oriental 32 Bermudiana Road, Hamilton (above Little Venice).

296-4477. www.loriental.bm. $$$.

Reservations recommended.

Smart casual. The only place to get the best Oriental Fusion cuisine, featuring a welcoming Sushi Bar and Bermuda’s only Teppanyaki table. Seating available inside under the exquisite Pagoda or outside under the stars.

L’Oriental Express. We’ve got you covered! L’Oriental Express is in the heartbeat of the urban community, on the corner of Church Street and Par-La-Ville Road. 296-7475. $.

4ǺIVMRK IZIV]XLMRK JVSQ WSYT ERH sushi, to wraps and sandwiches, to amazing salads and daily hot food specials. We have a pasta 'EV TPYW WTIGMEPX] GSǺIIW XIEW and smoothies – the selection is unbeatable.

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Mickey’s Beach Bistro Elbow Beach Hotel, Paget. 236-9884. www.lido.bm. $$$. The only true bistro on the island, right on the WERH 4ǺIVMRK JYR ERH IGPIGXMG menu, loved by visitors and locals.

Pizza House: Southside, St David’s, 293-5700; Shelly Bay, 2938465; Heron Bay, Southampton, 238-2753. Casual. $. Top-quality pizza.

Sea Breeze Lounge Elbow Beach Hotel, Paget. 236-9884. www.lido. bm. $$$. Provides the best spot for an al fresco drink, great sushi and tapas. Live entertainment during the summer months Sul Verde Rosewood Bermuda, Hamilton Parish. 298-6983. www.rosewoodhotels.com. $$$.

Reservations recommended. Sul Verde brings the spirit of Southern Italy to the fairways, celebrating XLI WMQTPI EYXLIRXMG ǼEZSVW SJ Campania in a convivial setting.

Delectable cheeses, pasta, bread,

and sausages are prepared inLSYWI YWMRK XLI ǻRIWX MRKVIHMIRXW Next door, the Bar at Sul Verde SǺIVW E WIPIGXMSR SJ ǻRI .XEPMER wines, as well as refreshing classics from an Aperol spritz to XLI WMKREXYVI 3IKVSRMRE E VMǺ SR the classic negroni.

New Resident 2023