New Resident Guide 2022

2022

Pass me on for a greener Bermuda

Maps | Housing Healthcare | Island Etiquette Cost of Living | Schools Pets | Getting around And much more

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

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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. Joanne Lysack

Dr. Danielle Simons

Dr. Jasmin Caines

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 2022

Island Facts ...........................................5 Island Essentials................................7 Prices......................................................15 Banking.................................................17 Island Etiquette...............................19 Working to rule .............................. 20 2

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 British Ties ..........................................22 US Ties ..................................................23 Property................................................24 Business Map.................................. 30 Festive Hamilton............................32 Transportation..................................34 Boating..................................................37 Covid-19 ...............................................39 School Report ..................................41 Pets ..........................................................49

odd quirks, too. Some, like the two days a year when the island closes down for a cricket match and a party, you will love. Others, such as the 35 kph speed limit, you will learn to appreciate. Workwise, the island moves at the same pace as London and New York. Otherwise it would not have become one of the world’s most important 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.

Healthcare..........................................53 Dining Guide .....................................58 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 2022

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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YOUR HEALTH

FULL-SERVICE PHARMACY

OUR PRIORITY

» Prescriptions & Over-The-Counter Medications » Health & Beauty Aids » Vitamins & Supplements » Dental & Optical Care

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

» 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

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12/8/21 9:11 AM

Whether you need advice on your insurance coverage or on retirement planning, our experienced team will work closely with you to ensure you understand all your options.

For more information on the products and services we offer, call 296-3600 or visit our website at fmgroup.bm

ISLAND STATS

HATCHES, MATCHES AND DISPATCHES Births: .............................................................. 525 Deaths: ........................................................... 535 Marriages: ....................................................386 Divorces: ........................................................123

FACTS AT A GLANCE

SCHOOL REPORT

THE BASICS

Total school enrollment: ...............9,361

Population ............................................ 63,908 Gender ratio ............................52% female Bermuda-born .........................................76% Land area .............................. 20.5 sq miles Length ................................................ 21 miles Greatest width ................................. 2 miles Highest point ...................................259 feet Islands in archipelago.......................... 138 Capital Hamilton, pop ..................... 1,100 Currency ................................................................. ........................Bermuda $, par with US $ Climate ........... sub-tropical, frost-free Farmland (total) ......................... 735 acres

Government schools: ..................... 4,630 Private schools: ................................... 3,107 Bermuda College: .............................1,624

GOVERNMENT REVENUE Payroll tax ...................................................43% Customs duty .......................................... 21% Land tax ..........................................................7% International Company tax ...............6% Other ...............................................................23%

TOURISM (Pre Covid-19) Total visitors .................................... 766,226 Air visitors ...........................................281,667 Cruise visitors ..................................484,339 Peak month July .................................(16%) 80% of visitors from USA

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

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

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

ECONOMIC INDICATORS GDP (market prices) ...................... $6.104 (YVVIRX MRǼEXMSR VEXI IWX ...........2.20% New Resident 2022

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

THE WORKPLACE Total workforce ............................ 34,378 Proportion of jobs held by Bermudians ................................. 72% Expatriates ................................... 28% Trade union membership ..........8,152 Avg employment income (est) ..............................................................$93,713 Median household income (est) ...........................................................$103,657 Average hours worked per week 36 Unemployment (estimated) .......... 7%

ON THE ROAD Private cars (maximum of one per household) ............................. 22,238 Motorcycles & mopeds ............ 17,857 Taxis ........................................................... 573 Buses, trucks, others ................... 4,209

POLITICS 2020 general election turnout .60% Progressive Labour Party .. 30 seats One Bermuda Alliance ...........6 seats Next general election: before October 2025 From Bermuda Tourism Authority. Bermuda Government Department of Statistics.

5

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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.

2IQFIVW SJ XLI -SYWI SJ &WWIQFP] TSWI JSV ER SǽGMEP TLSXSKVETL

New Resident 2022

ISLAND ESSENTIALS

The island has its own currency, the Bermuda dollar, which is ‘pegged’ to the US dollar — one Bermuda dollar equals one US dollar. American money is accepted everywhere. Nearly all ATM’s dispense Bermuda dollars but there are a few that provide US dollars – including several in the departure lounge at the airport. Major credit and debit cards are accepted island-wide.

Unlike some of the islands to our south, we don’t have hundreds of banks registered here. There are only a few, with names probably unfamiliar to you (with the notable exception of HSBC). All of them 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.

7

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.

8

GETTING OFF THE ROCK Bermuda is a small place with limited diversions, which is why Bermudians are so well travelled. They’re always taking short trips to ƵKIX SǺ XLI VSGOƶ ;MXL GEVIJYP planning of your budget, you can too, because despite our relative isolation, we’re remarkably well connected by air to the US, Canada and the UK. Our international airport was closed from mid-March 2020 until early July 2020 in order to restrict travellers with Covid-19 from entering the island, and airlines have been slow to reinstate their VIKYPEVP] WGLIHYPIH ǼMKLXW But we’re still being well served and during 2022, you can anticipate the resumption of regular (mostly daily) nonWXST ǼMKLXW VMKLX YT ERH HS[R the East Coast, including Miami, Atlanta, Philadelphia, Washington, New Jersey, New York, Boston and Toronto. British Airways has a dedicated service between Bermuda and Heathrow. For an up to date PMWXMRK SJ EPP ǼMKLXW XS ERH from Bermuda visit [[[ 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 2022

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 2022

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.

9

ISLAND ESSENTIALS

Super-speedy Internet

B

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

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

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

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

Dress Code

S

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

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

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

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

A drive like no other. The all new Hyundai KONA sports a youthful, playful design and delivers one of the best all-electric ranges of up to 484km.

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Auto Solutions 61 St. John’s Road, Pembroke, HM 04 279-5050 | www.autosolutions.bm

10

New Resident 2022

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.

Michael Douglas

Michael Bloomberg

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

Alexander and Andrew Green

Stay S ttay 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 nat tern atio tionall s shipping hi hip ppiing 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 Forw rward rdin ng

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PEOPLE 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 club, Manchester United. He was Manchester City’s Shaun Goater 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 Flora )YǺ] GVSWWIH XLI ǻRMWL line of the triathlon one minute ahead of her competition, WIGYVMRK XLI ǻVWX IZIV Olympic gold medal

+PSVE )YǺ]

for 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 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.

We offer a comprehensive relocation service that allows you to hit the ground running.

As your relocation partner, we make it simple, affordable, and seamless. Choose from basic support or a fully customized ‘done for you’ service, and we’ll get to work. Either way, you’ll rest easy knowing you’re in good hands.

Ph. +1 441-535-2769 info@softlanding.bm www.softlanding.bm

12

BEAUTY

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

P

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

Worry no more. The experts at Headway Salon and Day Spa will keep you looking good and feeling great. Friendly and inviting, Headway is right in the center of the city — just a few minutes walk JVSQ EPP SJ -EQMPXSRƶW QENSV SǽGIW Headway is for ladies, gentlemen and children. Its stylists can ensure your existing style is maintained to perfection, or suggest something new for your island lifestyle.

8LI HE] WTE SǺIVW E [SVPH 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

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13

Money Matters

&ǺSVHMRK 8LI Bermuda Lifestyle

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

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14

L

iving on an island in the middle of the Atlantic Ocean means things inevitably will be more expensive than you might be used to. But the lifestyle you’ll enjoy here, more than makes up for the high prices.

It is a great place to bring up small children but there is a price to pay for kids.

You have the choice here of putting him or her through the free Government education system, from which many Bermudians and others have gone on to great careers. But the truth is that, given the choice, most parents here would opt for private education.

A private education will cost up to about $23,000 a year. Add another $2,000 to $4,000 for uniform, books, after-school care and other schoolrelated expenses.

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

The good news for homeseekers is that rents being asked by landlords have declined between

20% and 30% over the past few years, and there is a surplus of apartments and houses on the market now.

The more bedrooms you require, the more you obviously will pay.

Everything is subjective but an ‘okay’ two bedroom, one bathroom apartment in an ‘okay’ area within 20 minutes of Hamilton will likely not be less than $3,000 a month.

Prices vary widely, and sometimes you can be lucky.

Grocery prices can be a bit of a WLSGO EX ǻVWX II SYV WLSTTMRK PMWX on page 15 for a clearer picture of particular items. Per month, you may need up to $600 per person to cover individual and household needs, so $2,400 a month for a family of four.

As for utilities, that same family might pay $600 a month on electricity in the winter and double that in the summer if they use airconditioning.

A modest used car that will get you around safely and reliably for three years could be as little as $12,000 while fuel, maintenance, insurance and fees might amount to $200 a month.

New Resident 2022

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

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

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

7E^SVW ,MPPIXXI ǻZI TEGO ......$16.45

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

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

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

CARS

Shirt (men’s) ............................. $30–$125 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 2022

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

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

FOOD 2MPO KEPPSR ..............................$5.59 Bread (sliced wholewheat loaf) ................................................................... $6.85 Butter (1lb) ........................................ $8.99 Cheddar cheese (1lb) ..............$7.99 Brie (8oz) ........................................... $8.49 Parmigiano Regiano (per lb) ................................................................ $26.99 Bermuda eggs (1 doz, lge) .... $5.19 Tea bags (25 Twinings) .............. $4.15 Bacon (1lb, Oscar Meyer) .......$8.59 (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

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

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

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

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

BANKING

+YPP IVZMGI 'EROMRK MR 'IVQYHE

A

s one would expect of a PIEHMRK MRXIVREXMSREP ǻRERGMEP centre, Bermuda has a highly sophisticated and well-respected banking industry. That’s good news, because once you have relocated to Bermuda, you will need a local bank account to 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 2022

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.

17

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 SJ ]SYV PMJI

Y

SY HSRƶX PMZI ER SVHMREV] PMJI WS [L] WIXXPI JSV ER SVHMREV] FERO - '( 5VIQMIV SǺIVW FSXL PSGEP ERH KPSFEP FIRIǻXW HIWMKRIH JSV GPMIRXW PMOI ]SY 4TIR E TVIQMYQ EGGSYRX XSHE] [MXL SRI of the world’s leading International FEROW HSBC Premier is the perfect GLSMGI JSV GPMIRXW RIIHMRK TVMSVMX] WIVZMGIW ǼI\MFMPMX] ERH [SVPH[MHI WYTTSVX 5VIQMIV GPMIRXW IRNS] VIHYGIH JIIW ERH TVIJIVIRXMEP VEXIW SR E ZEVMIX] SJ TVSHYGXW ERH 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 IQIVKIRG] GEWL SJ YT XS MR PSGEP GYVVIRG] EX - '( 5VIQMIV (IRXVIW ERH - '( FVERGLIW ;MXL - '( 5VIQMIV MX W IEW] XS QEREKI ]SYV LSQI ERH SZIVWIEW EGGSYRXW XSKIXLIV ;MXL - '(ƶW ,PSFEP :MI[ ]SY GER ZMI[ EPP ]SYV IPMKMFPI EGGSYRXW JVSQ SXLIV countries in one place and with ,PSFEP 8VERWJIVW ]SY GER MRWXERXP] QSZI QSRI] EGVSWW FSVHIVW FIX[IIR ]SYV TIVWSREP IPMKMFPI EGGSYRXW [MXL RS [MVI JIIW Get tailored advice from someone [LS ORS[W ]SY & HIHMGEXIH Premier Relationship Manager will KIX XS ORS[ ]SY ERH ]SYV RIIHW TVSZMHMRK ǻRERGMEP TPERRMRK WIVZMGIW =SYV JEQMP] MW 5VIQMIV XSS EW ]SYV I\GPYWMZI 5VIQMIV FIRIǻXW and privileges can be extended to ]SYV WTSYWI ERH GLMPHVIR YT XS EKI MRGPYHMRK VI[EVHW SǺIVW ERH TEVXRIVWLMTW

5VIQMIV (EVH 'IRIǻXW 5VIQMIV GYWXSQIVW EVI SǺIVIH 'IVQYHEƶW SRP] ERRYEP JII JVII credit cards—the HSBC Premier Bermudacard for local use or the 18

HSBC Premier Mastercard for [SVPH[MHI YWI ERH IEVR \ VI[EVH points on local, overseas and online WTIRHMRK )MXGL XLI VIWXVMGXMSRW SJ X]TMGEP EMVPMRI VI[EVH GEVHW 9WMRK ]SYV VI[EVH TSMRXW GLSSWI JVSQ ER] EMVPMRI ER] LSXIPƴER]XMQI [MXL RS FPEGOSYX HEXIWƴERH IRNS] HMWGSYRXIH EMVTSVX PSYRKI EGGIWW 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 MRXIVREXMSREP XVERWEGXMSR JIIW .X earns the highest reward points at HSYFPI ZEPYI \ JSV IZIV] HSPPEV XLEX ]SY WTIRH SR TYVGLEWIW IREFPMRK ]SY XS IEVR VI[EVHW JEWXIV The HSBC Premier Visa Platinum HIFMX GEVH SǺIVW EHHMXMSREP FIRIǻXW such as Visa Concierge, Visa 1Y\YV] -SXIP (SPPIGXMSR EW [IPP EW TVMGI ERH TYVGLEWI TVSXIGXMSR &PP HSBC debit and credit card users are given automatic access to the RI[ -SQI &[E] HMWGSYRXW [MXL Premier customers gaining exclusive TVMZMPIKIW )MWGSYRXW EVI SǺIVIH SR purchases related to the following six categories: travel, shopping, dining, wellbeing, education, and I\TIVMIRGIW

5VIQMIV ;IEPXL ERH .RZIWXQIRX SPYXMSRW ,VS[MRK ]SYV [IEPXL ERH QIIXMRK future goals takes more than just LEVH [SVO .X EPWS XEOIW TPERRMRK HSBC provides a dedicated Relationship Manager to customise E ǻRERGMEP TPER JSV ]SY ERH ]SYV JEQMP] XLEX PIZIVEKI SYV KPSFEP RIX[SVO SJ MRZIWXQIRX I\TIVXMWI =SY QE] EPWS [MWL XS XV] SYV HSBC savings calculators - Grow Your Wealth | Education Planning | Retirement Planning to see how ]SY GER XEOI WXITW XS VIEGL ]SYV KSEPW 8LI] EVI WMQTPI XS YWI ERH under¬stand no matter where ]SY QE] FI SR ]SYV MRZIWXQIRX NSYVRI] For more experienced investors, we also feature our full range of JYRHW -EZI E PSSO EX SYV .RZIWXSV 7IWSYVGIW For more information about LS[ ]SY ERH ]SYV JEQMP] GER experience the ultimate in Premier FEROMRK GSRXEGX SV ZMWMX [[[ LWFG FQ TVIQMIV .WWYIH F] - '( 'ERO 'IVQYHE 1MQMXIH SJ +VSRX XVIIX -EQMPXSR 'IVQYHE which is licensed to conduct Banking and .RZIWXQIRX 'YWMRIWW F] XLI 'IVQYHE 2SRIXEV] &YXLSVMX]

New Resident 2022

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 New Resident 2022

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.

19

IMMIGRATION

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

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 your ability to support them.

20

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 to stay in Bermuda. For example, a New Resident 2022

IMMIGRATION 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 six QSRXLW SJ XLI ǻVWX TIVQMX FIMRK granted. There are similar processes for new companies that are not in 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

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Visa, Passport, Work Permit and Immigration Services

Patricia Darrell

Lani Isip

Washington Mall (Balcony level) 22 Church Street. Hamilton HM 12 Tel: 441 543-9777 or 441 543-9778 Email: globalconsultantsbermuda@gmail.com 21

BERMUDA AND THE UK

4YV WXVSRK XMIW

with Britain

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

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

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

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

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

22

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

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

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

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

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

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

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

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

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

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

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

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

New Resident 2022

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 2022

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).

23

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

24

work or the need to be called in at odd hours, you will want to live relatively near to your place of employment.

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

Rental units in the central parishes of Devonshire, Paget, Warwick, Pembroke and Smith’s tend to be pricier. However, as you will quickly learn, nowhere in Bermuda is very far from anywhere else and Hamilton can be reached by road from either end of the island in not much more than 30 minutes. There’s also a good ferry service for commuters from the west end. There is lower demand in east and west ends of the island, [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 well-appointed 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 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 New Resident 2022

PROPERTY 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.

$.)1&-/&0-,!1.)1.'0*(1#/-1 /- 1&0- .,1$/('0-)1*+'1 +/+ 0- %'.*+)1 $/1 /%('1 (. 01,$01#(0 . .(.,!1/#1/ +.+ 1*1 (% %-./%)1$/ 01*+'1"-0*,.+ 1 *''.,./+*(1-0 0+%01/&,./+)1 ,$-/% $1,$01$/,0(1)0- ."0)1 /##0-0'1*,1 %-*

$01 -/&0-,!1 -/%&1 ,' )&0".*(. 0)1.+1#.+'.+ 1,$01 &0-#0",1$/ 01#/-1/%-1"(.0+,) 1 0 -.+ 1&*))./+1*+'1'0'."*,./+1,/ 0 0-!1*)&0",1/#1/%-1 %).+0)) /+,*",1 *((!*++1 ,-*,,/+1 1 1 *.( 1)*((!*++ ,& &-/&0-,! -/%& "/

25

PROPERTY

Your Piece Of The Rock

H 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 26

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.

New Resident 2022

WORKING REMOTELY

Remote Work From Bermuda 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 with a legitimate ǻVQ SV ]SYV S[R GSQTER] VIKMWXIVIH and operating outside of Bermuda; in the case of a student you must provide evidence of enrolment in a research, undergraduate, graduate or doctorate programme.

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

If you have all the documentation ready, it should only take 15 minutes.

Pay the $263 application fee. ;EMX RS QSVI XLER ǻZI FYWMRIWW days for an answer. Once issued, the GIVXMǻGEXI MW ZEPMH JSV SRI ]IEV ERH if you don’t want to leave, you can renew it.

What is the COVID-19 Risk in Bermuda?

At the time of writing, Bermuda MW GPEWWMǻIH EW ƸZIV] PS[ VMWOƹ JSV COVID-19 by the United States Centres for Disease Control and Prevention (CDC), and has implemented a COVID-19 testing regime considered among the most stringent in the world. You can therefore enjoy many activities not necessarily possible elsewhere, however there are certain restrictions and rules in place designed to prevent the spread of the virus and New Resident 2022

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

keep all island residents safe.

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

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

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

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

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.

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

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.

27

WORK FROM BERMUDA

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

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

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

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

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

PP ETTP] FYX . HSR X XLMRO .

PP KIX MX FIGEYWI .

S[R Q] FYWMRIWW .

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

PP KS XS 'IVQYHE and check it out. Ƹ&RH XLIR . KIX LIVI ERH MX W WS easy, the process was way too 28

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

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

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

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

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

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

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

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

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

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

New Resident 2022

WORK FROM BERMUDA

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

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

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

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

“We were in Canada for almost New Resident 2022

nine months and there was a GSRGIVR FIGEYWI .

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

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

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

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

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

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

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

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

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

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

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

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

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

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

29

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

3 4 42 3 12 38 32 15 7 34 33

Bermuda Tourism Authority Bermuda Underwater Exploration Institute Bermuda Waterworks Bermuda Veterinary Services BF&M BHS Bus Terminal Butterfield Head Office Café 4 Chubb

26 39 41 48 2 5 27 30 18 11

City Hall Corporate Concierge Eurocar Ltd Fast Forward Freight Ferry Terminal Freisenbruch-Meyer Group Gov’t Information Services Gov’t Offices including Immigration Hamma Galleries Harbourfront Restaurant

23 22 6 51 14 31 37 36 50 43

6

4

19

5

7

8

9 10 16 11

12

15 14 30

13

New Resident 2020

38

39

40

41

42

43

44

45

46

47

48

49

50

51

25 44 29 2 0, 45 28 16 10 9 8 , 40 1

Headway Hair & Body H.M. Customs HSBC Head Office Island Health Services La Trattoria Library Little Venice Restaurant L’Oriental Restaurant L’Oriental Express Marine Locker

Mount Saint Agnes Academy (MSA) Offshore Yachting & Maintenance Opposition Leader Phoenix Stores Post Office Premier & Cabinet Office PwC Royal Bermuda Yacht Club Saltus Grammar School

21 49 47 17 35 46 24 13 19

9

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New Resident 2020

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FESTIVE CITY

-ETTIRMRK -EQMPXSR 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

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 15,2022 An important day in the Christian calendar. In Bermuda this is also E HE] JSV OMXI Ǽ]MRK ERH IEXMRK GSHǻWL GEOIW ERH LSX GVSWW buns.

BERMUDA DAY May 27, 2022 8LI SǽGMEP WXEVX SJ XLI Bermudian summer. There is also a half-marathon running VEGI ǻXXIH HMRKL] VEGMRK ERH E carnival–like parade through the streets of Hamilton.

32

3&8.43&1 -*74* )&= June 20, 2022 Celebrating local heroes and heroines.

CUP MATCH July 28 and 29, 2022 The island stops for a two-day cricket match. Thousands gather to watch the game, eat, drink, socialise and try their luck at Crown and Anchor gaming tables.

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

anywhere else.

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

Here are just a few of the highlights. For full details visit: www.cityofhamilton.bm 7*2*2'7&3(* )&= 3SZIQFIV A special service takes place at the Cenotaph on Front Street in the morning.

CHRISTMAS DAY )IGIQFIV Bermudians celebrate Christmas in a big way with a family feast of turkey.

'4<.3, )&= )IGIQFIV Many families throw their homes open to family and friends for a ‘stop by’ and of course food and refreshments. The gombeys will also be out, so listen for the beat of that drum.

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

New Resident 2022

FESTIVE CITY 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 be transformed into an experiential drivethrough 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.

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.

It's your City. Get connected.

NEWS

RFP

33

TRANSPORTATION

,IXXMRK SR XLI VSEH 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 and only 5 or 10 minutes when you live in Pembroke, Paget, or

34

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 $44,950. An excellent low-cost electric vehicle is the EV1 from ECO Bermuda priced at $21,499. Auto Solutions has a wide range of cars to choose from such as the Hyundai KONA Electric, $45,995, the Suzuki Swift, $29,495, 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 PMOIP] FI ǻPPMRK YT MRJVIUYIRXP] due to the short distances driven.

Insurance is reasonable, and, because it’s unlikely that you will be clocking up high mileage, maintenance and repairs should be minimal.

Due to our narrow roads, the size of private cars allowed in Bermuda is strictly controlled with a maximum length of 175 inches and maximum width of 71 inches.

Engine size is also restricted to a maximum of 2,500 cubic centimeters.

As mentioned earlier, cars are restricted to one per household; otherwise, our roads would become far too crowded. When looking to rent a property, ensure it has an annual rental value (ARV) number available to you in order to register a vehicle. There is no restriction on the number of motorbikes or scooters you 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 2022

2021/22 RENAULT VEHICLE RANGE CAPTUR

CLIO

E-TECH Hybrid Class ‘E’

E-TECH PLUG-IN HYBRID Class ‘G’

ARRIVING SOON

ARRIVING SOON

KWID TCD ‘C’ Class

KIGER Class ’E’

TRIBER (7 SEATS)

Class ‘E’

NEW FOR 2022

RENAULT Z.E. ELECTRIC VEHICLES

ZOE Class ‘E’

KANGOO Z.E. 33 Class ‘IN’

TWIZY Class ‘A’ 2 Woodlands Road, Pembroke Monday-Friday 8am-5pm Saturday 10am-1pm Tel: 292-3240 Email: sales@eurocar.bm

www.renault-bm.com Some features shown may not be available.

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

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BOATING

Boater’s Paradise

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here isn’t much watersportswise that you can’t do here.

The waters could hardly be clearer or warmer, and the winds could not be more favourable for sailing.

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 several reputable boat dealers on the island, including Marine Locker (www.marinelocker. com) and A&P Marine (www. apmarine.bm) who can help you with the process of choosing a boat 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.

Another option is Island Boat Club’s membership programme, designed to give you access to luxury vessels without the responsibility of upkeep. They will also provide on-water training: www.islandboatclub.bm If you want to meet like-minded boaters, consider joining a club.

• The Royal Bermuda Yacht Club: www.rbyc.bm • 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 • Bermuda Anglers Club: www. bermudaanglersclub.com.

Marine and Ports is responsible for monitoring recreational boat XVEǽG ERH QEREKIW FSEX ERH mooring registrations: www.gov. bm/department/marine-and-ports 4RI ǻREP [SVH ;LIR ]SY EVI SR the water, please help us to protect and preserve our environment.

New Resident 2022

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37

INSIGHT

Fake expectations?

Much of what you’ve heard about Bermuda, the bad as well as the too-good-to-be-true, is probably wrong. New Resident attempts to redress the balance Myth #1 BERMUDA’S A BAD MOVE FOR YOUR CAREER Incongruously, Hamilton (daytime population: 14,000 or so) ranks right up there with New York and London in the insurance industry and its 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 38

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

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.

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.

New Resident 2022

HEALTH CARE

COVID-19 and Bermuda O 5EWX TVIWIRX ERH JYXYVI -S[ XLI TERHIQMG MW EǺIGXMRK XLI MWPERH

R 2EVGL XLI ǻVWX X[S positive cases in Bermuda of COVID-19 were reported EW GSQMRK MR SR ǼMKLXW JVSQ 2MEQM and London. Two days later L.F. Wade International Airport closed XS VIKYPEV GSQQIVGMEP EMVPMRI XVEǽG followed quickly by a Government order to close some businesses and restrict large group gatherings.

By April 4th, 2020, the island was in a full lockdown with an 8pm to 6am curfew.

The lockdown continued until May 2nd.

'IVQYHE VIGSVHIH MXW ǻVWX X[S deaths from COVID-19 on April 6th 2020.

The island slowly opened up during May, but it wasn’t until July 2nd 2020 that the airport re-opened JSV GSQQIVGMEP XVEǽG [MXL XIWXMRK and quarantine restrictions for arriving passengers.

Vaccines, provided free by the UK Government, became available in January 2021 (and continue to be readily available, including booster shots). However, further waves occurred in April 2021, when the island was placed in another lockdown for three weeks, and September 2021, to which the Government responded by introducing another curfew and restrictions on most public indoor activities such as dining.

The situation changes almost daily, but at the time of publication, January 2022, here’s what you need to know about COVID-19 and Bermuda.

Bermuda has recorded 106 deaths and close to 6,000 cases — that’s about 10% of the population.

A little more than 70% of the population has been vaccinated.

Some events require a Government issued SafeKey, a QR code issued to those with a negative Covid test result and those who are fully vaccinated. Mask wearing is mandatory in almost all public New Resident 2022

indoor areas, such as shops and to enter restaurants. A useful website for latest updates and restrictions is: www.gov.bm/coronavirus Before the pandemic, the island was extremely well served with RSR WXST HEMP] EMVPMRI ǼMKLXW XS WM\ US cities, Toronto, Canada and London, England. Although airline schedules have remained steady for the past year, the frequency SJ ǼMKLXW ERH XLI RYQFIV SJ GMXMIW served has not yet returned to pre-pandemic levels. The forces SJ GEYWI ERH IǺIGX GSQI MR XS play here, as the number of air visitors to Bermuda has fallen from E TVI TERHIQMG ǻKYVI SJ EVSYRH 280,000 to only 50,000 in 2021.

Business visitors to the island have fallen 80% and whereas we used to welcome 480,000 cruise ship visitors each year, less than 3,000 came in 2021.

At the moment, you need a Travel Authorisation to enter Bermuda.

You will also have to have a negative Covid-19 test prior to arriving on the island, you will be tested on arrival at the airport and be required to take further tests four and 10 days after arrival. To learn more about the current requirements, COVID testing and quarantine, go to: www. gov.bm/applying-bermuda-travelauthorisation Countries around the world have a range of travel restrictions and testing requirements due to COVID-19, but it’s worth mentioning that to enter the U.S. you must provide a negative COVID-19 test and if you’re not a US Citizen, you also must be fully vaccinated, otherwise you will not be allowed

on the plane departing Bermuda.

Most of the world’s experts agree that COVID-19 is here to stay for the foreseeable future, but what does that mean for Bermuda?

Some are suggesting that COVID-19 will have to be accepted and dealt with as an endemic HMWIEWI MR XLI WEQI [E] XLEX ǼY occurs every year on the Island.

Former government chief medical SǽGIV (LIV]P 5IIO 'EPP WE]W XLEX LMWXSVMGEPP] XLI ǼY OMPPW TISTPI every year here, and that similarly Bermuda could see deaths during what could be described as “COVID season” without any additional restrictions such as lockdowns.

8LI GYVVIRX GLMIJ QIHMGEP SǽGIV Dr. Ayoola Oyinloye, told New Resident Guide “We are living with the worst pandemic in 100 years, and at this time, we cannot predict when it will end. Many experts feel that this will eventually become endemic and will be similar to WIEWSREP MRǼYIR^E An endemic disease is limited by geography, is predictable, and can often be managed.

For example, malaria is endemic in parts of sub-Sahara Africa.

The vaccine is the most IǺIGXMZI QIERW SJ VIHYGMRK XLI spread of the coronavirus and living with this pandemic.”

Kim Wilson, minister for health, has stated that, unfortunately, it looks like COVID-19 will be a permanent problem for the Island. “The science and the evidence suggests that, perhaps, in three years time the pandemic will shift to an epidemic mode, and it may become a seasonal MWWYI PMOI XLI ǼY ƹ 39

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 2022

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.

41

SCHOOL REPORT

Personalised

1IEVRMRK

S

tudents who have languageFEWIH PIEVRMRK HMǺIVIRGIW such as dyslexia and ADHD, often struggle in traditional schools.

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

WTIGMǻGEPP] JSV GLMPHVIR [LS PIEVR HMǺIVIRXP] .XW GSRXMRYEPP] VIWIEVGLIW and applies evidence-based ‘best-

" #'$( "& ( '%#$"$ (!#(%&&'$&"!$( " ' (%#'(% ( %#&(% (& '"#( ''# (%$ (((( %$(% "' '(%&( " ( ' ' ( &(&!!(! &'$((( %#'( " $ '# &!! (% ( % (!#( $"$&' " '$& ( "& ! &(& '(#" &(% % ' " ( !#(' !&"!$% ( !#& (& ' (%#'( !#'(((( " ' (& %$(& '"#( ''# (&!(#' '%&(%( #% ' ( ' ' ! ( ! ( ' ' &'' (%$ ( ! '("$&'#' &("$( !! ((

(" (& '( "# &(%$ ( ##'$& (& '(!$ ((( !! ("$( '# %(& %&( #! " ' (%( '# !$% " ' ( '%#$"$ ( %$( !#( & '$& ((( !( % '(%( '%#$"$ ( " '#'$ ' ((

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teaching’ practices and understands XLEX XIEGLIV IǺIGXMZIRIWW XMIW directly to student learning. Small class sizes led by master teachers with a nurturing approach, has a positive impact for students’ selfGSRǻHIRGI ƴ QEOMRK E LYKI HMǺIVIRGI JSV XLIQ ERH XLIMV JEQMPMIW Each student has a personalised learning plan which includes goals to meet their academic and social and emotional growth. Teachers continually track student progress, which allows them to move year levels throughout the school year.

In addition to personalised learning plans, daily physical education classes, brain-breaks, mindfulness exercises and specialist therapeutic interventions are provided during the school day as part of BCCL’s wraparound support.

BCCL follows the UK National Curriculum, the International Primary Years Curriculum (IPC) and the International Middle Years Curriculum (IMYC). The IPC and IMYC integrate core subjects through project-based learning, allowing students to learn multiple subject areas through thematic units in a cross-curricular approach. It is located in the City of Hamilton, within walking distance to local parks, businesses, bus transportation and the Bermuda Sea Express Ferry Service, making access to St. George’s and Royal Naval Dockyard historic sites possible. BCCL has rolling admission for children ages 6 to 15 and invites prospective students to spend an Experience Week with 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.

New Resident 2022

SCHOOL REPORT

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

M

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

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

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

Inspired by the concept that all

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

The school campus is conveniently located within the City

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

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

Collaborative Learning.

Individual Development.

Every child is unique, with different interests and strengths. From our Early Years Program to Grade 12, MSA respects and nurtures the whole child, offering a multifaceted, collaborative approach to education.

Learn more about our school community at msa.bm

Kagan Cooperative Learning | Reggio Emilia | Alberta Curriculum

43

SCHOOL REPORT

Academic achievement and international opportunities

B

HS is an independent, International Baccalaureate and Round Square School for students from the Early Years Programme (EYP) through to Y13.

BHS is all-girls’ from ages 4-16, and GS IHYGEXMSREP MR XLI ǻREP X[S ]IEVW of the IB Diploma programme. The School’s mission is to cultivate a dynamic and inclusive learning environment that fosters intellectual curiosity, community consciousness and resilient independence. At BHS, girls and young

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

SCAN HERE FOR A VIRTUAL TOUR OF OUR STATEOF-THE-ART INNOVATION CENTRE ALL GIRLS EYP THROUGH Y 11

44

I

CO-ED IB

I

441-278-3047

I

WWW.BHS.BM

women are empowered to develop their individual potential and step into the world boldly, responsibly and joyfully.

Set in the heart of Hamilton, the BHS campus is a place where students acquire critical and creative thinking and dynamic problemsolving skills in an inspirational learning environment. The state-ofthe-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. Through their Global Round Square membership, students have the opportunity to travel around the world on exchanges, conferences, service projects and cultural trips, where they broaden their world-view 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 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: the high level of academic achievement, the international opportunities, the warm and nurturing environment and SYV LETT] GSRǻHIRX WXYHIRXW ƹ As a school dedicated to the education and empowerment of girls for over 125 years, BHS believes that when girls are given the resources, support and encouragement they deserve, they can achieve anything.

BHS provides an environment where girls and young women take centre stage and learn to use their voice GSRǻHIRXP] ERH [MXL TYVTSWI of BHS graduates go on to tertiary education and join a close-knit Alumni community around the world.

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

Tel: 295-6153 New Resident 2022

SCHOOL REPORT

Warwick Academy: Where history and innovation collide

W

hilst Warwick Academy is 360 years old and the oldest continuously operating school in the Western Hemisphere it remains a beacon of educational innovation in Bermuda.

Having hundreds of years of history and tradition by no means implies the school is old fashioned or stuck in their ways.

The school prides itself on EYXLIRXMG TEWXSVEP GEVI ǼI\MFPI curriculum pathways and a ZMFVERX co-curricular program to develop the holistic child. What follows is a snap shot of recent innovation in action.

• Several unique academic pathways available, which allow for E ǼI\MFPI EGEHIQMG ETTVSEGL 8LI IB Career-Related Programme (IBCP) MRGSVTSVEXMRK '8*( RSR I\EQMREXMSR vocational subjects, and the Accelerated Science pathway in Year SǺIVMRK E FVSEHIV ERH JEWXIV TEGIH journey through Physics, Chemistry ERH 'MSPSK] EVI X[S I\EQTPIW • Individualising the University/ College and career decision-making process [MXL E XIEQ SJ WXEǺ XS JSGYW on each jurisdiction resulting in an MRGVIHMFP] WYGGIWWJYP ǻVWX GLSMGI acceptance rate of 98%.

• Activity afternoons built in the school day encouraging aerobic activities and building relationships [MXL WXEǺ WXYHIRXW ERH XLIMV TIIVW 4ZIV HMǺIVIRX EGXMZMXMIW EVI SR SǺIV JVSQ YWXEMREFPI ,EVHIRMRK XS Kayaking to Football.

• A Learning Enrichment Programme and facilities to support learning needs for all.

• A whole school approach to supporting WXYHIRX [IPPFIMRK through re-structuring counselling services, initiating school focused mental health research, using social and emotional learning technology to keep connected with students, and ensuring accurate child safeguarding policies in place.

• Science developments include building a Marine Science Facility making use of the schools waterfront property; the 3EXYVEP -MWXSV] (PYF and their composting and sustainable gardening initiatives; STEAM curriculum changes with Year 9 students studying Bio-Chemistry and Physical Science (Engineering).

• A sports science course added to New Resident 2022

Year 9.

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

• As a TVMZEXI WGLSSP [MXL E TYFPMG purpose cultivating community partnerships with clubs. Warwick Archers Football Club, Warwick Academy Cricket Club, Sharks Swim Club and Mariners Rugby Club.

• Covid forced innovation with

the use of Microsoft Teams, a Brick2Click laptop initiative to allow for movement between home and School.

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

45

SCHOOL REPORT

'YMPHMRK 1MZIW JSV *XIVRMX]

B

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

46

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

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

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

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

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

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

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

Our mission is to encourage every student who enters our gates to develop a personal relationship with God, challenge them to academic, physical and social excellence, thus equip them for Heaven, service to God and their fellow men. www.bermudainstitute.bm New Resident 2022

SCHOOL REPORT

5VITEVMRK XLI LIEH LERHW and heart of each learner

S

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

The school was originally known as the Montessori International Academy 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, Upper Primary and Secondary. At the Montessori levels (ages 3- 9), the student to teacher ratio is very small — 12:1 — providing one of the most personalised learning experiences of any school on the island.

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

Visitors to the school remark on the warm, inviting, family atmosphere and the vibrant sense of energy and innovation that GLEVEGXIVMWIW XLI SQIVWǻIPH experience. The campus is beautifully landscaped and has seen extensive improvements recently, including a fresh 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 2022

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”

47

SCHOOLS

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

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www.BUEI.bm Ɵƨƫ ƨƩƞƫƚƭƢƧƠ ơƨƮƫƬ @thebuei

and more information!

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.

To find out if there is a pipeline supply in your area visit www.bwl.bm.

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)

48

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

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

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

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

Many people from overseas plump for private schools here. The fees can reach up to $25,000 a year. There EVI WGLSSPW KIEVIH WTIGMǻGEPP] FYX not exclusively) for Catholics and Seventh-Day Adventists, as well as Montessori and special learning schools.

The school year lasts close to 40 weeks, from early September to late June, with Christmas (two weeks), Easter (two weeks) and summer (10 weeks) breaks. Children must wear uniform.

If you are considering one of the Government schools, it is wise to contact the Ministry of Education, Tel: 441-278-3300.

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

New Resident 2022

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 | 49

PETS

Bermuda’s newest ‘old’ animal care facility

E

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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50

PETS

'VMRKMRK ]SYV TIX XS 'IVQYHE

T

ravelling to Bermuda with your canine or feline companion requires a bit of planning but is quite an easy process if you get started early enough.

Bermuda currently enjoys status as a rabies free jurisdiction. As such, the import regulations for companion animals are set up to maintain this status, and obtaining an import permit from the Bermuda Government Department of Environment and Natural Resources is required.

Firstly, your pet must be implanted with a microchip that can be read by any standard microchip reader. This is usually done at a very early age but can be done by your vet at any age.

Your pet must have an ID chip for entry.

If you are arriving directly from the United Kingdom, Australia, New Zealand or Jamaica, your pet is permitted to enter without having any rabies vaccinations. For those travelling from the US, Canada or other countries where rabies is present, your pet must have been rabies vaccinated. To enter Bermuda, your pet has to have received two rabies vaccinations. There must be at least a six-month interval between the rabies vaccinations with the most recent one being given at least thirty days before arrival. This means that if your pet has never had a rabies vaccine, it will take a minimum of seven months prior to travel for them to qualify for entry. If your pet has already been receiving annual rabies ZEGGMRIW ]SY QYWX 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 New Resident 2022

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.

Dedicated To Helping Your Pet Achieve Their

ASK ABOUT OUR HOME VISIT OPTION

Emergency On Call Veterinarian

Diet & Weight Clinics

(24 hours- 365 Days a year)

Overseas Travel Certification

Mobile & In Home Appointments

CBD for Dogs and Cats

and Consultations

Ultrasound

Annual Wellness Exams

Orthopedic Specialist & Referral

Advanced Inpatient Monitoring

Dentistry & Oral

and Care

Preventative Care

Digital Radiography (Xray)

Flea & Parasite Control

Pet Vaccinations

Reception 236-3292 Emergency Pager 694-0703 168 Middle Road, Devonshire - Endsmeet.bm

51

PETS

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

The Sago Palm and other plants are toxic to pets

W

e don’t have snakes or coyotes in Bermuda, but that doesn’t mean we don’t have critters that could harm your pet.

You are allowed to walk your dog on a leash on public beaches in the winter months; if you do, watch out for Portuguese Man4 ;EV E NIPP]ǻWL PMOI SGIER GVIEXYVI XLEX ǼSEXW SR XLI WYVJEGI of the water and often washes ashore. The long tentacles pack a mighty sting and pose a serious threat to people and pets. If stung, adults often have to make a hospital visit, and your pet may require immediate attention from a vet.

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52

Another small animal to look out for is the Bermuda toad. These can grow quite large and are toxic to dogs. Don’t let your dog pick up a toad with its mouth. Plus, certain toads also secrete a deadly toxin through their skin, so just licking or touching a toad could require emergency attention. Symptoms may include severe drooling, head shaking, pawing at the mouth or I]IW HMEVVLIE HMǽGYPX] FVIEXLMRK and, in severe cases, seizures and collapse.

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

The severity of symptoms depends on the severity of infection. ;I LEZI ZIV] JI[ Ǽ]MRK MRWIGXW in Bermuda, but mosquitoes can be a problem in the summer months. If your dog is bitten, it may lead to heartworm. We suggest you consult with your veterinarian on the best mosquito repellents and heartworm treatments for your pet.

Dogs are sometimes tempted to chew on or eat plants. Be especially vigilante that your pet doesn’t chew on Sago palms, which have toxic properties.

Severe liver damage and death can occur. Also, you’ll see Oleander hedges along the roadside and in gardens throughout the island. They may look pretty, but Oleander is poisonous to many species, including cats and dogs. There have even been cases on the Island where cows have died from ingesting Oleander.

Finally, our tropical, humid climate can cause ear infections 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. Also ask your vet for recommendations on keeping your dog’s ears dry and on how often you should clean them.

New Resident 2022

HEALTH CARE

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

T

he good news is that the standard of health care here is high. All doctors and dentists QYWX FIGSQI FSEVH GIVXMǻIH FIJSVI they can practice.

We only have one hospital, the King Edward Memorial Hospital (KEMH). A new state-of-the art wing opened here in 2014 at a cost of $247 million. This wing has most of the features and services you would I\TIGX MR E ǻVWX [SVPH LSWTMXEP You can sleep easily knowing that your medical needs can be very well taken care of on the island. Most medical conditions and emergencies are treated here, but patients requiring highly specialised treatment, such as heart surgery, are New Resident 2022

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

Formal overseas partners include some of the very best hospitals in the United States such as Johns Hopkins in Baltimore, and, in the Boston area, the Lahey Clinic, Massachusetts General Hospital, Dana Farber Institute, Brigham & Women’s Hospital, and the Spaulding Rehabilitation Hospital.

In order to receive specialised treatment at any overseas hospital, a patient has to be referred by his or her doctor. Hopefully, you will RIZIV LEZI XS FI ǼS[R SZIVWIEW JSV treatment, but if you do, you will be in the care of some of the top medical practitioners in North America.

;LEX ]SY [MPP ǻRH LS[IZIV MW that health care in Bermuda is one of the most expensive in the world. A Bermuda Health Council report from 2014 shows that among OECD (Organisation for Economic Cooperation and Development) countries, only the United States has a higher cost per capita for health insurance than Bermuda.

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

Employers usually pay 50% of the employee’s health insurance, but some pay more as part of the 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 $1,000 or more per month typically (but not always) shared 50/50 with your employer. If you have a spouse and/or children, they can be added to your health plan. That cost could be as much as $2,500 per month.

Health plans often include medical, dental, and optical.

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

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.

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

New employees can ask their company’s human resource director what their policy does and does not cover or to contact your insurer for that information Opticians and optometrists operate privately.

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

53

HEALTH CARE

Cancer prevention, detection and treatment under one roof

F

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

Bermuda Cancer and Health Centre is the Island’s leading RSX JSV TVSǻX [SVOMRK XS WIVZI the community building healthier lives free of cancer and disease.

The Centre has a multidisciplinary, experienced team consisting of radiologists, oncologists, diagnostic imaging technologists, radiation therapy nurses and therapists, patient WIVZMGI WXEǺ GSQQYRMX] SYXVIEGL professionals, accounting and administrative personnel.

This dedicated team provides compassion with care throughout all areas of the cancer journey.

The Radiation Therapy Unit which opened in 2017, has a clinical EǽPMEXMSR [MXL )ERE +EVFIV Brigham and Women’s Cancer Centre in Boston.

Clinical services include 3-D Mammography, Ultrasound, Breast and Prostate Biopsies, Bone Densitometry and Radiation Therapy cancer treatment.

Prevention is a vital part of the Centre’s mission and is provided through a variety of community outreach programmes within the community. To book screening mammogram appointment, please call the Centre directly at 236-1001. For our other clinical services, speak to your doctor about making Bermuda Cancer and Health Centre your choice. &W E VIKMWXIVIH RSX JSV TVSǻX (charity #70.), the Centre believes that health screenings such as mammograms and ultrasounds, and treatment like radiation therapy should be accessible by everyone. The Centre’s Equal Access Fund subsidises the cost of services for those who New Resident 2022

State-of-the-art True Beam™ linear accelerator used for radiation therapy

GERRSX EǺSVH XLIQ VIKEVHPIWW SJ whether it is a $326 mammogram or $100,000 for radiation treatment.

To make this possible, the Centre relies on the generosity of the local community, corporations, foundations and fundraising events to support its mission.

Annually the Centre needs to raise over $2.5 million to help approximately 860 people receive clinical services they otherwise QMKLX RSX EǺSVH ERH to continue providing prevention and early detection education programmes which reach over 7,000 people island-wide.

The Centre is tremendously grateful for the continued support from all sectors of the community [LS TVSZMHI ǻRERGMEP WYTTSVX XLVSYKL HMǺIVIRX EZIRYIW

whether it is by volunteering, participating in one (or more) of our eight annual fundraising events, hosting independent third-party fundraisers, making a donation directly to the Centre or sponsoring Centre events and programmes. These opportunities and more are available on the Centre’s website. If you’d like to host a fundraiser, we’d love to hear your ideas!

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

55

ࢆ

HEALTH CARE

(ERGIV GER FI TVIZIRXIH Bermuda Cancer and Health Centre shares things you can do today that will lower your risk of being diagnosed with cancer

L

ocally over 300 people are diagnosed with cancer annually.

It is estimated that 30-50% of cancers can be prevented and more than half the cancer deaths can be prevented.

Preventing Cancer It is possible to change the course of some cancers in a population, including Bermuda. HPV is the cause of almost all cervical cancers. The ZMVYW [LMGL EǺIGXW FSXL QEPIW ERH females, has also been linked to cancers of the vulva, vagina, penis, anus, and throat.

In addition to leading a healthy lifestyle and following cancer screening guidelines, vaccinating against HPV will be a step toward preventing cervical, vulvar, vaginal, penile, anus and throat cancer.

There is strong evidence that an MRHMZMHYEP W VMWO SJ HIZIPSTMRK cancer can be substantially reduced by healthy behaviour: • HSR X YWI XSFEGGS ERH VIHYGI alcohol consumption • KIX WYǽGMIRX TL]WMGEP EGXMZMX] • eat healthy foods and eat in moderation • participate in cancer screenings according to recommended guidelines • get vaccinated against the Human Papillomavirus (HPV) Screening Tests Starting as early as 40 years of age, getting screening tests VIKYPEVP] QE] ǻRH FVIEWX cervical, and colorectal (colon) cancers early when treatment is likely to work best. Lung cancer screening is recommended for some people who are at high VMWO 'IVQYHE W GERGIV WGVIIRMRK guidelines can be found on the (IRXVI W [IFWMXI LXXTW [[[ cancer.bm/cancer-information/ bermudas-cancer-screeningguidelines).

New Resident 2022

Senographe Pristina Mammography System with Dueta (Technologist with patient)

Vaccines Vaccines also help lower cancer risk.

The Human Papillomavirus (HPV) vaccine helps prevent most cervical cancers and several other kinds of cancer in both males and females.

The Hepatitis B vaccine can help lower liver cancer risk.

Healthy Choices You can reduce your risk of getting cancer by making healthy choices like maintaining a healthy weight, getting regular exercise, avoiding tobacco, limiting the amount of alcohol you drink, protecting your skin and practising safe sex.

Bermuda Cancer and Health Centre provides a series of programmes highlighting healthy lifestyle choices which, together, can make an enormous impact on TISTPI W PMOIPMLSSH SJ HIZIPSTMRK cancer and other non-communicable diseases over their lifetimes.

Presentations and workshops are provided free to the community and can be requested through the (IRXVI W [IFWMXI LXXTW [[[ cancer.bm/cancer-information/ reducing-your-cancer-riskpresentations). &ǺSVHMRK (ERGIV GVIIRMRK Diagnosis and Treatment &ǺSVHMRK LIEPXL GEVI GER FI challenging, not everyone has health

insurance, and in other cases, health insurance may not cover the full cost of a needed service. As a registered charity, Bermuda Cancer and Health Centre believes that everyone should have access to health care. Through the ongoing generosity of the local GSQQYRMX] XLI (IRXVI W *UYEP Access Fund can help subsidise the cost of mammography, ultrasound, breast and prostate biopsies and radiation therapy treatment at our Centre for those who are uninsured and underinsured.

In addition to the physical illness and emotional distress caused by cancer, the high costs of care is a burden to patients, their families, and to the public. By preventing some of these cancers, the burden of cancer will be reduced, and the number of deaths caused by cancer will decline.

Bermuda Cancer and Health Centre provides a specialist approach to patient care.

Services include mammograms, ultrasounds, breast and prostate biopsies, bone densitometry and radiation therapy. With its convenient central location, extended appointment hours, and JVII TEVOMRK SYV RSX JSV TVSǻX provides you with easy access ERH EǺSVHEFPI GEVI +SV QSVI information on Bermuda Cancer and Health Centre call 236-1001 or visit www.chc.bm.

57

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rom English pub grub to French gourmet cuisine — and (almost) everything in between — you can eat very well in Bermuda. And drink well, too — the better restaurants all have truly outstanding wine 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 $30 $$ $30 to $40 $$$ $40 to $50 $$$$ $50 to $60 $$$$$ $60 plus

&YVSVE 3I[WXIEH -SXIP 27 Harbour Road, Paget. 236-6060.

Reservations recommended. Smart casual. $$$$ &YVSVE W WIEWSREP menu features fresh local seafood ERH TVSHYGI JVSQ 'IVQYHE W FIWX ǻWLIVQIR ERH JEVQIVW &YVSVE MW committed to sourcing sustainable ingredients from local suppliers, ocean to table. 2021 winner for ‘Best Seafood Restaurant’.

Blû Bar & Grill: 25 Belmont Hills Drive, Warwick WK 06. 232-2323.

Reservations recommended. Smart casual. $$$$. Blû’s stunning location overlooks picturesque Hamilton 58

Harbour and the Great Sound, providing an unparalleled view of the water and international sailing events. Blû has a bold American menu with generous Italian and &WMER MRǼYIRGIW EW [IPP EW E delightful sushi menu and a small bites menu.

Café 4: Windsor Place, 18 Queen Street, Hamilton. 295-8444. $. A stylish and sophisticated take out of organic, local, fresh ingredients; along with homemade bread, pasta and healthy soups. Winner of the Best of Bermuda 2019, 2020 and 2021 awards for ‘Best Salad Bar’.

Enjoy the indoor/outdoor dining facility.

Café Lido: Elbow Beach Hotel, Paget. 236-9884. Reservations recommended. $$$$ 4ǺIVW ER unrivaled culinary experience and a gem of a view of the South Shore. Award winning restaurant SǺIVW ER I\GMXMRK QIRY JIEXYVMRK 2IHMXIVVERIER HMWLIW PSGEP ǻWL and an enticing meat selection.

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 & Restaurant: 1 Middle Road, Paget. 236-6517.

Reservations recommended.

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

-EVFSYVJVSRX At the BUEI, 40 Crow Lane, Pembroke. 295-4207.

Reservations recommended.

Smart casual. $$$. On the harbour, with its own dock, water lapping gently by the romantic table setting. Catch the sunset from XLI YTTIV HIGO 4ǺIVW E ZEVMIH menu featuring a selection of XLI JVIWLIWX ǻWL ERH WIEJSSH in addition to dry-agedmeats, handcrafted sushi rolls and irresistible desserts.

La Trattoria: 23 Washington Lane, Hamilton. 295-1877.

Reservations recommended. $$.

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 friends. This festive trattoria has the island’s only wood-burningpizza oven as a centerpiece and is recognised as best in Bermuda for their hearty Italian food, and warm, kid-friendly environment, all at an extraordinary value.

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

'IVQYHEƶW ǻVWX ERH QSWX JEQSYW Italian restaurant, celebrating 50 ]IEVW SJ JEFYPSYW WIVZMGI ǻRI JSSH and meticulously prepared classic and contemporary regional Italian specialties. Enjoy fabulous wine and tasty bites with the in-crowd in the adjacent Wine Bar. L’Oriental: 32 Bermudiana Road, Hamilton (above Little Venice). 2964477. Reservations recommended.

Smart casual. $$$. The only place to get the best Oriental Fusion cuisine, featuring a welcoming Sushi Bar and New Resident 2022

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

Bermuda’s only Teppanyaki table.

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

L’Oriental Express: Corner of Church Street and Par-La-Ville Road. $ ;I SǺIV XLI FIWX SJ the best for take-out in Hamilton,

SǺIVMRK IZIV]XLMRK JVSQ WSYT ERH sushi, to wraps and sandwiches, to amazing salads and daily hot food specials. There’s a pasta FEV TPYW WTIGMEPX] GSǺIIW XIEW and smoothies – the selection is unbeatable.

Mickey’s Beach Bistro: Elbow

Beach Hotel, Paget. 236-9107.

Reservations recommended. $$$.

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

Pizza House: Southside, St David’s, 293-5700; Shelly Bay, 293-8465; Heron Bay, Southampton, 238-2753.

Casual. $. Top-quality pizza.

IE 'VII^I 1SYRKI Elbow Beach Hotel, Paget. 232-3999. Reservations recommended. $$$. Provides the best spot for an al fresco drink, great sushi, pizza or order from the full a la GEVXI QIRY & GSZIVIH KE^IFS SǺIVW shelter if needed. Live entertainment during the summer months.

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

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

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100% HASSLE FREE BOATING

Your Island Boat Club membership equates to a fraction of the cost of owning a boat in Bermuda and includes the following:

MEMBERSHIP OPTIONS PREMIUM WEEKDAY 12 MONTH SUBSCRIPTION ENTRY LEVEL

Access to a fleet of exceptional luxury vessels Complimentary on-water training for boat handling in Bermuda’s waters Unlimited year round boat access The Island Boat Club team on hand and ready to assist at the dock On water assistance An 8:1 member to boat ratio, significantly lower than industry norms Easy online reservation system and more!

CONTACT US TO SCHEDULE A FREE BOAT TOUR! Find us at Caroline Bay Marina, Bermuda www.islandboatclub.bm | membership@islandboatclub.bm | +1 441 704 0186 | 0i0i