New Resident 2019 by Ian Coles

New Resident 2019

Pass me on for a greener Bermuda

Delivering the Highest Quality Medical Care Possible

Dr. Gerhard Boonstra

Dr. Basil Wilson

Dr. Carlton C. Jones

Dr. Roddy Moore

Dr. Judith Boyce

Dr. Samantha Price

Dr. Heather Montgomery

Dr. Margot K. Harvey

Dr. Diane Kooiman

WHAT WE OFFER: • Family Practice

• Panel Physician for US Immigration

• Functional Medicine

• Scuba Diving Medical Examinations

• On-site Laboratory Open from 7:30am

• Home Visits

• Ultra Sound

• On-site Nurses

• Stress Testing

• Vaccinations

• 24hr. Blood Pressure Monitoring

• Se Habla Español, Afrikaans, Dutch

• TCD Examinations

Paget Location 40 & 42 Point Finger Road, Paget DV 04 Monday - Friday 8am - 8pm | Saturday 9am - 12noon | Call 236-0084 for Appointments Hamilton Location 14 Dundonald Street, Hamilton HM 09 Monday-Thursday 8am-5pm | Friday 9am-4pm | Call: 296-9733 for Appointments

WWW.IHS.BM

FROM THE PUBLISHER

WELCOME We’re glad you’re here

This publication has been compiled to assist people who are weighing up the pros and cons of accepting a job in Bermuda as well as those who have just arrived here and need a crash course in how the island works. Whichever category you fall into, we suspect you have some concerns — and perhaps even a few fears. If so, relax! Bermuda is warm, welcoming and one of the least stressful places in which to live and work. It is sophisticated, with far more amenities than would be found in many similar sized communities in North America or Europe. It is also GPIER IǽGMIRXP] VYR GSQTEVEXMZIP] crime free, and you are unlikely to encounter a better range of sporting and recreational activities in any other place on earth. In most respects, life in Bermuda has much in common with that of an EǾYIRX XS[R IPWI[LIVI FYX [MXL HMWXMRGX ERH ETTIEPMRK HMǺIVIRGIW due to its geographical, cultural

and social make-up. And Bermuda has its odd quirks, too. Some, like the two days a year when the island closes down for a cricket match and a party, you will love. Others, such as the 35 kph speed limit, you will learn to appreciate. Workwise, the island moves at the same pace as London and New York. Otherwise it would not have become one of the world’s QSWX MQTSVXERX SǺWLSVI ǻRERGMEP centers. There is one major HMǺIVIRGI XLSYKL =SYƶPP LEZI SRI of the shortest and most beautiful commutes in the world. While most of us here have to work hard, we also know how to IRNS] SYVWIPZIW =SY [MPP ǻRH XLEX Bermudians are happy to embrace you in their social circles. They are generally well educated, welltravelled and very entertaining company. Although it is true that “expats” are a recurring political issue, the debate is rarely about individuals, but rather about the general immigration policy. To

set your mind at rest, the current Government appreciates that we need talent and skills from overseas; but balances this against the need to ensure Bermudians have a fair chance in the job market. Hardly unreasonable is it? =SYƶPP ǻRH QSWX MR XLI PSGEP community genuinely understand that ‘guest workers’ are very much a part of what keeps our economy moving forward. Bermudians are proud of the success they have achieved on this obscure outcrop in the Atlantic. However, they also appreciate that without help from overseas, we would not be where we are today – or where we want to be tomorrow.

Contents New Resident 2019/20 Island Stats ............................................5 Island Essentials................................7 Meet the locals ...............................14 Island Etiquette ...............................17 Money Matters ................................18 Prices ..................................................... 20 Working to Rule..............................22 British Ties ..........................................24 US Ties ..................................................25 Property ................................................27 Cars and bikes .................................35 Festive Hamilton ............................36 Business Map ...................................38 Fake expectations ........................ 40 School Report ..................................42 Just for Kids .......................................50 Pets ..........................................................52 Healthcare ..........................................57 Wellness ............................................. 64 Shipping .............................................. 66 Boating ................................................. 67 Finance..................................................70 Dining Guide .....................................73 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 2019

This mom ent

on the course

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ISLAND STATS

LARGEST PUBLICLY TRADED COMPANIES 1. 'ERO SJ 38 'YXXIVÇ»IPH 2. BF&M Limited 3. Ascendant Group 4. Somers Limited 5. Argus Group Holdings Ltd. 6. ONE Communications Ltd. 7. Watlington Waterworks 8. LOM Financial Ltd. 9. Bermuda Aviation Services Ltd 10. West Hamilton Holdings Ltd.

HATCHES, MATCHES AND DISPATCHES Births: .............................................................. 591 Deaths: ...........................................................492 Marriages: ....................................................450 Divorces: ....................................................... 120

SCHOOL REPORT Total school enrollment: .............. 8,805 Government schools: ......................4,792 Private schools: .................................. 3,300 Bermuda College: ..................................713

GOVERNMENT REVENUE Payroll tax ...................................................42% Customs duty ..........................................22% Land tax ..........................................................7% International Company tax ...............6% Other ...............................................................23%

FACTS AT A GLANCE THE BASICS Population ............................................ 64,486 Gender ratio ............................52% female Bermuda-born .........................................69% Land area .............................. 20.5 sq miles Length ................................................ 21 miles Greatest width ................................. 2 miles Highest point ...................................259 feet Islands in archipelago.......................... 138 Capital Hamilton, pop ..................... 1,100 Currency ................................................................. ........................Bermuda $, par with US $ Climate ........... sub-tropical, frost-free Farmland (total) ......................... 735 acres

HEALTH & WELFARE Infant mortality per 1,000 live births................................................3.4 Life expectancy at birth female .......................................................84 male ............................................................78 Doctors per 10,000 people.................29 Nurses ................................................................79 Dentists ............................................................ 13

RACIAL RATIO Black ...............................................................52% White and other colours................. 48%

TOURISM

YOUNG, GIFTED AND BERMUDIAN

Total visitors ....................................649,000 Air visitors .......................................... 245,000 Cruise visitors .................................398,000 Peak month July .................................(18%) 78% of visitors from USA

Percentage of 25 to 34-year-olds with a degree Bermuda ......................................................32% United States.............................................42%

ECONOMIC INDICATORS GDP (market prices) .......................$6.127 (YVVIRX MRÇ¼EXMSR VEXI IWX ..............1.8% New Resident 2019

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

THE WORKPLACE Total workforce ..................................33,653 Proportion of jobs held by Bermudians.......................................70% Expatriates .........................................30% Trade union membership ............. 8,152 Avg employment income (est) .................................................................... $64,250 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)....................................23,741 Motorcycles & mopeds ...............18,043 Taxis................................................................... 475 Buses, trucks, others ........................5,223

POLITICS 2017 general election turnout ......73% Progressive Labour Party...... 25 seats One Bermuda Alliance............. 11 seats Next general election: before Sept 2022

* From Facts & Figures 2017 by the Bermuda Government Statistics Department, 2017 Employment Brief August 2018, Census 2016, 5

ISLAND ESSENTIALS

Democracy, Bermuda-Style 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 regained power in the July 2017 election, from the One Bermuda Alliance (OBA). The PLP has 25 seats while the OBA is now represented with 11. The PLP previously held power for 14 years, winning three consecutive elections from 1998 to 2012. Prior to that the United Bermuda Party formed the Government since party politics began in the 1960’s. The TEVX] SǽGMEPP] GIEWIH STIVEXMSRW in 2011 after the majority of its members joined the OBA. The Premier is chosen by the majority party from its elected members to lead the Government and therefore the country. As a “guest worker”, one is not entitled to vote or stand for election.

The Premier, David Burt, JP, MP

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 – the so-called “lower house” of Parliament – is where the big decisions are made.

The Governor, His Excellency John Rankin

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

New Resident 2019

Bermuda has its own very colourful currency

MONEY

MATTERS 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

GETTING OFF THE ROCK

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 the attractively unassuming facades that line the main streets beats the heart of big-time international business. Hamilton is one of the world’s leading insurance centers, ranking behind only London and New York, and is the undisputed number one in captive insurance. One of the things you’ll like about our capital is that everything is within [EPOMRK HMWXERGI .XƶW WS IEW] XS KIX EVSYRH XLEX XLIVIƶW RS SXLIV SǽGI more than 10 minutes walk from your own, and within a 5-minute walk there’s every chance of more than 10 restaurants or take-outs from which to choose for lunch.

Bermuda is a small place with limited diversions, which is why Bermudians are so well travelled. They’re always taking short trips XS 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. There are regular (mostly daily) non-stop ǼMKLXW VMKLX YT ERH HS[R XLI *EWX Coast, including Miami, Atlanta, Philadelphia, New York, Boston and Toronto. British Airways has a dedicated service between Bermuda and London Gatwick that operates daily in the summer, reduced to four times a week in the winter.

ENGLISH WITH A TWIST…

You and the Law =SY [SRƶX ǻRH XLI 'IVQYHMER NYWXMGI W]WXIQ QYGL HMǺIVIRX JVSQ QSWX SXLIV WSTLMWXMGEXIH countries. It is based on English common law. Firearms and ammunitions and indeed all weaponry are completely unwelcome and carry heavy penalties. Importing even a small amount of any illegal drug for your own use is E WIVMSYW MQTVMWSREFPI SǺIRWI )VMRO HVMZMRK TIREPXMIW EVI EPWS ZIV] ǻVQ And be warned, working outside the bounds of your work-permit could lead to big The Police wouldn’t want to meet you on business trouble, both for you and your employer.

Of course we do speak English, FYX [MXL ER EXXVEGXMZIP] HMǺIVIRX accent that may be a little GSRJYWMRK 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.

Our wild side

Despite the island’s XMR] HMQIRWMSRW XLIVI EVI WXMPP WSQI WMKRMǻGERX WXVIXGLIW SJ STIR space here, and lots of (non-threatening) wildlife inhabiting it. The island is sprinkled with small, but interesting national parks and nature reserves. There are also miles of South Shore beachfront that are mercifully clear of development. They are public and therefore free to roam and swim. The railway trail is another treat. It stretches from St. George’s to Somerset, cutting through parts of the island you would otherwise never see. Great for walking, jogging or cycling. 4ǺWLSVI SYV EFYRHERX VIIJW ERH [VIGOW QEOI E TEVEHMWI JSV divers.

Bermuda is an ecological treasure island

New Resident 2019

ISLAND ESSENTIALS Our weather is mostly marvelous

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

Particularly Pleasant Weather Although it is close to the US northeast, Bermuda’s climate is semi-tropical, kept warm and humid by the Gulf Stream. It is hottest in the months of July, August and September when temperatures are usually in the 80s with equally high humidity counts. Summer is considered to begin SǽGMEPP] MR 2E] Ƴ E TYFPMG LSPMHE] observed on the last Friday of 2E] WMKRMǻIW XLI ǻVWX HE] SJ ocean swimming for Bermudians – and end in November. But temperatures from November to May can vary enormously, from the pleasant mid-70s to the alltime 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. See page 10.

Our Wicket Ways Cricket is Bermuda’s national sport of the summer while soccer is the popular preference in the winter. Considering its size, Bermuda excels at both. Several local cricketers and footballers have been lured overseas with professional teams. If you have a talent in cricket or soccer, one of the many local league clubs is sure to want to snap up your services. Cricket is so popular, the island shuts down for two days mid-

summer for ‘Cup Match’, which pits the best players from the western end of the island against the pick of the east. The game itself is more of a summer holiday celebration than a serious competitive event, although some might disagree. Ladies like XS WLS[ SǺ XLIMV RI[ Ƶ(YT 2EXGLƶ SYXǻX QIR PMOI XS IRNS] E HVMRO SV several, and both genders like to try their luck at the Crown and Anchor gambling tables. Bermudians spend lavishly at this time of year, with banks reporting millions in cash in circulation.

The Crown and Anchor tables are packed at Cup Match

Where am I?

We’re right in the middle of nowhere

New Resident 2019

Don’t be embarrassed. Most people don’t have a clue where Bermuda is located. The confusion is caused by the fact that [I EVIRƶX RIEV ER][LIVI WMKRMǻGERX In fact, at 600 miles from the nearest land – that being Cape Hatteras in North Carolina – Bermuda is one of the most geographically remote inhabited islands in the world. It’s also one of the smallest. All 138 islands in the chain add up to a modest 22 square miles. 9

ISLAND ESSENTIALS

Mostly marvellous… Why does Bermuda bask in warmth while New York (only 774 miles to our northwest) shivers? Because we’re near the Gulf Stream, which for some arcane reason keeps us frost-free, sub-tropical and generally sunny. Daytime temperatures seldom go above 90°F in midsummer or below 65°F in the depths of winter. There is no ‘rainy WIEWSRƶ [MXL E GSRWMWXIRX VEMRJEPP SJ JSYV XS ǻZI MRGLIW IEGL QSRXL XLVSYKLSYX XLI ]IEV MAXIMUM AIR TEMPERATURE (°C/°F) Jan 19.9 67.8

Feb 19.7 67.4

Mar 20.2 68.3

Apr 21.0 69.8

May 23.7 74.7

June 26.2 79.2

July 28.8 83.9

Aug 29.5 85.0

Sep 28.4 83.1

Oct 26.2 79.2

Nov 23.4 74.1

Dec 21.1 70.1

Apr 18.0 64.4

May 21.0 69.8

June 23.0 73.4

July 26.0 78.8

Aug 28.0 82.4

Sep 27.0 80.6

Oct 24.0 75.2

Nov 21.0 69.8

Dec 17.0 62.6

Apr 71.8

May 77.5

June 81.6

July 81.6

Aug 78.3

Sep 79.7

Oct 77.8

Nov 74.0

Dec 74.8

Apr 9.70 3.82

May 8.11 3.19

June 13.1 5.15

July 12.1 4.75

Aug 13.0 5.12

Sep 14.6 5.76

Oct 15.0 5.91

Nov 11.7 4.23

Dec 12.6 4.98

SEA TEMPERATURE (°C/°F) Jan 17.0 62.6

Feb 16.0 60.8

Mar 17.0 62.6

RELATIVE HUMIDITY (%) Jan 74.2

Feb 73.5

Mar 72.7

RAINFALL (cm/inches) Jan 14.9 5.85

Feb 14.0 5.50

Mar 11.5 4.55

• Based on 10-year averages

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New Resident 2019

ISLAND ESSENTIALS Females dress fairly formally

The Authentic Bermuda a Sh S Shorts or s ort http://www.tabsbermuda.com da.com a.c com

The dress code

GVYÇş] RSX XS FI confused with casual, just isnâ&#x20AC;&#x2122;t the done thing here. And perversely for a place that considers pink shorts acceptable as business attire for men, skimpy swimsuits, very short shorts and tiny shirts should only be worn at the beach or

by a pool. 2IR JSV XLI SÇ˝GI ]SY canâ&#x20AC;&#x2122;t go wrong with a blue blazer, white or blue cotton shirt and khakis. Theyâ&#x20AC;&#x2122;ll do for everything from work to weddings. But if you prefer to conform with the locals, XLIVI MW SRP] SRI GLSMGI SÇş with your pants and on with

Bermuda shorts. They must ocks be paired with knee socks te the and loafers to complete authentic look. Women: err on the rt side conservative and smart until you get a feel for the our prevailing attitude in your QYGL TEVXMGYPEV SÇ˝GI 8SS QYGL cleavage or make-up just either isnâ&#x20AC;&#x2122;t the done thing; neither e studs are nose rings, tongue and other prominent body piercings.

New Resident 2019

ISLAND ESSENTIALS

Super-speedy Internet B

ermuda is one of the most wired countries in the world, and is also a leader in mobile connectivity. So you can put aside any worries about staying in touch through Facebook, FaceTime, WhatsApp, Instagram, Skype or any of your other favourite apps. However, because of our

geographical remoteness you may ǻRH .RXIVRIX ERH GIPP QSFMPI VEXIW 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. Bermuda’s leading telecommunications provider is

)MKMGIP .X SǺIVW ZSMGI HEXE ERH 8: WIVZMGIW )MKMGIP MW XLI SRP] ǻVQ XS SǺIV PERHPMRIW 4G LTE cellular service is available throughout the island. Smart phone plans with 2GB of data start at $105 per month, which includes unlimited long distance talk to the US and Canada. )MKMGIP LEW ǻFVI EGVSWW XLI MWPERH with Internet speeds of up to 200Mbps and a TV service with the best US and international shows, movies and sports. 25Mbps Internet service costs $105 per month for access and ISP starts at around $80. TV service rates are $90 for 60 channels. A bundled package with 119 TV channels and 25Mbps Internet service is $185 per month. If you’re a sports fan, you will want to subscribe to the sports pack with live EPL, NBA, NFL and cricket — 17 channels in total for $30 per month. A basic phone landline with 50 free calls a month is $26. To review all the various plans and bundles available visit [[[ HMKMGIPKVSYT GSQ FQ 12

New Resident 2019

ISLAND ESSENTIALS engaged the Aecon Group to lead construction. The new building will replace a core facility that dates back more than 70 years. Six passenger boarding bridges, or jetways, will be in place to take departing passengers directly onboard the airplanes, and arriving passengers from the airplanes to the arrivals concourse. Important, considering Bermuda’s unpredictable weather, and the

current need to walk across the airport apron and up (or down) a mobile stairway. 8LI EMVǻIPH MXWIPJ [MPP FI I\TERHIH to allow additional space for parking, HVST SǺ ERH TMGOYT EVIEW Given the possibility that the current trend of tourism and hotel capacity growth continues, the airport is being constructed in such a way that it is easy to add additional structures at either end of the terminal.

Arriving: Bermuda’s New Airport

hen you landed at L.F. Wade International Airport you may have noticed our new, unmistakable landmark. Bermuda’s new airport is rising and, if all goes according to plan, will be open by July 2020. The new terminal is located just north of the existing building, with its longitudinal axis oriented north– south. It will be a larger facility with extensive use of steel and glass to withstand hurricanes and WYFXVSTMGEP LIEX 8S XL[EVX ǼSSHMRK the new terminal will stand more than 5 metres above sea level and be nearly 300 metres farther away from the shoreline. (The close proximity of the existing building to Castle Harbour makes it susceptible XS WXSVQ WYVKI ERH ǼSSHMRK HYVMRK heavy storms). The new terminal is expected to cost around $250 million and is being designed in a way that would easily accommodate the future addition of extra aircraft gates. A partnership between the governments of Bermuda and Canada underpins the airport redevelopment project. The Canadian Commercial Corporation (CCC), an international contracting arm of the Canadian Government,

New Resident 2019

PEOPLE

Meet the locals

ermuda is a mecca for MRXIVREXMSREP GIPIFVMXMIW Çź]MRK in for a break. But did you know that we have a superstar of our own. â&#x20AC;&#x201D; Oscar-winning actor and producer Michael Douglas, whose mother Diana Dillâ&#x20AC;&#x2122;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. Other famous part-time residents include billionaire Michael Bloomberg, who owns a home in Tuckerâ&#x20AC;&#x2122;s Town and can often be seen playing golf at exclusive Mid Ocean Club. 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. Ross Perot has long been a part-

OUR SPORTS STARS SHAUN GOATER Shaun Goater played for Manchester City in the Premier League between 1998 and 2003, where he scored more than 100 goals â&#x20AC;&#x201D; including E LEX XVMGO EKEMRWX LMW ÇťVWX TVSJIWWMSREP GPYF Manchester United. He was Manchester Cityâ&#x20AC;&#x2122;s top scorer for four consecutive seasons, and the local fans created a song in his honour, â&#x20AC;&#x153;Feed the Goat and He Will Scoreâ&#x20AC;?. FLORA DUFFY +PSVE )YÇş] MW XLI ERH .89 ;SVPH Triathlon Series World Champion, a twotime winner of the ITU Cross Triathlon World Championships and a four-time winner of the XTERRA World Championships. Flora is also the ÇťVWX 'IVQYHE JIQEPI XS [MR E KSPH QIHEP EX the Commonwealth Games when she won the triathlon event in Gold Coast, Australia in April 2018.

time resident of Bermuda and is perhaps best known as a two-time US Presidential candidate. He made his fortune, estimated by Forbes at FMPPMSR MR .8 -I WSPH LMW ÇťVQ Perot Systems, to Dell in 2009. As a young man Perot spent several years in the US Navy, which may explain his fondness for skimming over Bermudaâ&#x20AC;&#x2122;s waters in one of his QEKRMÇťGIRX WTIIHFSEXW

The media tycoon and former Prime Minister of Italy Silvia Berlusconi has been a frequent criminal defendant in recent years. 'YX LI VIQEMRW E TS[IVJYP ÇťKYVI in Italian politics and his $9 billion fortune does not seem to have FIIR EÇşIGXIH F] LMW VIGIRX NYHMGMEP troubles. â&#x20AC;&#x153;Blue Horizonâ&#x20AC;?, his estate in Tuckerâ&#x20AC;&#x2122;s Town, looks as splendid as ever Like many wealthy families that reside in Bermuda, the Greens GLSSWI XS OIIT E PS[ TVSÇťPI 4ZIV the last few years, however, they have been thrust into the spotlight by their purchase and subsequent $100 million renovation of the Hamilton Princess Hotel, as well as XLI HIZIPSTQIRX SJ E RI[ SÇ˝GI complex, and the purchase of WIZIVEP I\MWXMRK SÇ˝GI FYMPHMRKW The familyâ&#x20AC;&#x2122;s connection to the island goes back three generations.

New Resident 2019

ISLAND ESSENTIALS NO INCOME TAX? That’s right, but there is something called Payroll Tax that may be deducted from your salary at the minimum rate of 4.0%, the medium rate of 6.5% or the maximum rate of 9.5%. You might also be docked about $30 a week for so-called Social Insurance, and then there is health insurance, which is likely to cost around $750 a month for single (no dependants) coverage. &PXLSYKL WSQI ǻVQW QEOI RS salary deductions and pay 100% of Payroll Tax, Social Insurance and health insurance, most often this MW WTPMX FIX[IIR IQTPS]IV and employee. As for purchases, we have no sales tax, but customs duties are levied on all imported goods. The wholesaler or retailer has to pay this duty as the goods enter the island, which is the reason so many items cost more here.

OUR APPEALING CUSTOMS Almost all goods imported to Bermuda are subject to customs duty at varying rates. However, there is some good news when you move here. As a new resident you are entitled to a ‘Transfer of Residence Allowance”. Any item that is more than six months old at the time of your move that you bring with you as part of your household can be imported duty free. For more details on customs duty matters, visit www.customs.gov.bm.

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APPLIANCES, TOOLS, LAWN & GARDEN, OUTDOOR LIVING, FITNESS, TELEVISIONS & MORE! Monday - Saturday 9am to 7pm Free Parking at Shopping Centre www.sears.bm

405-3163

customercare@sears.bm

WAREHOUSE SHOPPING TWO LOCATIONS TO SERVE YOU!

THE BIG DAY To pass through Bermuda immigration control, a valid passport and ideally your work permit are necessary. If your company is unable to provide you with your work permit before you arrive, it must obtain a Landing Permit for you from the Department of Immigration.

A DOG’S LIFE Before importing an animal, you need a permit from the Department of Environment and Natural Resources. Health requirements vary depending on the type of animal and the country of origin. New Resident 2019

Bulk Groceries, Frozen Foods, Kitchen, Bedroom & Bathroom, Electronics, Power Tools, Toys & More! 232-0010 www.pricerite.bm 295-7111 22 Middle Road 10 Mill Reach Lane Warwick Pembroke Mon. - Sat. 8am to 9pm Sunday 9am to 7pm

Mon. - Sat. 8am to 8pm Sunday 9am to 7pm

SOMETHING FOR EVERYONE! 15

" ! "# " ! # " ! " # ! ! # " # # ! !" ! # # # # "

"# ! "# ! ! # # " # ! # "# " # ! ! !" # " # # " " # " ! "# ! " ! # # ! "# # " " ! "# " ! ! # " ! " ! ! # # ! "# "# " ! "# " #! " ! # ! " # " # # " # " # "

ISLAND ETIQUETTE

Courtesies & Manners This candid guide may save you from embarrassment and a surprise or two DO try to appreciate that, while Bermudians are generally welcoming folk who understand they need help to run the island’s sophisticated economy, they get somewhat ticklish when they suspect someone is being brought in to change the proverbial lightbulb (even if the truth is more complicated), or suspect that your job could easily be done by a Bermudian. Be straightforward, low-key and ready to laugh at your own expense and you’ll have no problem. DON’T burst a blood vessel if that package that you’re used to getting from Amazon overnight, XEOIW JSYV SV ǻZI HE]W XS VIEGL ]SY in Bermuda. Some things just take a little longer living on an island. DO be prepared for some ‘gossipy’ dinner table talk here. A local TSPMXMGMERƶW MRWMKRMǻGERX FPYRHIV is likely to get half an hour of animated banter, while the latest New Resident 2019

global disaster is dismissed with a distracted “Sad…”

DON’T gossip about one local to another. Invariably, the subject turns SYX XS FI ]SYV MRXIVPSGYXSVƶW GSYWMR RIMKLFSYV I\ WTSYWI ƴ ]SY KIX XLI idea. The key concept to remember: everyone you meet is probably related and slated to talk soon.

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

DON’T be shocked to hear the DO be patient if you make a social arrangement with a Bermudian and he or she shows up 20 minutes late. It’s a kind of custom here — infuriating to outsiders until they wise up to ‘Bermuda time’. You should, of course, always show up to business meetings on time.

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

mild-mannered local banker or lawyer you know as, say, Fred Smith, being referred to by colleagues as perhaps “Big Meat” or “Flea” or even “Sledgehammer.” Nicknames are a Bermudian thing; just look in the Obituaries column of the Royal Gazette each day to see some wonderful examples.

DO plan to eat out before 10pm unless you want fry-shaped WSPMHMǻIH KVIEWI JVSQ WSQI PEXI late take-out. Bermudians generally eat around 7:30pm to 8:30pm and there’s precious few eating establishments open late. 17

MONEY MATTERS

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

iving on an island in the middle of the Atlantic Ocean means things inevitably will be more expensive than you might be used to. But the lifestyle you’ll enjoy here, more than makes up for the high prices. If you are a professional coming to work for an international company, you probably won’t have E TVSFPIQ EǺSVHMRK XLI 'IVQYHE lifestyle. Singles, whether in a trade or professional employment category, can generally survive and even save a bit if they are careful. By house sharing to cut back on rental costs, for example. 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 $22,000 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 $700 and $1,000 month. There are also free public nurseries that are worth investigating. The good news for home-seekers 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. Some years ago you might have paid an excessive rent for somewhere not very special. But the market has changed and landlords are upgrading and renovating in order to rent their properties. 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. You

might get a larger three bedroom, one bathroom apartment in more distant Somerset or St. George’s for about the same. 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 22 for a clearer picture of particular items. Per month, you may need up to $500 per person to cover individual and household needs, so $2,000 a month for a family of four. As for utilities, that same family might pay up to $600 a month on electricity, and considerably more if they use air-conditioning. A phone line with unlimited calling to the US, UK and Canada will cost around $60 a month. Cable TV and Internet starts at $30 month but could rise to more than $200 depending on the channels you add and the speed of your Internet. A modest used car that will get you around safely and reliably for three years could be as little as $10,000 while fuel, maintenance, insurance and fees might amount to $200 a month. There will be a few deductions from your gross salary unless you have a particularly generous employer. You may be docked 6.5% to 8.75% of total pay for payroll tax, about $125 a month for your half share of social insurance. Health insurance, for a single person will be around $450 a month. New Resident 2019

INSIGHT

Expat witnesses Views of Bermuda from newcomers Donâ&#x20AC;&#x2122;t be seduced by the village atmosphere. Hamilton is full of international movers and shakers. 8LI] QE] LEZI SÇ˝GIW SZIVPSSOMRK the beach, but they are connected 24 hours a day to the international marketplace. Underestimate them at your peril.â&#x20AC;?

â&#x20AC;&#x2DC;

The social scene among the expat community is good FIGEYWI ]SY LEZI XS ÇťKYVI XLEX XLI most boring person here at least had the guts to pack up their lives and move away from home.â&#x20AC;?

â&#x20AC;&#x2DC; â&#x20AC;&#x2DC; â&#x20AC;&#x2DC; â&#x20AC;&#x2DC; â&#x20AC;&#x2DC;

If they spoke a foreign language in Bermuda, you would notice at SRGI XLEX MXĆśW E HMÇşIVIRX GYPXYVI â&#x20AC;? Evenings and weekends, thereâ&#x20AC;&#x2122;s always something to do. I knew it was a beautiful island but Bermuda has exceeded my expectations.â&#x20AC;? I thought everyone was honking their car horns at me because I had done something wrong, before I realised itâ&#x20AC;&#x2122;s the Bermudian way of greeting friends on the road.â&#x20AC;? The most disturbing thing is that eventually all the oddities and peculiarities of Bermuda will become commonplace. Youâ&#x20AC;&#x2122;ll cheerfully pay $6 for toothpaste, youâ&#x20AC;&#x2122;ll no longer notice the 15% tip being added to your dinner check â&#x20AC;&#x153;for your convenienceâ&#x20AC;?, youâ&#x20AC;&#x2122;ll get used to complete strangers greeting you in the morning â&#x20AC;&#x201D; in fact, youâ&#x20AC;&#x2122;ll start doing the KVIIXMRK ÇťVWX Ć´ ERH GSGOVSEGLIW and ants will no longer upset you. In spite of itself, this strange little place will have worked its way into your heart.â&#x20AC;?

New Resident 2019

! ! ! ! ! ! ! ! ! ! ! ! 19

PRICES

We went shopping on your behalf to provide a rough idea of what you might expect to pay for lifeâ&#x20AC;&#x2122;s necessities. You will discover that, for most items, Bermuda isnâ&#x20AC;&#x2122;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) ...$7.99 Lavatory bowl cleaner (24oz, Pinesol) .................................... $4.55 Dishwashing liquid (10oz, Palmolive) ...............................$2.89 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) ........................ $5.83 Toothpaste (Colgate, 4oz) ......... $4.99 Soap (three-pack, Dial) ............... $3.29 Shampoo (Pantene, 12oz) .......... $9.29 Shaving foam (Gillette, 11oz) ...$5.09 7E^SVW ,MPPIXXI ÇťZI TEGO ......$16.45 Deodorant (Degree gel) ..............$7.49

CARS Renault KWID .............................. $16,250 Kia Picanto ..................................... $21,850 Renault Clio ..................................... $31,500 Renault Captur ............................. $35,950 Toyota Rush .....................................$48,700 BMW i3 Electric ............................$59,600 Mercedes Benz GLA .............$83,500 Depending on size of car third-party insurance starts from about $293 a year (with maximum transferable no-claims bonus) for a mature driver of a used car. A new car might be treble that or more. Gasoline (litre) ...................................$2.126 Diesel (litre) .........................................$1.914

MOPEDS & MOTORCYCLES The choice is between scooters, starting at 50ccs, and larger bikes, 20

up to 150ccs. Prices start in the region of $2,750 on the road with insurance included. (VEWL LIPQIX ............................$99â&#x20AC;&#x201C;$180

ELECTRONICS MacBook 12â&#x20AC;?...................................... $1,885 iPad Pro 12.9â&#x20AC;? .....................................$1,139 Lenovo Idea Pad 330......................$699 iPhone Xs ............................................ $1,699

READING Local newspapers ............................$1.50 New York Times ................................ $3.95 Wall Street Journal...........................$3.25 London Sunday Times ..............$12.95 New York Sunday Times............. $9.95

APPLIANCES (TYPICAL PRICES) ;EWLIV HV]IV IEGL ...................... $995 Electric cooker ...............................$1,000 Gas cooker ...........................................$1395 Refrigerator....................................... $1,200 Dishwasher ........................................... $895 8IPIZMWMSR Ćš ÇźEX WGVIIR ......... $269

CLOTHING Bermuda shorts ..........................$60â&#x20AC;&#x201C;98 Long socks ........................................$12.95 Blazer .........................................$250â&#x20AC;&#x201C;$395 Shirt (menâ&#x20AC;&#x2122;s) ............................. $30â&#x20AC;&#x201C;$125 Leather loafers (Sebago) ......$149.95 Tights (Hanes ultra sheer) ............... $8 Work dress ..............................$125â&#x20AC;&#x201C;$275 Cocktail dress .......................$175â&#x20AC;&#x201C;$350 Sweaters (cotton or wool) $50â&#x20AC;&#x201C;$200

DRY CLEANING Trousers ......................................................$22 Suit ..................................................................$42 Dress .............................................................$31 Blouse ..........................................................$22

FOOD 2MPO KEPPSR ..............................$5.59 Bread (sliced wholewheat loaf) ...................................................................$6.00 Butter (1lb) .........................................$6.75 Cheddar cheese (1lb) ..............$7.99 Brie (8oz) ........................................... $8.49 Parmigiano Regiano (per lb) .................................................................$13.98 Bermuda eggs (1 doz, lge) .... $5.19 Tea bags (25 Twinings) .............. $4.15 Bacon (1lb, Oscar Meyer) .......$8.59 (SÇşII S^ KVSYRH Maxwell House) ............................ $7.95 )IGEÇşIMREXIH S^ MRWXERX $11.75 Orange juice (52oz, Tropicana premium) ............................................$6.95 Tenderloin steak (1lb) .............$24.99 Fish (1lb, salmon) ..............$13.99 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) ................................... $1.59 .GI GVIEQ KEPPSR 8YVOI] -MPP ....................................................................$8.45

DRINK Beer (6 cans, Heineken) ........$14.90 Table wine ..................................$13â&#x20AC;&#x201C;$35 Famous Grouse Scotch, 1 litre .................................................................$43.25 Absolut vodka, litre .................$36.75 Coke (6 pack cans) ..................... $7.79 Mineral water (1.5 litre Spa) ....$2.65 Goslingâ&#x20AC;&#x2122;s Black Seal rum, litre ................................................................ $33.80

SWEET TREATS Cadburyâ&#x20AC;&#x2122;s Dairy Milk (49g) ... $2.00 Hersheyâ&#x20AC;&#x2122;s chocolate (41g) .... $1.25 New Resident 2019

MONEY MATTERS

Banking in

Bermuda A

s one would expect of a PIEHMRK MRXIVREXMSREP ǻRERGMEP centre, Bermuda has a highly sophisticated and well-respected banking industry. That’s good news, because once you have relocated to Bermuda, you will need a local bank account to receive your salary and XS WYTTSVX ER] EHHMXMSREP ǻRERGMEP requirements you may have. Established over 160 years ago EW XLI .WPERHƶW ǻVWX FERO 'YXXIVǻIPH is Bermuda’s largest independent ǻRERGMEP WIVZMGIW GSQTER] SǺIVMRK a full range of cash management, credit and wealth management solutions. .X SǺIVW GLIUYMRK ERH WEZMRKW accounts in both Bermuda and US dollars, and makes it simple to

New Resident 2019

set up your local banking services. You can expedite the process before arriving on the Island by ZMWMXMRK [[[ FYXXIVǻIPHKVSYT com, selecting ‘Bermuda’ from the drop down menu on the right hand side of the page, and then clicking on the ‘Moving to 'IVQYHE$ƶ PMRO 8LIVI ]SY [MPP ǻRH an application form that you can complete, scan and send in. When you arrive on island, simply visit 'YXXIVǻIPHƶW 7IMH XVIIX 'EROMRK Centre in Hamilton to complete the application process. If you require more hands-on service for your banking needs, 'YXXIVǻIPH TVSZMHIW 5VIQMYQ Banking, a personalised banking service for qualifying customers.

Premium Banking customers enjoy the services of a dedicated Relationship Manager who is their single point of contact for access XS EPP 'YXXIVǻIPHƶW TVSHYGXW ERH services. 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 four conveniently located Banking Centres. If you are travelling to the US, Canada, the UK or Europe, 'YXXIVǻIPH QEOIW SFXEMRMRK GEWL for your trip extremely convenient with its multi-currency ATMs located in the US and International Departures lounges at the L.F. Wade International Airport. 'YXXIVǻIPH 4RPMRI XLI 'EROƶW Internet banking service, provides WIGYVI EGGIWW XS ]SYV accounts, as does the mobile banking app. And if you opt for the ability to send wires, you can easily transfer funds to personal or family accounts back home. 'YXXIVǻIPH MW EPWS XLI I\GPYWMZI provider of credit cards featuring AAdvantage rewards and Avios that can be redeemed for bookings with American Airlines, British Airways and their Oneworld partners. If you need a loan for a car or a motorcycle to get around the island, furnishings for your new home, or perhaps a boat to make the most SJ ]SYV [IIOIRHW 'YXXIVǻIPH has you covered with a range of personalised lending solutions at very competitive rates. 'YXXIVǻIPHƶW ;IEPXL 2EREKIQIRX XIEQ EPWS SǺIVW E VERKI SJ investment services, including proprietary mutual funds as well as discretionary asset management, and self-directed online and traditional private client brokerage services. For wealth structuring and succession planning advice, you’re invited to speak with the TVSJIWWMSREPW EX 'YXXIVǻIPH 8VYWX who are experts at creating bespoke solutions to suit each client’s unique needs. For more information about ButXIVǻIPHƶW TVSHYGXW ERH WIVZMGIW SV XS WTIEO [MXL E 'YXXIVǻIPH VITVIWIRXEtive, please call 441-295-1111. 21

IMMIGRATION

Getting the balance right Bermuda continues to maintain the delicate balance between encouraging new residents who can encourage jobs growth and ensuring Bermudians have fair job opportunities. Bermuda Executive Services explains

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. Generally though, Government policy is aimed at streamlining the process and making it easier for RI[ FYWMRIWWIW XS LMVI XLI WXEǺ XLI] need to be successful. 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 will not be able to change jobs until you have been in Bermuda for two years. Many people who are intending to work in Bermuda have a spouse or partner. This can be complicated. You might be an insurance executive or actuary but if your spouse is a retail store manager or a nuclear TL]WMGMWX ǻRHMRK E NSF MR 'IVQYHE QE] FI QSVI HMǽGYPX SQIXMQIW the jobs will simply not exist and at the other extreme, they may be closed to non-Bermudians because it is believed there are enough Bermudians available carry out the role. As a rule of thumb, the spouse would be wise to seek employment before coming to Bermuda. Once

Fees: Three-month short-term work permit .......................................................................$640 One-year standard work permit .....................................................................................$920 Three-year standard work permit .............................................................................$3,440 Five-year standard work permit .................................................................................$5,905 One-year global work permit.........................................................................................$1,775 Three-year global work permit .................................................................................. $4,300 Five-year global work permit........................................................................................$6,765 Global entrepreneur work permit (one year)......................................................$1,775

New Resident 2019

IMMIGRATION 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 ÇťRERGMEPP] Anyone coming to Bermuda also needs to be aware that certain jobs are â&#x20AC;&#x153;closedâ&#x20AC;? or â&#x20AC;&#x153;restrictedâ&#x20AC;?. Closed categories, which include jobs like KIRIVEP PEFSYVIV SÇ˝GI VIGITXMSRMWX and taxi drivers, cannot be held by non-Bermudians unless they have a Bermudian spouse. Some other jobs, where there is E PEGO SJ UYEPMÇťIH 'IVQYHMERW EVI easier to get with an in principle application. These run the gamut from actuaries to nurses to butchers. There are a number of measures in place aimed at encouraging businesses to come to Bermuda or to stay in Bermuda. For example, a new business coming to Bermuda can get permission not to advertise XLI NSFW SJ YT XS XIR WIRMSV WXEÇş members before getting work permits for them, and these jobs would not have to be advertised for two years. A second policy enables a company to be granted a global work permit, by which a senior employee of a global company can come to Bermuda without the need to advertise the work permit. The only condition is that the employee WLSYPH RSX FI ÇťPPMRK ER I\MWXMRK TSWMXMSR MR XLI 'IVQYHE SÇ˝GI An Entrepreneurâ&#x20AC;&#x2122;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. â&#x20AC;&#x153;Job Makersâ&#x20AC;? legislation enables executives who are responsible for at least ten jobs held by Bermudians to be eligible for permanent residence. +SV GSQTERMIW MR XLI ÇťRERGMEP New Resident 2019

XIGLRSPSK] ÇťRXIGL WTEGI XLIVI EVI WSQI EHHMXMSREP MQQMKVEXMSR FIRIÇťXW as the Government seeks to become a world leader in this sector. Since the change of Government in Bermuda in 2017, there have been some changes. There are additional rules around the use of overseas entertainers for SRI SÇş IZIRXW ERH E VITSVX SR immigration was submitted in November 2017 which attempts to lay out a path to citizenship. However, these proposals remain

just that â&#x20AC;&#x201C; proposals. Similarly, a consultation was carried out over whether Bermuda should require non-Bermudians from non-English speaking countries in customer-facing VSPIW XS WLS[ XLI] EVI TVSÇťGMIRX in English. To date, there is no requirement for this. To learn more about Immigration, contact the Department of Immigration at 295-5151 or contact Bermuda Executive Services at 2965627, email info@bes.bm

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FROM THE GOVERNOR 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 MRXIVREXMSREPP] 8LI] [MPP EPWS ǻRH a wealth of business expertise, MRGPYHMRK MR XLI FEROMRK ǻRERGMEP and insurance sectors.

Our strong ties

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

Question: Is there anything a RI[GSQIV [MPP ǻRH WYVTVMWMRK EFSYX Bermuda? Answer: Some may expect Bermuda to be very British in culture SV IPWI XS ǻRH E TVIHSQMRERXP] 3SVXL &QIVMGER SV (EVMFFIER MRǼYIRGI .R JEGX XLI] [MPP ǻRH ER MWPERH XLEX VIǼIGXW MRǼYIRGIW JVSQ IEGL SJ these areas and indeed from farther EǻIPH *EGL GSQTSRIRX MW JEQMPMEV in some ways, but the end result is uniquely Bermudian. Q: Is there anything a person should know in order to make that MQTSVXERX ƸǻVWX MQTVIWWMSRƹ [LIR meeting Bermudians? Is there E HMǺIVIRX ƸHVIWW GSHIƹ LIVI JSV example? A: The most important thing is always to say, “Good Morning!” Otherwise, the dress code is perhaps slightly more formal in 24

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 MR FMK GMXMIW ERH RS[ ǻRHW LMQ SV herself in 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. 8LI] [MPP ǻRH XLEX 'IVQYHE QIIXW

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 ]SYRK 'IVQYHMERW WIIOMRK E ǻVWX class 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 celebrated ǻKYVIW 2IQFIVW SJ XLI 7S]EP 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 2019

AMERICA'S VIEW

Counsel from the Consul B 8LI 9 (SRWYP ,IRIVEP XS 'IVQYHE 2VW (SRWXERGI )MIVQER SǺIVW ZEPYEFPI EHZMGI

geographically with a population of only around 65,000. We asked Mrs. Dierman how it compares with a small town in the US. “I am from a town in Ohio of about 80,000 people. However, that’s where the comparison ends,” says Mrs. Dierman. “Bermuda is very sophisticated for such a small island. It has every element of a big city, a prosperous nation, and yet it has that hometown feel.”

ermuda’s relationship with the United States began by accident. In 1609, the Sea Venture, on its way from England to the newly created colony of Jamestown, Virginia, was shipwrecked on the reefs around Bermuda. The passengers and crew came ashore, and that’s the story SJ LS[ XLI ǻVWX WIXXPIVW GEQI XS XLI island. In the years that followed, Bermuda became an important supply and waypoint between Virginia and England, and the island become dependent on trade with its nearest neighbour 750 miles to the northwest. Today the US is still Bermuda’s most important trading partner, accounting for more than 70% of all imports. A special relationship “The US–Bermuda diplomatic and commercial relationship is an important one,” says US Consul General Mrs. Constance M. Dierman. “And that is one of the reasons The Consulate is here, to support US commercial interests on the MWPERH 4R SYV [IFWMXI LXXTW FQ YWGSRWYPEXI KSZ [I SǺIV some very useful information in association with the Department of Commerce in the United States about doing business in Bermuda. That can be a useful resource. For businesses that need assistance, we are always available to give guidance and referrals, whether it’s legal assistance, a lost passport, any other types of concerns they may have, we’re absolutely open for business and welcome those approaches.” Welcoming Mrs. Dierman says that everyone gets a warm welcome to the island. “You’re welcomed immediately. Every person that greets you is warm and gracious. The people of Bermuda are extraordinarily

New Resident 2019

gracious. They are very inviting; they like to talk, they like to tell you about their city, their country. There’s extraordinary national pride here. I think people are proud of what they do, and I think they’re very proud of their international connections. Multidimensional “One of the things I’ve noticed is the multidimensional aspect of Bermudians,” Mrs. Dierman observes. “That can be underestimated. I have met many very senior business executives and have gotten to know them. I’ve learned that they’re also volunteers, they’re teachers, they’re historians, they’re artists. That’s again a very unique aspect about Bermuda. People invest heavily, not only in what I like to say is their day job but into society broadly. Getting to know people is really getting to know Bermuda.” Bermuda is very small

Connections Mrs. Dierman then considered the cultural similarities between Bermuda and the US. “First-time visitors may be surprised at how comfortable they are in Bermuda because it is similar to the United States in so many ways. Newcomers [MPP ǻRH XLEX PSGEPW YRHSYFXIHP] have some connection to the United States, whether they themselves have studied in the US or members of their family have studied there. They may have relatives living in the US. And they almost certainly will have taken vacations there because it’s so easy to travel back and forth. Certainly culturally, we share so much. It’s easy to keep up with the US news. The local cable television carries more than 100 US channels. The local radio stations play the US news and predominantly music by American artists. And as I said earlier, Bermuda relies heavily on the US for imports so the shop, drug store, and supermarket shelves EVI ǻPPIH [MXL 9 FVERHW ;LMGL MW great because I can get my favourite brand of toothpaste!” There are an estimated 8,000 Americans who live and work in Bermuda. That’s more than 10% of the population, but the number of US Citizens in Bermuda doesn’t stop there. “We get half a million visitors from the US to Bermuda each year. So you can see how the United States contributes to the economy of Bermuda,” explains Mrs. Dierman. 25

PROPERTY

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

efore moving here, it is advisable to become familiar with housing availability and costs. Of course this is easy with today’s technology, as you can ǻRH E ZEVMIX] SJ VIEP IWXEXI SRPMRI However, personal contact is still QSWX IǺIGXMZI Bermuda does not have an MLS, but real estate brokers openly share property information with each other and a single agent can show you anything that is advertised; regardless of the company name appearing in an advertisement or SRPMRI .J ]SY GER ǻRH ER EKIRX XLEX you trust, who is willing to share information with you in advance of your arrival you can start out ahead of the game. If you are ‘shopping online’ we recommend you take a look at www.bermudarealty.com and other individual company websites; although a word of caution that some real estate sites may not

New Resident 2019

be updated regularly. There is also a consolidated site at www. TVSTIVX]WOMTTIV GSQ [LMGL SǺIVW local real estate companies a chance to upload their information and make the search process much easier for potential tenants (and buyers). 8LIVI MW E [MHI ZEVMIX] SJ HMǺIVIRX types of properties on the rental market in Bermuda and your personal priorities may dictate your price point. Is a house with a pool or near a beach your main goal? Is your family coming to Bermuda and do you prefer to be close to a school? Do you want to be in the City of Hamilton? Each of these and many other factors will be critical in identifying your new home. Most leases in Bermuda run for a minimum of one year and maximum of three years. Landlords are typically responsible for the exterior upkeep, tenants for the interior. Rentals usually include major appliances and the tenant is

responsible for freshly painting the interior walls and ceilings just prior to the end of the lease. Here are the main styles of residential rental options: City Living Several new and modern apartment blocks have sprung up over the past decade. Living in Hamilton is all about convenience — it’s easy to walk to work, shops and restaurants and typically units are furnished. Demand is high and rents tend to be higher than outside the city. One and two bedroom units typically rent for $3,500 to $4,500 per month. Apartments A very common form of rental property in Bermuda are apartments located adjacent to the landlord’s LSQI 8LIWI YRMXW SǺIV GSWX IǺIGXMZI STXMSRW [MXL E ZEVMIX] SJ amenities but do mean you are living in close proximity to the 27

PROPERTY owner of the property. This can be useful when you are new to the Island as Bermudian hospitality will SJXIR TVIZEMP ERH XIRERXW PERHPSVHW become friends. Prices range from $2,400 upwards depending on size and location. Condominium Units There is a wide range of condominiums throughout the Island, from studio to four or more bedrooms. Most units are unfurnished, although you will EP[E]W ǻRH I\GITXMSRW .J ]SY LEZI children or pets, check the policy of the landlord or condominium owners’ association; some complexes are more family friendly than others. One and two bedroom units typically rent for $2,200 to TIV QSRXL FYX RI[IV PEVKIV units can be higher. Cottages and Private Homes Stand-alone cottages are often the most sought-after property type and thus are also the most expensive. Tenants are usually responsible for certain maintenance costs such as landscaping and pool cleaning. You [MPP ǻRH EPP WM^IW JVSQ SRI FIHVSSQ cottages to spectacular estates. Rental prices vary widely on all these types of homes, but generally, the closer to Hamilton, the higher the rent. The roof of your new homes is also a catchment for water. Every property has a large underground water tank, but if you run out of water, you’ll be responsible for purchasing more. 4RGI ]SY LEZI MHIRXMǻIH ]SYV perfect property, be sure to take

Rosemont City Place

note of the following: • There is usually a standard onemonth’s security deposit required to secure your tenancy. • Real estate agent commission is typically paid by the landlord, so you can get valuable advice without a price tag. • .J ]SY ǻRH ER EKIRX XLEX ]SY [SYPH like to work with, they can show you any property that is on the market, not just those listed by their company. • Only one car per household is allowed in Bermuda. It would be wise to ensure that your property has what is known as an ‘assessment number’ that permits a car. There is no limitation on the number of motorbikes allowed. • A work permit is required before a lease can be signed. Purchasing Property Purchasing real estate in Bermuda can be costly but people often

HIZIPST ER EǽRMX] JSV SYV PMXXPI piece of paradise. The range of inventory available is broad including condominiums starting as low as $495,000 as well as multi-million dollar estates. Bermuda Government has regulated the number of properties that can be sold to non-Bermudians and buyers pay a licensing fee equal to 6% of the purchase price of a condominium and 8% for a house. The luxury Rosemont City Place development comprises 2 bedroom and 3 bedroom homes with starting prices of just over $1 million and is ideally located next to The Royal Palms Hotel and Ascots restaurant; PIWW XLER E ǻZI QMRYXI [EPO JVSQ WLSTW SǽGIW ERH VIWXEYVERXW Convenience is unparalleled as -EQMPXSR SǺIVW XLI FIWX HMRMRK entertainment and shopping the MWPERH LEW XS SǺIV There are 13 homes in the development in total, each with their own private terraces plus internal living space totaling between 1,300 XS WUYEVI JIIX ERH GSRǻKYVIH SZIV JSYV ǼSSVW RSX MRGPYHMRK XLI basement parking garage. Proximity to Hamilton and spacious, roomy units make Rosemont City Place a unique cosmopolitan living experience. If you are interested in pursuing property ownership in Bermuda as an overseas buyer, ask your Coldwell Banker Representative for more details. Telephone 441 292 1793. New Resident 2019

www.bermudarealtor.com

Jack Kripl A Realtor You Can Trust Looking to rent or purchase property? Looking to lease or sell your property? Call today!

Cell: 441-705-4500 Office: 441-247-1815 jkripl@brcl.bm

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

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

Each Office is Independently Owned And Operated. Coldwell Banker Bermuda Realty is a trade name of Bermuda Realty Company Limited

PROPERTY

Buying your Bermuda home Penny MacIntyre, partner, Rego Sotheby’s International Realty discusses all the property ownership options

ermuda was coined “the jewel of the Atlantic” during its tourism heyday in the 1980s and, nearly 40 years later, is making a resurgence as global hotel brands are attracting both expatriate workers and international buyers with newly renovated and constructed real estate opportunities. Known for its pink sand beaches, sparkling blue waters, and an island culture that regularly features the iconic “dark & stormy” rum cocktail, 'IVQYHE MW EPVIEH] LSQI XS ǼEKWLMT hotel brands such as Fairmont and Rosewood and is seeing other prestigious brands now planting their LSXIP ǼEKW SR SYV WLSVIW MRGPYHMRK St. Regis Bermuda and Ritz Carlton’s Ritz Reserve at Caroline Bay. Buyers interested in partial ownership have been reintroduced to “fractional” unit ownership following recent renovations by the

new ownership at the full-service Rosewood Bermuda Hotel, Golf, and Beach Club resort. For those seeking whole ownership but also want the potential income of renting out their home, the two-year-old boutique hotel The Loren at Pink Beach SǺIVW QSHIVR MRXIVMSV HIWMKRW ERH amenities with the option of owning a three- or four-bedroom villa as a hotel condominium product, where owners place all or a portion of their PSGO SǺ ZMPPE YRMXW MRXS XLI LSXIP hospitality rental program. The Loren :MPPEW SǺIV X[S WXSVI] LSQIW [MXL exceptional water and island views, private swimming pool, garage, and contemporary design with private club membership to the 45-key hotel. Prices start from US$3,900,000. &PP XLIWI VIWSVX STXMSRW SǺIV XLI conveniences of “lock-up” and go for many expatriate workers and international buyers who travel. With Bermuda’s subtropical weather, there are endless outdoor activities available throughout the year. Our winter temperatures rarely drop below 70°F (21°C). The dramatic oceanfront fairways of six worldclass golf courses make the island a golfer’s paradise, year-round. Similarly, Bermuda’s average water

temperature tends to hover around 80°F (27°C), which means you can indulge in water sports such as HMZMRK WEMPMRK ERH ǻWLMRK XLVSYKLSYX the year. And our long summer season, from May though October, means you’ll be spending many weekends relaxing on a boat rafted up in Paradise Lakes or lounging on our pink sand beaches. However, it’s not all play and no work. Bermuda has an established business framework with over 75% of Fortune 100 companies maintaining a presence on the island, and several of the world’s largest companies have their headquarters here. The fact that Bermuda has tax neutral laws plays a big part in the success of attracting international businesses here, plus there is a sophisticated business infrastructure and transparent regulatory bodies such as the Bermuda Monetary Authority (BMA). Bermuda is also a British Overseas Territory under the jurisdiction and sovereign control of the United Kingdom. As the rights of citizenship are controlled by the British government, a non-Bermudian resident may apply for British Overseas Territories Citizenship (BOTC) status after residing here for New Resident 2019

PROPERTY ǻZI GSRWIGYXMZI ]IEVW SV [LS QIIX other requirements outlined by the Government of Bermuda. (Further information can be accessed on www.gov.bm.) There are a limited number of properties available in Bermuda for international purchase, and those are determined by their annual rental value (ARV) to be eligible for such purchase. An ARV is an approximation of what a tenant would pay for a 12-month lease, and the Bermuda government uses this ǻKYVI XS GEXIKSVMWI XLI EZEMPEFPI listings. International purchasers may buy houses with an ARV of $126,000 or more, which in our current market conditions equates to an entrylevel home priced at approximately US$2,350,000, and condominiums with an ARV of $25,800 or higher, respectively, at approximately US$320,000. Normally international purchasers are not permitted to buy vacant land, but there is a current exception at the hotel grounds of Tucker’s Point surrounding the Rosewood Bermuda hotel, where the home sites provide a unique opportunity for private residential development by international purchasers on land lots ranging from 0.4 to 1.3 acres in the sought-after east end of the island. Renting a home in Bermuda for work permit holders has always been a viable option, particularly as there is a wide range of properties that suit individual needs and price points— from executive one-bedroom apartments located in the City of Hamilton to larger family homes within proximity to schools. For further information, we invite you to contact our experienced team of professionals at Rego Sotheby’s International Realty or visit us at SYV SǽGI GSRZIRMIRXP] PSGEXIH SR Front Street in Hamilton. We believe that your best life begins with a home that inspires you, and we look JSV[EVH XS LIPTMRK ]SY ǻRH ]SYV dream home. Rego Sotheby’s International Realty 83-85 Front Street, Hamilton. Tel: 441-292-3921. www.regosothebysrealty.com; info@regosir.com New Resident 2019

LIVE OCEANFRONT ISLAND LIFE BECKONS

RESIDENTIAL VALUATIONS

COMMERCIAL

SALES

PROPERTY MANAGEMENT

RENTALS

TENANT SERVICES

441.292.3921 regosthebysrealty.com info@regosir.com 83-85 Front Street, Hamilton, HMAX Each Sotheby’s International Realty Office is independently owned and operated.

PROPERTY

Buying into the Bermuda Dream H

undreds of people from all over the world have bought homes in Bermuda — some because they chose to retire here, some due to work commitments on the Island, still more for vacation purposes and others for any combination of the above. Over the decades, property has grown steadily in value while 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 for foreign acquisition of a local property of 8% for houses and 6% for condos. The purpose is an honourable one — to negate the New Resident 2019

PROPERTY risk of international speculation in the local property market. These ǻKYVIW EVI PMOIP] XS VMWI MR XLI RIEV future, so now is the time to buy. If a year-round home is more than you need, there are several ǻVWX GPEWW JVEGXMSREP S[RIVWLMT 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. For expert advice on the Bermuda property market and HIXEMPW SR ǻRI LSQIW JSV WEPI contact The Property Group at 441-234-6900, email: info@tpg.bm

LEAMINGTON HOUSE

For more information on Leamington House, contact Gill Butterﬁeld on (441) 534-7746, Email: gill@tpg.bm

The Property Group has a luxury portfolio of desirable properties in Bermuda. www.property-group.com info@tpg.bm Phone: (441) 234-6900

New Resident 2019

2018 RENAULT VEHICL RANGE VEHICLE

RENAULLT Z E ELECTRIC VEHICLES

ZOE Class ‘E’

KA KANGOO ANGOO Z.E. 3 33 Class ‘IN’ 2 Woodlands Road, Pembroke Monday-Friday 8am-5pm Saturday 10am-1pm Te el: 292-3240 www.eurocar.bm Some features shown may not be available.

TRANSPORTATION

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

ER] RI[ VIWMHIRXW ǻRH driving on our roads a bit peculiar. After all, if you’re from North America, here you will be driving on the “wrong” side of narrow, single-lane roads. You will also have to adjust your speed to our 35 kph (20 mph) limit and get used to driving in what Americans call a compact or subcompact car — or small family car in British acceptation. There’s also the issue of being allowed only one car per household. Within no time, however, you will appreciate and enjoy being out and about on some of the most beautiful drives in the world. One of the pleasures of living in Bermuda is that it doesn’t take long to get anywhere, even with the slower speeds at which we ride. If you choose to live at the extreme east or west ends of the island, your commute into Hamilton will be 30 minutes or less and only 5 or 10 minutes when you live in Pembroke, Paget, or Devonshire Parishes. Prices for new cars are higher than in North America and Europe, due to shipping and import duty rates. However, we strongly

New Resident 2019

recommend buying here. There are severe restrictions on importing your own vehicle. The least-expensive car available is the Renault Kwid, currently priced at $16,250 from Eurocar. High-end luxury vehicles, such as Mercedes and BMW, cost $70,000 to $90,000. Electric vehicles are becoming popular on the island, ERH *YVSGEV EPWS SǺIVW XLI 7IREYPX >SI ER EǺSVHEFPI IPIGXVMG ZILMGPI with a “real life” estimated range of up to 186 miles — plenty for our small island. =SY [MPP EPQSWX GIVXEMRP] ǻRH running costs for a car in Bermuda less than back home. Although the price of gas (petrol) is relatively high in Bermuda compared with other countries (currently around $2 per liter, or $8 per gallon), you’ll likely FI ǻPPMRK YT MRJVIUYIRXP] HYI XS XLI short distances driven. Insurance is reasonable, and, because it’s unlikely that you will be clocking up high mileage, maintenance and repairs should be minimal. Due to our narrow roads, the size of private cars allowed in Bermuda is strictly controlled with a maximum length of 175 inches

and maximum width of 71 inches. Engine size is also restricted to a maximum of 2,500 cubic centimeters. As mentioned earlier, cars are restricted to one per household; otherwise, our roads would become far too crowded. When looking to rent a property, ensure it has an annual rental value (ARV) number available to you in order to register a vehicle. There is no restriction on the number of motorbikes or scooters you may own, and most JEQMPMIW ǻRH XLI] GER QEREKI 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 $304 for the smallest category of car to $1,678 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. 35

FESTIVE CITY

OUR TEN SPECIAL DAYS Bermudians love a holiday — and who doesn’t. Here are details of all ten that you will celebrate with us.

HAPPENING HA

GOOD FRIDAY April 19, 2019 An important day in the Christian calendar. In Bermuda this is also a HE] JSV OMXI Ǽ]MRK ERH IEXMRK GSHǻWL cakes and hot cross buns. BERMUDA DAY May 31, 2019 8LI SǽGMEP WXEVX SJ XLI 'IVQYHMER summer. There is also a halfQEVEXLSR VYRRMRK VEGI ǻXXIH HMRKL] racing and a carnival–like parade through the streets of Hamilton. NATIONAL HEROES DAY June 17, 2019 Celebrating local heroes and heroines. CUP MATCH August 1 and 2 2019 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. LABOUR DAY September 2 2019 There’s a morning march from Union Square in Hamilton. After speeches by union and political representatives, there is musical entertainment and refreshments. REMEMBRANCE DAY November 11 2019 A special service takes place at the Cenotaph on Front Street in the morning. CHRISTMAS DAY December 25 2019 Bermudians celebrate Christmas in a big way with a family feast of turkey. BOXING DAY December 26 2019 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.

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

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 acres — about the size of E ǻIPH MR 8I\EW SV E WQEPP JEVQ in Europe. It is scrupulously

clean and, thanks to its string of fragrant pocket parks, unusually green and leafy. By the standards of business cities worldwide, it is idyllic. It is surely no exaggeration that any service you might need is less than 10 minutes’ walk from anywhere else. The Hamilton Corporation, under the leadership of an elected Mayor, runs the city with

NEW YEARS DAY January 1, 2020 In Bermuda this may mean anything from a quiet day with family to further revelry. 36

New Resident 2019

FESTIVE CITY

AMILTON

Fashion Festival One of the most highly anticipated events on Bermudaâ&#x20AC;&#x2122;s social calendar with highenergy runway shows, a fashion expo, glamorous gala dinner, boat cruise and golf tournament. City Food Festival Chef and bartender competitions

and other events celebrating fine food is a must for those that love eating and drinking. Summer Sundays On Sunday afternoons during the summer local artists from differing genres take to the stage to entertain.

UYMIX IÇ˝GMIRG] 8LI (SVTSVEXMSR 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 The Christmas Boat Parade Dozens of boats decorated with thousands of lights cruise around Hamilton Harbour creating a uniquely Bermudian spectacle. New Resident 2019

HAMILTON BUSINESS MAP 1

4 A&P Marine 60 American Consulate 5 Animal & Garden House 41, 51 Argus Optical 9 AXA XL 56 Bermuda Cancer and Health Centre 73 Bermuda Center for Sleep Disorders 21 Bermuda Chamber of Commerce Bermuda Investment Advisory Services 52 20 Bermuda Media 45 Bermuda Monetary Authority (BMA) Bermuda Offshore Investment Services 14 43 Bermuda Stock Exchange 35 Bermuda Tourism Authority Bermuda Underwater Exploration Institute 57

59 Bermuda Waterworks 71 Bermuda Veterinary Services 2 BEST Shipping/Joe Vieira Trucking 6 BHS 25 Body Sculpture 34 Bus Terminal 11,40 Butterfield 38 Café 4 7 Chubb 32 City Hall 15 Coldwell Banker Bermuda Realty 50 CORE Heart Health Center 31 Corporate Concierge 24 Digicel Eurocar, Executive Autos, Prestige Autos 13

66 Fast Forward Freight 22 Ferry Terminal 55 Gov’t Information Services 53 Gov’t Offices including Immigration 65 Hamma Galleries 61 Harbourfront Restaurant 36 Headway Hair & Body 67 H.M. Customs 48 Horizon Health 62 House of India 63 In Motion School of Dance 28, 68 Island Health Services Jack Kripl (Coldwell Banker Bermuda Realty) 16 76 Keller Williams Bermuda 37 La Trattoria

4 26

12 13

25 15 16

10 18 19 23

9 20

21 22 38

New Resident 2019/20

Library Little Venice Restaurant L’Oriental Restaurant L’Oriental Express Marine Locker MarketPlace MSA Offshore Yachting & Maintenance Opposition Leader Paget Dental Group Phoenix Stores Postive Results Post Office Premier & Cabinet Office PriceRite

23 19 18 17, 58 10 46 30 75 70 72 39 12 54 69 1

33 47 8 49 26 3 44 27 74 42 64 29

PwC Red Carpet Royal Bermuda Yacht Club Rego Sotheby’s International Realty Saltus Grammar School Schroders Sears Smilesinc Stay Put Moorings & Marine Services Tangles Hair Turnkey Furniture Rentals Wee Care Pediatrics

29 27 28

30 44

43 32 33

36 35 37

42 41

52 51

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New Resident 2019/20

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INSIGHT 65,000 souls you don’t expect to have ballet and opera and theatre going on all the time. But within its limitations, there is actually quite a lot happening in amateur drama and dance (often excellent), music of all kinds, painting and even poetry. And XLIVI EVI ǻRI ǻPQ QYWMG EVXW ERH even culinary festivals throughout the year.

Fake expectations? Much of what you’ve heard about Bermuda, the bad as well as the too-good-to-be-true, is probably wrong. New Resident attempts to redress the balance Myth #1 BERMUDA’S A BAD MOVE FOR YOUR CAREER Incongruously, Hamilton (daytime population: 14,000 or so) ranks right up there with New York and London in the insurance industry and its SXLIV ǻRERGMEP WIVZMGIW WIGXSVW EVI gaining strength, too. There is hardly a global big name that doesn’t have a Bermudian presence in one form or another. In short, therefore, it is possible that the island could be a very positive step in your career. Myth #2 EVERYTHING IS GROSSLY EXPENSIVE HERE 'IGEYWI IZIV]XLMRK LEW XS FI ǼS[R MR ]SYƶPP ǻRH WSQI MXIQW WYGL EW groceries and fresh produce, more expensive than you’re used to. Other items, clothing and jewellery for example, are arguably less expensive. It can also be argued that your household budget will be very HMǺIVIRX GSQTEVIH [MXL PMZMRK elsewhere. For instance, you’ll TVSFEFP] WTIRH JEV PIWW SR KEW 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 40

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 do with light regulation, sometimes to do with low taxation — as opposed to no taxation. If this pricks your conscience, don’t worry because you as an individual will be paying your fair share of taxes. Not a lot but enough to be noticed. Myth #5 TRANSPORT IS A NIGHTMARE HERE Yes, you will be allowed only one car per household, and a small car at that. But you will soon adapt to riding a scooter or motorbike when necessary. And our ferry is a wonderful way to commute to work. Myth #6 IT’S A CULTURAL DESERT Of course, on an island of only

Myth #9 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 #10 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 #11 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 #12 IT’S POLITICALLY UNSTABLE, TOO You must be thinking about some other islands to our south? Bermuda has a long history and tradition of stable Government and seamless XVERWMXMSRW FIX[IIR HMǺIVIRX administrations following elections. The most recent Parliamentary election of July 2017 being an example of the island’s mature and open democracy. New Resident 2019

HOME HELP

Water, water everywhere Y

ou will likely become an expert on water during your stay in Bermuda, which is without freshwater lakes or rivers, and boasts few public reservoirs. Water is a prized commodity here, although it need not worry you once you know how it works. ;LIR ]SY Ǽ] MR XS XLI MWPERH you’ll be immediately struck by the pristine white roofs on almost every building. Not only does a Bermuda roof provide shelter, it acts as a catchment area for rain, which runs HS[R TMTIW JVSQ XLI VSSǼMRI XS holding tanks underground. Every home has at least one such tank. Water is pumped up from the tank as it is required, without treatment of any kind. Bermuda enjoys very clean rain, but our system can bewilder people used to big city life and the liberal doses of chemicals introduced to keep the water safe. Fear not — we’ve survived for hundreds of years quite healthily with our present system. And yes, it’s perfectly drinkable. ;LIR VIRXMRK E LSQI ǻRH SYX MJ the house has an alternate water supply. Some have a well that provides water from Bermuda's underground lens. The quality varies from slightly brackish and suitable SRP] JSV ǼYWLMRK XS ZIV] TYVI Alternatively, you may rent a house hooked up to Watlington Water, a private company and the only pipeline service which pumps water produced by brackish and sea water desalination. Either of these options can be a useful adjunct, but the majority of Bermuda residents survive quite comfortably on tank water alone. The trick is to use water conservatively. Such simple measures as not leaving taps running unnecessarily can ensure New Resident 2019

that you will avoid depleting your water supply. Find out where the access to your tank is located, and keep an eye on the water level. At times of the year when the rainfall is low — usually summer, but occasionally in the winter months too — watch your tank level carefully. If it reaches the quarter-full stage, that’s the time to consider buying water. Water truckers are listed in the telephone directory and online, and they will pump a load of approximately 900 imperial gallons straight into your tank for around $90. Make sure you order before you run dry, since if you run out, the chances are that others will have too, and it might take a few days for the truckers to get to you. Helping Hands Garden Maintenance is usually the tenant’s responsibility under most leases, and there is a good choice of landscaping companies available XS LIPT 8LIWI ǻVQW [MPP ZMWMX ]SYV property for grass and hedge cutting, usually twice a month in the summer and once a month in the

[MRXIV 8LIMV UYEPMǻIH WXEǺ GER EPWS advise on planting, care of citrus trees and so forth. Pool maintenance, likewise, can be made simple with the help of a pool company. Your landlord may be able XS VIGSQQIRH E ǻVQ Domestic help for cleaning is also available. Expect to pay in the range of $25 an hour for housekeeping help. Individual cleaners and cleaning companies are used to doing their work when you’re out doing yours. That perfect cleaning PEH] MW IEWMIV XS ǻRH XLVSYKL ER employment agency that specialises in this kind of work. Some companies will even provide a team of cleaners to descend on your home regularly. Baby-sitters are also plentiful in Bermuda. Price varies, but expect to pay $10 to $15 an hour. If you require full-time help with your children during the day, the employment agencies are a good place to start. =SY GER EPWS WIIO E UYEPMǻIH RERR] to live in. Pest control, given Bermuda’s hot and humid climate, is sometimes a necessary service. This is not to TYX ]SY SǺ FYX XS PIX ]SY ORS[ XLEX if you have a problem with bugs SV ǼIEW [LMGL GER FI E WYQQIV time problem for pets and their owners), a number of pest control companies will visit your house and spray regularly. Trash, until mid-2018, was collected twice a week, but is now being collected only once a week, through a free Government service. In Bermuda we recycle tin, aluminum and glass (TAG). Other items, such as plastic, paper and cardboard that you may be used to recycling, are handled as regular trash here, as they help fuel the incinerator in which trash is burned. To recycle, tins, jars and bottles should be rinsed, tops removed and all placed in a blue bag. Batteries, paint, electrical appliances, other hazardous and bulky item should be taken to the 8]RIW 'E] TYFPMG HVST SǺ PSGEXIH on Palmetto Road, Devonshire, which is open seven days a week. For more information visit www. KSZ FQ KEVFEKI ERH VIG]GPMRK 41

SCHOOLS

Top Class A tiny island in the middle of nowhere â&#x20AC;&#x201D; how could it possibly have adequate facilities for the schooling of the most important child in the world â&#x20AC;Ś yours!

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 UYEPMÇťIH 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 â&#x20AC;&#x201D; whether Government run or private â&#x20AC;&#x201D; 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 ÇťZI =SY LEZI E GLSMGI SJ public and private institutions â&#x20AC;&#x201D; all coeducational and with curricula that blend North American and British systems. Many people from overseas plump for private schools here. The fees can reach up to $22,000 a year. There EVI WGLSSPW KIEVIH WTIGMÇťGEPP] FYX

THE INTERNATIONAL BACCALAUREATE AT BHS

THE WORLD NEEDS COLLABORATORS, THINKERS, INNOVATORS & LEADERS. Â&#x201E;Ä&#x153;ÄšĂ?ĂĽ Ć&#x2013;Ç&#x2C6;Ç&#x2C6;Ĺ&#x17D;Ă&#x2DC; Ć&#x2039;Ä&#x2DC;ĂĽ F Ĺ&#x17E;ĹłĹ&#x2026;Ä?ĹłÂąÄľÄľĂĽ ÂąĆ&#x2039; BÂ&#x201E; Ä&#x2DC;ÂąĹ¸ Ă&#x2020;ĂĽĂĽÄš Ĺ&#x2026;Ă˝ĂĽĹłÄ&#x153;ÄšÄ? students a personalised approach to their pre-tertiary education to ensure that they reach, and often exceed their potential. With small class sizes, a wide variety of courses to choose from and two Pathways to pursue, IB at BHS will help ĆźĹ&#x2026;Ć&#x161; Ă&#x161;Ä&#x153;Ĺ¸Ă?Ĺ&#x2026;Ć´ĂĽĹł ÂąÄŹÄŹ ĆźĹ&#x2026;Ć&#x161; Ä&#x2DC;ÂąĆ´ĂĽ Ć&#x2039;Ĺ&#x2026; Ĺ&#x2026;Ă˝ĂĽĹł ÂąÄšĂ&#x161; Ĺ&#x17E;ĹłĂĽĹ&#x17E;ÂąĹłĂĽ ĆźĹ&#x2026;Ć&#x161; ĂźĹ&#x2026;Ĺł Ć&#x2039;Ä&#x2DC;ĂĽ next step in your education.

ou lou; bm=oul-ŕŚ&#x17E;om 1om|-1| |_; ;-7 o= l-m7- 1 om-Ń´7 -l17om-Ń´7Ĺ 0_vÄş0l 278-3016

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not exclusively) for Catholics and Seventh-Day Adventists, as well as Montessori schools. The school year lasts close to 40 weeks, from early September to late June, with Christmas (two weeks), 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 SÇşIVW JYPP ERH TEVX XMQI courses in a wide variety of subjects, many of which can be credited towards degrees. www.college.bm.

PRIVATE SCHOOLS BHS (Bermuda High School) Linda Parker 19 Richmond Road, Pembroke HM 08 Tel: 295-6153 Email: info@bhs.bm Web: www.bhs.bm Chatmore British International School Clare Sweeney 9 St Marks Road, Smiths, FL06 Tel: 236-3339 Email: admissions@chatmore.org Web: www,chatmore.org Mount St Agnes (Catholic) Susan Moench 19 Dundonald Street West, Hamilton HM 09 Tel: 292-4134 Email: QWESÇ˝GI%QWE FQ Web: www.msa.bm Saltus Grammar School Deryn Lavell PO Box HM 2224, Hamilton HM JX Tel: 292-6177 Email: info@saltus.bm Web: www.saltus.bm SQIVWÇťIPH &GEHIQ] Carlos Symonds 107 Middle Rd, Devonshire DV 06 Tel: 236-9797 Email: MRJS%WSQIVWÇťIPH FQ Web: [[[ WSQIVWÇťIPH FQ Warwick Academy David Horan 117 Middle Road, Warwick PG 01 Tel: 236-1917, Primary 239-9460 Email: info@warwick.bm Web: www.warwick.bm New Resident 2019

SCHOOLS

World-class MSA uses the Alberta Programs of Study, which is recognised as one of the world leaders in education.

ue Moench, the MSA Principal, says the school transitioned to the Alberta Programs of Study in 2009 and the curriculum has since proven that MSA is providing the best educational opportunities possible for its students. She says, “We needed to guarantee that our students were attaining a level of achievement equivalent to standards in North America and the UK.” The Alberta Programs of Study is held in high regard by universities around the world and MSA students write the rigorous Alberta Diploma Exams. Since switching to this world-recognised Canadian curriculum, recent MSA graduates are seeing their course grades scaled an additional two to four percent upwards by Canadian Universities during their admission process as well as acceptance by UK Universities. 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 school campus is conveniently located within the City of Hamilton ERH SǺIVW E ZEVMIX] SJ I\XVE curricular options in 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.

New Resident 2019

PREPARING BERMUDA’S YOUTH FOR A BRIGHT FUTURE MSA’s internationally recognised curriculum provides a nurturing and caring environment, while challenging students to excel and reach their full potential. Using an inquiry-based teaching method from Pre-K to Grade 12, students are engaged in a collaborative and interactive approach to learning. Our program promotes skills that help students build on what they are learning, how they think, and what they can achieve, ultimately preparing them for postsecondary education and the working world. Join the MSA family.

19 Dundonald Street West, Hamilton | Telephone: 292-4134 Email: admissions@msa.bm | Website: www.msa.bm

SCHOOLS

The Saltus Edge

altus is an independent day school that sets itself apart by focusing on its unique international experience, preparing students for success at colleges and universities from Cambridge, UK to Cambridge, USA â&#x20AC;&#x201C; and everything in between. Its students will one day be leaving this idyllic island, fanning out across the globe to pursue their studies. Saltus believes its job is not simply to help them get through high school, but to give them the tools theyâ&#x20AC;&#x2122;ll need to thrive, no matter where their passions take them. Saltus recently undertook a major planning exercise to position the school for the future. The result is The Key, a strategy that focuses on strengthening its programme, building its community, ensuring its sustainability and maintaining a reputation for excellence that is recognisable around the world. With these priorities, Saltus provides a seamless, progressive academic experience from Lower Primary right through to the end of Senior School. With two stunning campuses, students enjoy an enhanced learning environment that is full of life, energy and discovery. Sports, the arts, music, drama and robotics, are just a few of the many cocurricular options available to all Saltus students, rounding out their education and encouraging their love of learning.

New Resident 2019

SCHOOLS

Independent and

inspirational BHS inspires students to be the very best that they can be

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 co-educational in the ǻREP X[S ]IEVW JSV XLI .' )MTPSQE programme. The school’s mission is to educate students to the highest international standards ERH XS JSWXIV GSRǻHIRX VIWMPMIRX and responsible global citizens. BHS was founded on a vision to provide a better future for girls in Bermuda, and has always been forward thinking. BHS is the only all-girls’ school on the island, it has the most established IB Diploma Programme in

The new Innovation Centre

Bermuda for young women and men. It is the only Round Square school in Bermuda, which provides its students

with an international learning experience and opportunities to take part in exchanges, service trips and conferences around the world. With the construction of the 14,000 square foot Innovation Centre for STEAM subjects (Science, Technology, Engineering, Arts and Maths), BHS is continuing the legacy it started MR ERH ǻVQP] IWXEFPMWLMRK itself as a pioneer in education in Bermuda. Set in the heart of Hamilton, the BHS campus is a place where students acquire critical and creative thinking and dynamic problem-solving skills in an inspirational learning environment. They are also given every opportunity in sports, the performing and visual arts, and EVI SǺIVIH E [MHI ZEVMIX] SJ I\XVE curricular activities. You are invited to visit BHS by contacting the Director of Admissions and Inclusion, Mrs. Kurte Loescher, telephone 2783047, email kloescher@bhs.bm

n ce I n spirin g Exce lleip a n d Lea de rsh

Her Potential. Our Promise. From day one at BHS, your daughter will be nurtured in a diverse and engaging environment where she will learn from teachers who know how girls learn best. Our unique school environment presents more opportunities and encourages students to take risks in an environment purposefully constructed to support and challenge girls.

Come and have a look around!

We’d love to show you our school and answer any questions you may have. Contact Mrs. Kurte Loescher, Director of Admissions & Inclusion, for more information and to arrange a tour: Tel: 278-3047 or Email: admissions@bhs.bm The Bermuda High School for Girls 19 Richmond Road Pembroke HM 08 www.bhs.bm

New Resident 2019

SCHOOLS

The path that suits best

arwick Academy is an International Baccalaureate (IB) World School and Council of International Schools (CIS) member school catering to 820 students from Reception through to Year 13 (Pre-K to Grade 12). It also happens to be the oldest continually operating school in the western

hemisphere at 357 years old. The WGLSSP SǺIVW XLI .RXIVREXMSREP Early Years Curriculum (IEYC), the UK National Curriculum and International Primary Curriculum (IPC) from Year 1 to 9 (Kindergarten to Grade 8), International General (IVXMǻGEXI SJ IGSRHEV] *HYGEXMSR (IGCSE) examinations in Year 10 and 11 (Grade 9 and 10) and the IB

Human Rights Friendly School

Diploma, IB Individual Subjects and Business and Technology Education Council (BTEC) programme in Year 12 and 13 (Grade 11 and 12). Students who graduate from the school TVIHSQMREXIP] EXXIRH 9RMZIVWMX] College in the United Kingdom, Canada and United States. In addition, the school has vibrant music, drama, sport, leadership and community service programmes ERH SǺIVW E ZEVMIX] SJ GS GYVVMGYPEVW The school enjoys a strong EGEHIQMG VITYXEXMSR SR ERH SǺ island, whilst remaining innovative and relevant; balancing modern approaches with past experience. It LEW HIZIPSTIH E ǼI\MFPI ETTVSEGL XS IHYGEXMSR SǺIVMRK TEXL[E]W for students to navigate which best meets their needs and its personalised approach to pastoral care creates a happy school with a climate of learning, collaboration and school spirit. Warwick has a rolling admissions process in place which means it welcomes applications at any time. The main points of entry in the Primary School are Reception Year, Year 1 and Year 5; and in the Secondary School Year 7, Year 10 and Year 12. Interested students will regularly enjoy a ‘shadow day’ to experience a day in the life of a Warwick Academy student. If you would like to apply, request a ‘shadow day’ or for further information you are invited to contact the Director of Admissions, Mrs Rochelle Lee, email: rlee@warwick.bm or the Principal, Mr. David Horan, email: dhoran@warwick.bm New Resident 2019

SCHOOLS

For the 21st century global learner

SQIVWÇ»IPH &GEHIQ] [EW founded in 1991 by a group of parents who created the Montessori Education Trust. The school was originally known as Montessori Academy but changed MXW REQI XS SQIVWÇ»IPH &GEHIQ] when it relocated to Devonshire MR SQIVWÇ»IPH &GEHIQ] MW overseen by a Board of Governors on behalf of the Trust, and is led by a Principal with the support of three Division Heads. SQIVWÇ»IPH &GEHIQ] FSEWXW students ranging in age from 3 to 18 years old. The school is divided into three divisions: The Childrenâ&#x20AC;&#x2122;s House, Primary and Secondary. The school MW EÇ½PMEXIH [MXL 3EXMSREP &WWSGMEXMSR of Independent Schools (NAIS), Canadian Accredited Independent Schools (CAIS), American Montessori Society, International Baccalaureate .' ERH **) SQIVWÇ»IPH &GEHIQ] is Bermudaâ&#x20AC;&#x2122;s only continuum school SÇºIVMRK E 2SRXIWWSVM WXEVX .' Middle Years Programme and the IB )MTPSQE 5VSKVEQQI XS Ç»RMWL SQIVWÇ»IPH MW EP[E]W HIWGVMFIH by visitors as welcoming and warm with a sense of energy and innovation. The campus is beautifully landscaped and has seen extensive building development in recent years. Under the leadership of Mrs. Kate Ross, the islandâ&#x20AC;&#x2122;s most experienced IB Diploma Coordinator, SQIVWÇ»IPH MW SR XVEGO XS HIPMZIV the world-renowned IB Diploma Programme (DP) commencing in September 2019. 8LI .' )MTPSQE EX SQIVWÇ»IPH Academy provides a robust preparation for tertiary education and the workforce. Students aspiring to be doctors, lawyers, engineers, entrepreneurs, actuaries and artists, as well as those who are undecided about their future careers, will Ç»RH SQIVWÇ»IPHÆ¶W VERKI SJ )5 courses will meet the admission VIUYMVIQIRXW XS EPPS[ XLIQ XS JYPÇ»P those dreams. SQIVWÇ»IPH &GEHIQ] MW extremely proud of its dedicated XIEGLMRK JEGYPX] ERH WXEÇº [LS

New Resident 2019

all hold designations in post graduate Montessori teacher training or IB training and support their students both academically,

socially and emotionally with the aim to provide a truly holistic education to every student. The school is open for admissions now. This is a wonderful opportunity for your child to join a dynamic and diverse student body, supported by highly UYEPMÇ»IH ERH I\TIVMIRGIH XIEGLIVW in programmes of study designed for the 21st century global learner.

SCHOOLS

Teaching the way students learn

t Chatmore British International School, you’ll ǻRH E GS IHYGEXMSREP inclusive and internationallyminded environment for children age 2 to16. Chatmore’s integrative approach to learning promotes collaboration and critical thinking while developing strong interpersonal skills and global citizenship. Its Early Years

programme has a strong focus on language development and lays the foundation for skills required to GSQTPIXI . ,( *W MR IGSRHEV] Chatmore is a deliberately small school, to allow for personalised learning and low student-teacher ratios. Its experienced teachers implement an internationallyrecognised curriculum, using outdoor classrooms and experiential

learning to add real-world meaning to core concepts. Care for your little ones in Early Years promotes wholechild development, purposeful play and inquiry, all supported by Chatmore’s speech and language therapist. As they grow, learning is geared for their developing brains, fostering responsibility, dynamic TVSFPIQ WSPZMRK ERH WIPJ VIǼIGXMSR Chatmore believes in teaching the way students learn. To do this well, it places high priority on getting to know each of its students and their families, continuing the legacy of being a family-centred school since 2004. 1SGEXIH ǻZI QMRYXIW JVSQ XLI City of Hamilton, Chatmore’s lush campus provides opportunities for gardening, tennis and more. The school utilises the island as its extended campus to provide realworld experiences, bringing learning to life. From Early Years through to Secondary, Chatmore’s students are inspired to be the creators, innovators, discoverers and leaders of tomorrow.

New Resident 2019

SCHOOLS

A selection of private nurseries and pre-schools Aerieâ&#x20AC;&#x2122;s Adventures, Devonshire Ages XS TYTMPW WXEÇº Tel: Michelle Caesar, 232-3743 Adventureland Pre-School, Warwick Ages: Â&#x201A; XS TYTMPW WXEÇº Tel: Ryan Minors, 238-8032 Bda Montessori School, Pembroke Ages: QSRXLW XS TYTMPW WXEÇº Tel: Julie Durrant, 292-7209 Bloomfield, Paget Ages: XS TYTMPW WXEÇº Tel: Debbie Walsh-Brown, 2324047

Bright Beginnings, Pembroke Ages: QSRXLW XS TYTMPW WXEÇº Tel: Victoria Cunningham, 238-5160 Cornerstone Academy, Devonshire Ages: QXL XS TYTMPW WXEÇº Tel: Cheryl King, 292-7191. Little Learners Nursery, Pembroke Ages: QSRXLW XS TYTMPW WXEÇº Tel: Christine Larrivee, 292-8326 Mount St. Agnes (Catholic) Early Learning Programme Ages: ]IEVW WXYHIRXW WXEÇº Tel: 292-4134 Â&#x192;Å&#x2026;ÄµÃ¥Å³Å¸Ä&#x20AC;Ã¥Ä¬Ã&#x161;Æ&#x2030; Ã&#x17D;Â°Ã&#x161;Ã¥ÄµÆ¼, Devonshire Ages: XS ]IEVW TYTMPW WXEÇº Tel: Janice Outerbridge, 236-9797

Play With A Purpose Nursery, Warwick Ages: XS TYTMPW WXEÇº Tel: Jennifer McLeod, 236-4835 www.play.bm Saltus Foundation Year Cavendish Campus Devonshire &KI XYHIRXW WXEÇº Tel: Amanda Skinner, 292-6177 School House Nursery, Devonshire Ages: Â&#x201A; XS TYTMPW WXEÇº Tel: Katie Adams, 236-2830 Stepping Stones Nursery, Devonshire Ages: Â&#x201A; XS TYTMPW WXEÇº Tel: Julie Goodwin, 293-8031 Tree Tops Pre-School, Smiths Ages: XS TYTMPW WXEÇº Tel: Merle Doars, 236-9281 Tree Tops 2, Southampton Ages: XS TYTMPW WXEÇº Tel: Sarah Oatley, 238-6025 Warwick Academy Reception Year., Warwick Ages: ]IEVW TYTMPW WXEÇº Tel: 236-1917

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New Resident 2019

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JUST FOR KIDS

The Ultimate Kids Playground Whatever your kids’ interests — ballet or baseball — there’s almost certainly an active group for them to join.

[S KVSYTW XLEX SǺIV XIEQ sports for kids aged 5 to 12 are the Bermuda Youth Sports Programme (BYSP) at the west end of the island, and the Youth Athletic Organisation (YAO) at the east end. No one is turned away, and every child gets a chance to play. These SVKERMWEXMSRW SǺIV 8 FEPP ERH PMXXPI

league baseball (April to June), soccer (October to December), and basketball (January to March). There is also a thriving youth roller blade hockey group that meets at Admiralty Park on the North Shore (www.bermudaballhockey. pointstreaksites.com). Golf lessons are available at

Port Royal Golf Course (www. portroyalgolfcourse.com) and through the Bermuda Junior Golf Programme, which accepts top prospects for coaching and tournament play. Tennis is available through Coral Beach & Tennis Club (www.coralbeachclub.com) and the National Tennis Center (www.blta. bm). There is a popular junior programme at the Bermuda Squash Club (www.bermudasquash.com). As you would expect on an island, there are numerous swim clubs. Harbour Swim Club (www.harbourswimclub.bm), Sharks (www.sharksswimclub.bm) and Dolphins (www.dolphins.bm) are three of the most popular. Those who wish take gymnastics seriously should consider joining the Bermuda Gymnastics Association (www.bermudagymnastics.bm). Bermuda’s premier dance school MW .R 2SXMSR .X SǺIVW TEVIRXW ERH tots classes for children 18 months to three years, right on up through all age groups, with classes in jazz, tap, ballet, modern dance, and more. Public performances are held throughout the year (www. inmotionbda.com). Popular for indoor recreation — and especially birthday parties — is The Playtrium, with soft play areas for toddlers and a large climbing frame for four- to nine-year-olds (www. theplaytriumbda.com). For young people interested in the environment, we recommend joining the Bermuda Zoological Society (BZS), the support charity for the aquarium, museum, and zoo. BZS provides a wide variety of programmes for children and parents throughout the year (www.bamz.org). Similarly, the Bermuda Underwater Exploration Institute has many camps and activities geared toward children aged seven to 13. Schools close during the summer in Bermuda for up to 11 weeks. But don’t worry — a seemingly endless number of summer camps spring into action. =SYƶPP ǻRH HIXEMPW SJ QER] SJ XLIQ EX www.BermudaCamps.com. New Resident 2019

JUST FOR KIDS A Bermuda Zoological Society membership is the best

FAMILY ENTERTAINMENT value around!

The good beach guide W

hen you tell your kids that they are going to the beach their faces will light up. This is where they can yell and play and no one tells them to be quiet. They can collect seashells, build a sand castle, explore for crabs and boogie board on the waves all day long. And youâ&#x20AC;&#x2122;re never far from a world-class beach in Bermuda. Here are some of the best of our public beaches, and we can guarantee you will not be disappointed with their beauty. CLARENCE COVE Admiralty House Park, Pembroke: tranquil sandy inlet with caves and tunnels to explore. ELBOW BEACH South Shore, Paget: lovely spot with a lunch wagon for snacks. Not to be confused with the adjacent Elbow Beach Hotelâ&#x20AC;&#x2122;s private beach. WARWICK LONG BAY South Shore, Warwick: start of the spectacular South Shore sequence. HORSESHOE BAY South Shore, Southampton: rated among the [SVPHÆ¶W Ç»RIWX FIEGLIW 7IWXEYVERX and bar, changing facilities, showers, lockers, beach equipment rentals. Lifeguard on duty in summer. CHURCH BAY South Shore, Southampton: ideal for snorkeling. MANGROVE BAY Somerset: tranquil [MXL QEKRMÇ»GIRX TERSVEQMG ZMI[W JOHN SMITHâ&#x20AC;&#x2122;S BAY South Shore, Smithâ&#x20AC;&#x2122;s: popular neighbourhood beach with restrooms, lunch wagon and summer lifeguard. Great WRSVOIPMRK EPSRK [IWXIVR GPMÇºW TOBACCO BAY St Georgeâ&#x20AC;&#x2122;s: pleasant little beach with restaurant and bar, beach equipment and snorkel rentals, showers, restrooms and changing facilities. CLEARWATER BEACH St Davidâ&#x20AC;&#x2122;s: two sheltered beaches with restaurant, picnic grounds and summer lifeguard. Umbrellas, beach chairs, barbecues and lilos for rent.

New Resident 2019

MEMBERSHIP SUPPORTS: â&#x20AC;¢ â&#x20AC;¢ â&#x20AC;¢

Exhibit development at the Bermuda Aquarium, Museum & Zoo Over 8,000 hands-on educational experiences for Bermudaâ&#x20AC;&#x2122;s school children each year Important research and conservation initiatives, such as the Bermuda Turtle Project

MEMBERS CAN ENJOY: â&#x20AC;¢ â&#x20AC;¢ â&#x20AC;¢

Free entry to the Bermuda Aquarium, Museum & Zoo 364 days a year Discounted member experiences, such ass Harrington Sound Harrring ngtton So Soun und d Boat Tours, Whale Watching Excursions, s,, Glow G ow Worm Gl Worm orm Cruises Crui Cr uiise sess 10% discount in the Shop at BAMZ Z

WANT TO BECOME E A MEMBER? Visit our website at www.bzs.bm

40 North Shore Road, Flatts FL 04 www.bzs.bm â&#x20AC;¢ 441-293-2727 Bermuda - Registered Charity (#179)

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UNLOCK THE SECRETS

PETS

Help your dog keep its cool Bermuda’s summer weather can present challenges for dogs. As a dog owner, there are several factors to consider to ensure that your dog remains cool, comfortable, and healthy.

void walking your dog during the hottest hours of the day (10am to 5pm). Brachiocephalics (pug-nosed dogs) should only be given short walks on summer days, regardless of the time of day. When walking, SǺIV ]SYV HSK WLSVX FVIEOW [MXL water and try to keep to shaded paths such as the Railway Trail, as opposed to tarmac and concrete paths. Never leave your dog alone in your car, even for just a few minutes. Dogs can die from

heatstroke in a very short time. If your dog is overweight and not used to regular exercise, don’t start walking him or her during the heat in the summer. Start with WLSVX [EPOW YRXMP XLI HSKƶW ǻXRIWW level improves and he or she has dropped some weight. Long-haired dogs and thickcoated dogs are more sensitive to the heat. Keep your dog well groomed with regular combing to remove mats and loose hair. Dogs [MXL XLMR LEMV ERH PMKLX TMKQIRX WOMR JYV EVI QSVI TVSRI XS WYRFYVR

HEAT: Ambient temperatures in the mid- to high 80s challenges a dog’s ability to remain cool. Dogs cannot sweat like humans and do not lose body heat through evaporation of sweat. HUMIDITY: The daily humidity in Bermuda year-round is high, especially in the summer. Humidity compounds XLI IǺIGX SJ LIEX ERH QYWX FI JEGXSVIH MR IWTIGMEPP] when considering exercise. ALLERGIES: In the summer, grass allergies can worsen, causing dogs to itch more than usual. 52

Dogs should not be tied out unsupervised in the yard, as they run the risk of getting tangled, with no way of escaping the heat of the sun. If a dog must be tied out, he or she should be in an area that provides ample shade. As with humans, dogs require more drinking water in the summer. Clean, fresh water should be provided at all times in a shaded spot in a container that cannot be knocked over. The container should be checked frequently. Remember that, even if your dog has been swimming, he or she can still get overheated if running excessively or not being able to get out of the sun. When boating with your dog, make sure you provide a cool shaded area on the boat, preferably with a breeze. If you suspect that your dog may have become overheated, wet him or her down with cool water as soon as possible and call your veterinarian. He or she can help assess whether the problem is resolvable at home or if the dog needs emergency treatment. Dogs WYǺIVMRK JVSQ LIEXWXVSOI RIIH emergency treatment as soon as possible to prevent complications than can be fatal. Advice from Dr. Andrew Madeiros, owner of Ettrick Animal Hospital in Warwick. His practice has been providing veterinary care for Bermuda’s pets for 47 years in a professional and friendly environment. The medical team has more than 140 combined years of experience, and Dr. Madeiros continues to invest in his staff and in new technologies to ensure ongoing provision of excellent animal medical care.

Reddened moist skin is more susceptible to infection. WEIGHT: Large dogs and overweight dogs are more TVSRI XS WYǺIVMRK JVSQ XLI LIEX EW XLI I\XVE FSH] QEWW ERH JEX VIXEMRW QSVI LIEX QEOMRK MX QSVI HMǽGYPX JSV XLIQ XS GSSP SǺ BREED: Brachiocephalic breeds (snub-nosed dogs WYGL EW 5YKW 'SWXSR 8IVVMIVW 2EWXMǺW +VIRGL Bulldogs, Boxers, etc.) have narrower airways, which QIERW XLI] LEZI QSVI HMǽGYPX] QSZMRK EMV ERH EVI particularly prone to heat-related complications. New Resident 2019

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PETS

Our deadly toads T

he cane toad (Rhinella marina), also known as the giant neotropical toad or marine toad, is the world’s largest toad. It is native to South and mainland Central America, but has been introduced to Northern Australia, various Caribbean islands, Florida and Bermuda. Cane toad poisoning can be lethal to your dog. Know the signs to look out for and what to do if you suspect that your dog has been exposed. The cane toad has two glands located on its back that secrete a toxin. The secretions are highly toxic to dogs, cats and other animals, and can cause skin irritation in humans. The tadpoles are also highly toxic to most animals if ingested. In dogs, the toxin can cause seizures and can also slow the dog’s heart rate down to a dangerously slow rate.

The smaller the dog is, the greater the risk of a lethal dose of toxin. )SKW GER FI EǺIGXIH F] XLI toad’s toxin by just licking or mouthing a toad. If your dog has GSRXEGX [MXL E XSEH XLI ǻVWX WMKR MW usually hypersalivation or foaming at the mouth, and often its gums will turn bright red in colour. The toxin is absorbed through mucous

membranes — your dog’s gums, tongue, throat. If you suspect your dog may have had contact with a toad, wipe your dog’s mouth out thoroughly with a damp cloth. Do not hose your dog’s mouth out, give your dog vinegar, baking soda or anything else. Your dog may be neurological and start to have seizures due to the toxin. Contact your veterinarian immediately to have your dog examined; time is of the essence with toad poisoning. Your veterinarian will then be able to treat any seizures if and when they occur and assess whether your dog needs additional supportive therapy, such EW .: ǼYMHW ERH EGXMZEXIH GLEVGSEP For more information on this important subject, contact Bermuda Veterinary Services, 1 The Lane, Paget. Tel: 232-8387.

New Resident 2019

PETS

Bringing your pet to Bermuda

ravelling to Bermuda with your canine or feline companion requires a bit of planning but is quite an easy process if you get started early enough. Bermuda currently enjoys status as a rabies free jurisdiction. As such, the import regulations for companion animals are set up to maintain this status, and obtaining an import permit from the Bermuda Government Department of Environment and Natural Resources is required. Firstly, your pet must be implanted with a microchip that can be read by any standard microchip reader. This is usually done at a very early age but can be done by your vet at any age. Your pet must have an ID chip for entry. If you are arriving directly from the United Kingdom, Australia, New Zealand or Jamaica, your pet is permitted to enter without having any rabies vaccinations. For those travelling from the US, Canada or other countries where rabies is present, your pet must have been rabies vaccinated. To enter Bermuda, your pet has to have received two rabies vaccinations. There must be at least a six-month interval between the rabies vaccinations with the most recent one being given at least thirty days before arrival. This means that if your pet has never had a rabies vaccine, it will take a minimum of seven months prior to travel for them to qualify for entry. If your pet has already been receiving annual rabies 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

New Resident 2019

description and microchip number of the pet, along with the owner’s name and address. Your vet must apply a tick preventative to your pet and state that they have done so, including naming the medication YWIH SR XLI LIEPXL 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 *RZMVSRQIRX [[[ KSZ FQ SRPMRI WIVZMGIW MQTSVX HSK SV GEX For local vet services and information, visit www.endsmeet.bm. Tel: 236-3292.

dedicated to helping your pet achieve

The Highest Quality Of Life

We love what we do...

168 Middle Road , Devonshire . Ofﬁce (441) 236 - 3292 Emergency Pager (441) 694 - 0703 . www.endsmeet.bm

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

e donâ&#x20AC;&#x2122;t have snakes or coyotes in Bermuda, but that doesnâ&#x20AC;&#x2122;t mean we donâ&#x20AC;&#x2122;t have critters that could harm your pet. You are allowed to walk your dog on a leash on public beaches in the winter months; if you do, watch out for Portuguese Man-O-War, a NIPP]ÇťWL PMOI SGIER GVIEXYVI XLEX ÇźSEXW SR XLI WYVJEGI SJ XLI [EXIV and often washes ashore. The long tentacles pack a mighty sting and pose a serious threat to people and pets. If stung, adults often have to make a hospital visit, and your pet may require immediate attention from a vet. Another small animal to look out

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for is the Bermuda toad. These can grow quite large and are toxic to dogs. Donâ&#x20AC;&#x2122;t let your dog pick up a toad with its mouth. Plus, certain toads also secrete a deadly toxin through their skin, so just licking or touching a toad could require emergency attention. Symptoms may include severe drooling, head shaking, pawing at the mouth or I]IW HMEVVLIE HMÇ˝GYPX] 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[ Çź]MRK MRWIGXW MR Bermuda, but mosquitoes can be a problem in the summer months. If your dog is bitten, it may lead to heartworm. 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 doesnâ&#x20AC;&#x2122;t chew on Sago palms, which have toxic properties. Severe liver damage and death can occur. Also, youâ&#x20AC;&#x2122;ll see Oleander hedges along the roadside and in gardens throughout the island. They may look pretty, but Oleander is poisonous to many species, including cats and dogs. There have even been cases on the Island where cows have died from ingesting Oleander. Finally, our tropical, humid climate can cause ear infections MR ÇźSTT] 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 dogâ&#x20AC;&#x2122;s ears dry and on how often you should clean them. New Resident 2019

HEALTH CARE

In Perfect Health

Dental care is of a very high standard

have a world-class facility of our own (see next page). Formal overseas partners include some of the very best hospitals in the United States such as the New York Presbyterian Hospital, Johns Hopkins in Baltimore, and, in the Boston area, the Lahey Clinic, Massachusetts General Hospital, Dana Farber Institute, Brigham & Womenâ&#x20AC;&#x2122;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 ÇźS[R SZIVWIEW for treatment, but if you do, you will be in the care of some of the top medical practitioners in North America. ;LEX ]SY [MPP ÇťRH 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 Continued on page 60

New residents to Bermuda typically have two primary concerns: â&#x20AC;&#x153;What is the quality of health care on the island and what does it cost?â&#x20AC;?

AVAILABLE EXCLUSIVELY AT he good news is that the standard of health care here is high. All doctors and dentists QYWX FIGSQI FSEVH GIVXMÇťIH FIJSVI they can practice. LOCATIONS We only have one hospital, the King Edward Memorial Hospital (KEMH). A new state-of-the art wing opened in 2014 at a cost of $247 million. This wing has most of the features and services you would I\TIGX MR E ÇťVWX [SVPH LSWTMXEP ARGUS OPTICAL COMPANY You can sleep easily knowing 11 PARLIAMENT STREET HAMILTON HM 12 | HOURS 9AM-5:30PM that your medical needs can be OPTICAL ( ARGUS ) ( ) COMPANY (441) 292-5452 (441) 292-0097 ARGUS OPTICAL COMPANY very well taken care of on the 25 REID STREET HAMILTON | HOURS 9AM-530PM 11 PARLIAMENT STREET HAMILTON 12 | HOURS 9AM-5:30PM 25 REID STREET HAMILTON | HOURS HM 9AM-530PM island. Most medical conditions and (441) 296-EXAM 292-5452 (441) 292-0097 (441)(441) 296-EXAM emergencies are treated here, but YEGLASSES SUNGLASSES EXAMS 25 REID STREET HAMILTONCONTACTS | HOURS 9AM-5PM patients requiring highly specialised YEGLASSES SUNGLASSES CONTACTS EXAMS (441) 296-EXAM treatment, such as heart surgery ERH GERGIV XVIEXQIRX EVI ÇźS[R XS EYEGLASSES SUNGLASSES CONTACTS EXAMS SUNGLASSES CONTACTS EXAMS top hospitals in the United States SUNGLASSES CONTACTS EXAMS EYEGLASSES and Canada. Until recently, patients requiring radiation treatment also had to leave the island, but now we

New Resident 2019

www.CHC.bm

early cancer detection and radiation therapy When you want the highest standard and quality of care, choose Bermuda Cancer and Health Centre. With the convenient central location, free parking and highly trained compassionate VWDÎ? RXU QRW IRU SURČ´W SURYLGHV \RX HDV\ DFFHVV DQG DÎ?RUGDEOH VHUYLFHV To make an appointment for screening mammograms, call direct 236-1001, for all other services speak to your doctor about making Bermuda Cancer and Health Centre your choice.

diagnostic imaging 3-D and Digital Mammography Breast Biopsy and Prostate Biopsy Bone Densitometry Ultrasound Services

radiation therapy 95% of cancer cases, where radiation therapy is recommended, can be treated at our with state-of-the-art unit. Bermuda Cancer Dana-Farber/ Brigham and Womenâ&#x20AC;&#x2122;s Cancer Center for Radiation Therapy.

236-1001

info@chc.bm

www.chc.bm

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HEALTH CARE

Equal access to cancer

services on island With one in three people worldwide being diagnosed with cancer, it is likely you or someone you know has been EǺIGXIH F] XLMW HMWIEWI EW [IPP 'IVQYHE (ERGIV ERH Health Centre is the Island’s leading entity providing cancer prevention, early detection, treatment, and support care for those in need

he Bermuda Cancer and Health Centre (BCHC) is E VIKMWXIVIH RSX JSV TVSǻX charity, working to serve the community, building healthier lives free of cancer and disease. Clinical services include 3D and digital mammography, ultrasound, breast and prostate biopsy, bone densitometry, and radiation therapy cancer treatment. Prevention is a vital part of BCHC’s mission and is provided through a variety of community outreach programmes. BCHC has a multidisciplinary, experienced team consisting of radiologists, oncologists, diagnostic imaging technologists, radiation therapy nurses and therapists,

New Resident 2019

TEXMIRX WIVZMGI WXEǺ GSQQYRMX] outreach professionals, and 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 GPMRMGEP EǽPMEXMSR [MXL 9 & VEROIH )ERE +EVFIV 'VMKLEQ ERH ;SQIRƶW Cancer Centre. In line with our charitable purpose, '(-( ǻVQP] FIPMIZIW XLEX LIEPXL screenings such as mammograms and ultrasound and treatment like radiation therapy should be available to everyone, regardless of insurance coverage or ability to pay. BCHC’s Equal Access Fund subsidises the cost of clinical

services including radiation therapy, ensuring that all who require these services receive them. To make this possible, BCHC continues to rely on the generosity of the local community, corporations, foundations, and fundraising events to support its mission. BCHC has two major fundraising goals in 2019: 1) raise $1.7 million to close the $10 million capital campaign, which built the radiation therapy unit; 2) raise $2 million dollars toward its Equal Access Fund. The Equal Access Fund means that, if you choose a service SǺIVIH EX '(-( ERH ]SYV LIEPXL insurance does not cover the full cost or you do not have health insurance, this fund will assist regardless of whether it is a $326 mammogram or $80,000 radiation treatment. BCHC is tremendously grateful for the continued support from all sectors of the community who TVSZMHI ǻRERGMEP WYTTSVX [LIXLIV MX is through volunteering, participating in one or more of our eight annual fundraising events, hosting independent third-party fundraisers, making a donation directly to BCHC, or sponsoring BCHC events and programmes. These opportunities and more are available on the centre’s website. If you’d like to host a fundraiser, BCHC would love to hear your ideas. There are a number of volunteer opportunities at BCHC. If you are a TVSJIWWMSREP [MWLMRK XS SǺIV ]SYV services or someone who would like XS SǺIV EHHMXMSREP ZSPYRXIIV WYTTSVX all you have to do is download, complete, and return the volunteer JSVQ ]SY [MPP ǻRH EX [[[ GLG FQ For more information on Bermuda Cancer and Health Centre or to book a screening mammogram appointment, telephone 236-1001 or visit www.chc.bm. For other clinical services provided by BCHC, speak to your doctor about making Bermuda Cancer and Health Centre your choice. BCHC provides a specialist approach XS TEXMIRX GEVI ǼI\MFPI LSYVW (including after work and Saturday appointments), a convenient central location, and lots of free parking. 59

HEALTH CARE Continued from page 57

OECD (Organisation for Economic Cooperation and Development) countries, only the United States has a higher cost per capita for health insurance than Bermuda. Even though Bermuda is a British Overseas Territory, it has no equivalent to the United Kingdomâ&#x20AC;&#x2122;s National Health Service. Instead, every employee must have health insurance. Employers usually pay

50% of the employeeâ&#x20AC;&#x2122;s health insurance, but some pay more as TEVX SJ XLI FIRIÇťXW TEGOEKI .X MW HMÇ˝GYPX XS TYX E GSWX SR LS[ much a single employee could expect to pay, as health insurance plans vary from company to company. But a new employee could expect the total cost to be around $900 or more per month; X]TMGEPP] FYX RSX EP[E]W WTPMX with your employer. So your portion

A new $247 million wing was added to the hospital in 2014.

could be around $450 per month. If ]SY LEZI E WTSYWI ERH SV GLMPHVIR they can be added to your health plan. That cost could be as much as $2,500 a month; again typically WLEVIH FIX[IIR IQTPS]II and employer. Health plans often include medical, dental, and optical. Most medical conditions and emergencies are treated at the KEMH

New Resident 2019

HEALTH CARE

You are not free to shop around for your health insurance — you have to enroll with the plan offered by your company. But you are allowed to choose which general practitioner (GP) to see for your health concerns. The insurance companies are a good resource in helping choose the right doctor for you. A basic doctor’s visit can run anywhere from $80 to $150, depending upon the physician. If your plan does not cover the total cost of a doctor’s visit, and you are being cost-conscious, the insurer can help you choose one with a lower cost. It is perfectly acceptable to “shop around” to find a doctor that is affordable. New employees can also ask their company’s human resource director what its policy does and does not cover or to contact your insurer for Continued on page 62

New Resident 2019

HEALTH CARE Continued from page 61

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that information. Prescriptions are another add-on cost. Many plans cover up to 80% of the expense for prescriptions, but you can expect to pay something when you see the pharmacist. Opticians and optometrists operate privately, and there are resident eye surgeons on the island. Dental care is of a high standardâ&#x20AC;&#x201D; from orthodontic treatment to routine maintenance and cleaning.

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Bermuda Cancer and Health Centre Tel: 236-1001 www.chc.bm Bermuda Center For Sleep Disorders Tel: 236-5298 www.bermudasleep.com

Body Sculpture

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Bermuda Health Council Tel: 292-6420 www.bhec.bm Body Sculpture Tel: 292-5164 Email: bodysculpture60@yahoo.com www.bodysculpture.gettimely.com CORE Heart Health Centre Tel: 232-2673 [[[ Q]FIVQYHELIEVX FQ GSVI Island Health Services Tel: 236-0084 www.ihs.bm New York Presbyterian [[[ R]T SVK KPSFEP LIEVX Paget Dental Group Tel: 232-4262 Email: infowhitecaps@northrock.bm Smilesinc Tel: 296-0990 Email: smiles@smilesinc.bm www.smilesinc.bm Wee Care Pediatrics Tel: 296-3032 Email: bdaweecare@gmail.com

New Resident 2019

Positive Results is a one on one personal training exercise studio that caters to both active and inactive adults. Positive Results is designed to target individuals who wish to improve their overall health and well-being, that may otherwise be put off of joining a large health club. It can also cater to individuals who need a quick and effective workout program. By using the high quality commercial style equipment, Positive Results has been able to offer clients a health club style workout in a private, comfortable and non-intimidating environment. Positive Results is one of the most well-known and well respected personal training studios in Bermuda Our purpose is to provide the best personal training to existing clients and attract new clients by making exercise fun and safe for all, in a private and comfortable setting. Positive Results is located at 2 Woodlands Road, Pembroke, HM 07 Tel. 295-0297 www.positiveresults.bm

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WELLNESS

Choose the healthy Bermuda The movement to create a more active, healthier Bermuda is underway

ermuda is a world leader in many things, but being one of the most obese countries in the world is not something to be proud of. Seven out of 10 in our community are overweight, and one in three are GPEWWMǻIH EW SFIWI 8LMVXIIR TIVGIRX of the population is reported to have diabetes – the second-highest among developed countries. And because of the high rate of diabetes, the number of lower-limb amputations among Bermudians is higher than in all other nations. Paradoxically, we spend $11,000 per person on health care – that’s 40% more on health care than the average of the 30 countries comprised of the OECD (Organisation for Economic Cooperation and Development). Yet we are not a healthy island. Far from it. The undeniable evidence is that

we are spending far, far too much on treating the symptoms of an unhealthy lifestyle. Heart disease is four times higher on the Island than in Japan, Korea, and France

and is the leading cause of death in Bermuda. Life expectancy on our island has fallen to age 65. The good news is that there is also a healthy culture of outdoor activities and exercise available in Bermuda to help you, and you may well be inspired to improve your health while you’re here. Exercise is critical to improving ]SYV SZIVEPP ǻXRIWW GEVHMSZEWGYPEV health, and control over all manner of conditions, from diabetes to depression. If you get up early enough, you’ll see many Bermudians out in the pre-dawn hours, running, cycling, and walking on our roads. Whatever exercise you enjoy, there’s almost certain to be a club or organisation for you and we encourage you to join one of the MWPERHƶW FIWX K]QW SV ǻXRIWW WXYHMSW XLEX ]SY [MPP ǻRH SR XLIWI TEKIW

New Resident 2019

WELLNESS

The 5 secrets of pilates T he Pilates Principles are the key to physically perfecting the body. Think of Pilates as the ‘cherry on top’ for everybody who wants to improve themselves. With the correct instruction by a certified Pilates Instructor, you will learn the foundation invented by Joseph Pilates. Concentration: By focusing your mind on your body and how it is moving, you create a better response to the muscles. Breathing: Using the correct breathing patterns and rhythms actually help the body become calm and helps the correct muscles respond. Centering: By centering our thoughts on our core we achieve the key to moving properly in Pilates- and life. Control: In Pilates all movement is performed with precision

2 3

and in a controlled way, with an instructor’s supervision to improve your alignment. Flow: Pilates movements should flow easily and smoothly, helping strengthen the muscles, joints and tendons and move in balance with breath and alignment. Horizon Health is a team of 4 Pilates Instructors with collectively

45 years teaching experience. It offers one on one, duet and trio Pilates reformer classes, as well as a Barre class weekly. Horizon Health is the only studio on island that offers classical and contemporary styles of teaching Pilates. Recently, Horizon Health linked up with Orthopedic and Physiotherapy Associates (OPA) to provide ‘Recovery Pilates’ offering a low resistance, low gravity form of movement to help the healing process of post operation/post physiotherapy to rehabilitate injuries. Horizon Health is a registered Bermuda Health Council Company. For more information on any of its services and to work with a Pilates certified instructors email: horizonhealth78@gmail.com or telephone 293-1687. www.horizonhealthbermuda.com

www.horizonhealthbermuda.com

Bermuda’s primary boutique Pilates & Corrective Movement Studio

WE SPECIALIZE IN: CORE STRENGTH to improve overall health of the body and correct movement patterns POSTURE CORRECTION to improve muscular skeletal alignment due to overuse in lifestyle and sports PAIN MANAGEMENT to improve neck, back, hip and knee pain SPORTS MOBILITY to improve results, placement in competitions and performance

~ Work with the best team of teachers in Bermuda ~

New Resident 2019

Chancery Hall, Ground Floor, 52 Reid Street, Hamilton 293-1687 • horizonhealth78@gmail.com

SHIPPING

Moving effortlessly

EST Shipping has a team of UYEPMǻIH MRXIVREXMSREP QSZMRK specialists that will oversee your move every step of the way, from initial planning at origin to ǻREP YRTEGOMRK MR ]SYV RI[ LSQI

It is also well versed in corporate relocations; so whether you are moving a department or your whole operation, BEST can handle it — large or small. BEST has a vast network of

agents and associations overseas. It is a member of the International Association of Movers (IAM), the British Association of Removers (BAR) and the International Air Transport Association (IATA). It can supply the correct packing materials, load, drive your goods safely, unpack and ensure every possibility is anticipated. BEST can also assist in handling customs clearance to make your international shipping experience WMQTPI ERH IǺSVXPIWW BEST understands the importance of valuable heirlooms, sentimental items and items of immense value. Size is not an issue; if you need it packed and crated, BEST will do it. BEST wants to help you complete ]SYV VIPSGEXMSR IǺSVXPIWWP] WS ]SY GER get on to enjoy your new island home. Call BEST’s relocation department for inquiries; personal imports 441-294-6232 and personal exports 441-294-6207. Email info@best.bm

New Resident 2019

BOATING

The marina at the Hamilton Princess hotel

Unchartered experiences await

here isnâ&#x20AC;&#x2122;t much watersportswise that you canâ&#x20AC;&#x2122;t do here â&#x20AC;&#x201D; I\GITX MGI ÇťWLMRK 8LI [EXIVW could hardly be clearer or warmer, and the winds could not be more favourable for sailing, which is why Bermuda was chosen to host the 35th Americaâ&#x20AC;&#x2122;s Cup, held in 2017. Thanks to this event, the Island is now synonymous with one of the worldâ&#x20AC;&#x2122;s greatest sporting events and the most prestigious trophy in all of sailing. Americaâ&#x20AC;&#x2122;s Cup teams from France, Britain, Sweden, Japan, New Zealand, and the USA moved to Bermuda a year or more in advance of the racing. Hundreds of team members and their families became â&#x20AC;&#x153;localsâ&#x20AC;? and fully integrated into our small community. During the month-long racing, 30,000 spectators came from all over the world and dozens of super yachts with billionaire owners and well-heeled guests on board converged on the island to watch the racing in ultimate luxury.

New Resident 2019

There are many intangibles to the legacy the Americaâ&#x20AC;&#x2122;s Cup left behind, but others, such as new marinas and other boating facilities, are very real. Bermuda is a boaterâ&#x20AC;&#x2122;s paradise, and thereâ&#x20AC;&#x2122;s no reason to spend the weekends stuck on dry land when there are so many options for having fun on the water. First, decide what will you use a boat for: family pleasure, water WOMMRK ÇťWLMRK SV HS ]SY TVIJIV sailing? Next, ask yourself what style of boat and size would you like and, of course, your budget. There are several reputable boat dealers on the island, including Marine Locker (www.marinelocker.com) and A&P Marine (www.apmarine.bm) who can help you with the process of choosing a boat thatâ&#x20AC;&#x2122;s right for you. Boats may not be trouble-free, but when you buy from a local dealer, you have the added reassurance of a warranty on new boats and a trusted advisor for service and

maintenance. If you want to meet like-minded boaters, consider joining a club. The clubs listed below organise regular sailing regattas and also welcome motor boaters. 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. Georgeâ&#x20AC;&#x2122;s Dinghy and Sports Club: www.stgdsc.com Sandys Boat Club: www.sandysboatclub.com 0IIR ÇťWLIVQIR [MPP [ERX XS NSMR the Bermuda Anglers Club: www.bermudaanglersclub.com. Its members come from all sectors of the community, with a focus on junior anglers and their families. The Bermuda Government Department of Marine and Ports is responsible for monitoring commercial and recreational boat XVEÇ˝G ERH QEREKIW FSEX ERH mooring registrations. Current

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" " " Mooring and Marine service company oďŹ&#x20AC;ering personalized services at a great rate. For further information, please go to

“Concision in Style, Precision in Thought, Decision in Life”

– Vict or Hugo

“What will you decide? Style and Precision await you with Axopar and Scout boats. Let us arrange you a personal test drive for you on these world class boats. Bermuda is better on the water, and we can help get you there.”

15 Gorham Road, Hamilton l www.marinelocker.com l (441) 295-9950 l marloc@ibl.bm

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fees and other information can be JSYRH SR MXW [IFWMXI [[[ KSZ FQ HITEVXQIRX QEVMRI ERH TSVXW The hurricane season in Bermuda is from June 1 to November 30. You will want to have a plan to take care of your boat during these months, in the event a tropical storm or hurricane hits the island. Owners of small boats will usually haul them out of the water. There are several precautions you can take for larger boats, and we suggest you seek EHZMGI JVSQ ]SYV MRWYVERGI ÇťVQ boat dealer, or boat club. 4RI ÇťREP [SVH ;LIR ]SY EVI SR the water, please help us to protect and preserve our environment. Never throw anything overboard, TEVXMGYPEVP] TPEWXMGW ERH ÇťWLMRK lines. They can entangle and kill marine life, especially turtles. Please try to reduce your use of plastics, recycle where possible, and take your garbage home with you or make use of trash cans ashore. Our coral reefs are a national treasure and an essential part of our fragile ecosystem. The reefs can be easily damaged by boat anchors, hulls, and propellers, so please be cautious when boating near the reefs. New Resident 2019

FINANCE

-S[ XS TVSǻX MR TEVEHMWI M ark Twain, a frequent visitor to the island, called this the “biggest little place in the world”. Although the population of the “entire” country is barely 64,000, the services and facilities are that of a much bigger centre. Unlike a lot of palm-fringed spots, Bermuda really does work. The banks are Bermuda-based with perhaps unfamiliar names — with the exception of HSBC — but they are among the most secure and savvy in the world, SǺWLSVI SV RS 8LI WEQI ETTPMIW XS PE[ ǻVQW ERH EPP XLI XST KPSFEP TYFPMG EGGSYRXMRK ǻVQW EVI LIVI MR force. In fact, Bermuda produces more lawyers, accountants and bankers per capita than anywhere else, operating in the island’s technologically sophisticated environment. =SYƶPP FI MQTVIWWIH F] XLI ǻVWX GPEWW ǻRERGMEP WIVZMGIW [LMGL MW why Bermuda attracts top investors. They come not only for the valued opportunities, but because of our pragmatic regulatory environment, sensibly overseen by the Bermuda Monetary Authority (BMA).

Bermuda is one of the top three reinsurance markets in the world, the others being London and

BERMUDA STOCK EXCHANGE Established almost 50 years ago, the BSX is the world’s largest fully IPIGXVSRMG SǺWLSVI WIGYVMXMIW QEVOIX 8LI ' < STIVEXIW E QEVOIX for international securities, issued either by Bermuda-incorporated exempted companies or non-Bermudian issuers, as well as a domestic market for Bermuda’s local companies. The BSX, which has more than 600 issuers with a total market capitalisation in excess of $430 billion, specialises in listing capital market instruments, equities, debt issues, funds and depository programmes. It is one of the world’s leading listing JEGMPMXMIW JSV SǺWLSVI JYRHW ERH EPXIVREXMZI MRZIWXQIRX ZILMGPIW ERH supports niche markets for specialised insurance and debt products. Among the BSX’s unique products and services is its Mezzanine Market, a unique pre-IPO market listing for start-up, high growth potential companies. The BSX, which is regulated by the Bermuda Monetary &YXLSVMX] LEW FIIR KVERXIH )IWMKREXIH 4ǺWLSVI IGYVMXMIW 2EVOIX status by the SEC, Designated Investment Exchange status by the UK Financial Services Authority and Approved Stock Exchange status under Australia’s Foreign Investment Fund taxation rules. For more information on the BSX contact Greg Wojciechowski, CEO. Telephone: 292-7212. Email: ceo@bsx.com

New York. It is the world’s largest captive insurance centre, and a global leader for insurance-linked securities. Which is another important reason why it has become the jurisdiction of choice for private and institutional investors. Investment services 'IVQYHEƶW XLVMZMRK ǻRERGMEP WIVZMGIW sector is home to a wide variety of investment managers, from traditional “long-only” fundamental research to technically driven GSQTYXIV FEWIH ǻRERGMEP QSHIPW The Investment Business Act 2003 is the statutory basis for regulating investment business in Bermuda. The Act provides for a licensing regime for any person or entity (unless otherwise exempted or excluded) engaging in investment FYWMRIWW EW HIǻRIH F] XLI &GX either in or from Bermuda. The Investment Funds Act 2006 provides New Resident 2019

FINANCE the statutory basis for regulating funds in Bermuda. The Act deals with the establishment, operation and regulation of mutual funds, unit trusts and partnership funds, and also provides for the licensing and supervision of fund administrators. In both cases, the Bermuda Monetary Authority is the licensing body. The Investment Funds Act 2006 streamlined the incorporation process for investment funds, while also more clearly outlining how public (retail) funds are regulated ERH VIǻRMRK XLI JVEQI[SVO JSV RSR public, institutional funds.

IWXEFPMWLIH JSV E WTIGMǻG TYVTSWI either charitable or non-charitable. New Residents may have more interest in the non-charitable purpose trust, which is often set up for a commercial use, such as to insulate a company from a particular transaction. In that way, bankruptcy remoteness can be achieved, and ER ƸSǺ FEPERGI WLIIXƹ XVERWEGXMSR can be enabled. The Trusts (Regulation of Trust Business) Act 2001 prohibits the carrying on of

trust business in or from within Bermuda unless the trustee is licensed or exempt. Increasingly popular is the Private Trust Company, which is exempt from such regulation provided it meets X[S GVMXIVME MX HSIW RSX SǺIV MXW services to the general public, and it is empowered to act as trustee of SRP] E PMQMXIH RYQFIV SJ MHIRXMǻEFPI trusts that would typically be for the FIRIǻX SJ VIPEXIH TIVWSRW SV JEQMP] members.

Trusts Bermuda has long been a leader in the business of setting up private trusts, which can be a valuable tax, asset protection and estateplanning tool. Bermuda’s trust laws are modelled after British trusts PIKMWPEXMSR 5YVTSWI XVYWXW HMǺIV from private ones in that they do not LEZI ER EWGIVXEMREFPI FIRIǻGMEV] SV FIRIǻGMEVMIW 7EXLIV XLI] EVI

Over and above Celebrating 50 years in Bermuda

Licensed to conduct Investment Business by the Bermuda Monetary Authority

New Resident 2019

Schroders (Bermuda) Limited is an indirect wholly-owned subsidiary of Schroders plc and is licensed to conduct investment management business by the Bermuda Monetary Authority. Contact Robin Peters on 298-7356 or robin.peters@schroders.com

A WORLD OF FLAVOURS AT BERMUDA’S BEST RESTAURANTS AUTHENTIC ITALIAN

LITTLE VENICE

The original location at 32 Bermudiana Road, Hamilton T 441-295-3503 I E info@littlevenice.bm I www.littlevenice.bm

BERMUDA’S BEST HARBOUR DINING

HARBOURFRONT

At the BUEI on the water 7 , ( ³RULDQ#KDUERXUIURQW EP , ZZZ KDUERXUIURQW EP

MEDITERRANEAN IN BERMUDA

CAFÉ LIDO

A TASTE OF THE ORIENT

L’ORIENTAL

32 Bermudiana Road (Above Little Venice), Hamilton T 441-296-4477 I E info@loriental.bm I www.loriental.bm

BERMUDA MAGIC

SEA BREEZE & MICKEY’S BEACH BISTRO

On the beach at Elbow Beach T 441-236-9107 I E manager@lido.bm I www.lido.bm

A BERMUDIAN TRADITION

FOURWAYS INN

By the beach at Elbow Beach T 441-236-9884 I E manager@lido.bm I www.lido.bm

1 Middle Road, Paget in the heart of Bermuda T 441-236-6517 I E info@fourways.bm I www.fourways.bm

BERMUDA’S BEST PIZZA

BREATHTAKING BLU

LA TRATTORIA

23 Washington Lane in the heart of Hamilton T 441-295-1877 I E info@trattoria.bm I www.latrattoria.bm

BLÛ BAR & GRILL

25 Belmont Drive at Belmont Golf Course T 441-232-2323 I E info@blu.bm I www.blu.bm

DINING

EATING OUT

rom English pub grub to French gourmet cuisine — and (almost) everything in between — you can eat very well in Bermuda. And drink well, too — the better restaurants all have truly outstanding wine cellar. As for local delicacies, you must try Bermuda lobster (available only from September to March), or at least our world famous ǻWL GLS[HIV $ less than $30 $$ $30 to $40 $$$ $40 to $50 $$$$ $50 to $60 $$$$$ $60 plus

Bella Vista Bar & Grill: Port Royal Golf Course, Southampton. 232-0100. $$. Join us for lunch, dinner, and HVMROW ERH ǻRH SYX JSV ]SYVWIPJ [L] 'IPPE :MWXE 'EV ,VMPP MW XLI VEROIH among all of Bermuda’s West End restaurants. Blû Bar & Grill: 25 Belmont Hills Drive, Warwick WK 06. 232-2323. Reservations recommended. Smart casual. $$$$. Blû’s stunning location overlooks picturesque Hamilton Harbour and the Great Sound, New Resident 2019

providing an unparalleled view of the water and international sailing events. Blû has a bold American menu with KIRIVSYW .XEPMER ERH &WMER MRǼYIRGIW as well as a delightful sushi menu and a small bites menu. Bone Fish Bar & Grill: 6 Dockyard Terrace, Dockyard. 234-5151. $$. 7IEWSREFPI TVMGIH QIRY ǻPPIH [MXL seafood, top-grade meat, home made pastas, Italian wine, draft beer, and desserts to die for. Open for lunch and dinner. Catering also available. Café Amici: Clock Tower Mall, Dockyard. 234-5009. $$. Italian family-style restaurant in the heart of LMWXSVMG )SGO]EVH SǺIVMRK E JVMIRHP] intimate atmosphere and simple, YRGSQTPMGEXIH ERH EǺSVHEFPI Italian cuisine. Open seven days. Breakfast Monday to Saturday Ƴ EQ 'IVQYHE GSHǻWL ERH TSXEXS breakfast, Sundays 9 am–noon. Lunch to 4 pm and dinner 6–9 pm. Café Amici — where friends and family come together. Buon appetito. Café 4: Windsor Place, 18 Queen Street, Hamilton. 295-8444. $. Stylish

and sophisticated take out of organic, local, fresh and homemade bread, TEWXE ERH LIEPXL] WSYTW 4ǺIVW XLI largest salad bar selection on the MWPERH *RNS] XLI MRHSSV SYXHSSV dining facility. Café Lido: Elbow Beach Hotel, Paget. 236-9884. Reservations VIGSQQIRHIH 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 ERH an enticing meat selection. Eliana’s Restaurant: 106 Southside Road, St. David’s. 777-0555. $$$. Bermuda’s unique dining experience where you can choose from premium cuts of steak, seafood and lamb cooked to perfection along with fresh vegetables and salads and the most mouth-watering desserts. Fourways Inn & Restaurant: 1 Middle Road, Paget. 236-6517. Reservations recommended. Smart. $$$$. 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. 73

DINING

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Gold Coast Express: At Rubis Station (South Shore), 76 South Road, Warwick. 232-2020. $. South Shoreâ&#x20AC;&#x2122;s boldest take out with a range of foods from the simplest freshest hamburger to Bermudaâ&#x20AC;&#x2122;s favourite foods. Enjoy tantalizing Indian, Chinese and Bermudian cuisine WIVZIH FYÇşIX WX]PI 8S GSQTPIQIRX XLI FYÇşIX WTIGMEP GSÇşIIW TERMRMW soups and made-to-order salads are SÇşIVIH 8LI EPPYVMRK GYMWMRI MW WIVZIH with fast and friendly service. Harbourfront: At the BUEI, 40 Crow Lane, Pembroke. 295-4207. Reservations recommended. Smart casual. $$$. On the harbour, with its own dock, water lapping gently by the romantic table setting. Catch the sunset from the upper deck. 4ÇşIVW E ZEVMIH QIRY JIEXYVMRK E WIPIGXMSR SJ XLI JVIWLIWX ÇťWL ERH seafood in addition to dry-aged meats, handcrafted sushi rolls and irresistible desserts. House of India: North Street, Hamilton. 295-6450. Reservations suggested. Smart casual. $$. Great atmosphere and outstanding,

authentic menu whether you dine in or take out. La Trattoria: 23 Washington Lane, Hamilton. 295-1877. Reservations recommended. $$. One of Bermudaâ&#x20AC;&#x2122;s longest standing restaurants and a favourite of locals and visitors alike. Perfectly placed in the heart of Hamilton, makes it the ideal restaurant for a romantic dinner for two or a gathering with friends. This festive trattoria has the islandâ&#x20AC;&#x2122;s only wood-burning pizza oven as a centerpiece and is recognized as best in Bermuda for their hearty Italian food, and warm, kid-friendly environment, all at an extraordinary value. La Trattoria Shop: Washington Lane, Hamilton. 295-9499. $. Superconvenient venue in the Washington 1ERI SÇşIVMRK XVEHMXMSREP JEZSYVMXIW including tempting pizzas, pastas, sandwiches and salads as well as hot and cold dishes from varying cuisines around the world. Little Venice: 32 Bermudiana Road, Hamilton. 295-3503. Reservations recommended. Smart casual. $$$.

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New Resident 2019

History Still In The Making

FOURWAYS INN RESTAURANT & COTTAGES 1 Middle Road, Paget I T: 236-6517 I E: info@fourways.bm I www.fourways.bm

From East to West, We Have The Best!

L’ORIENTAL EXPRESS Church Street & Par-la-Ville Road T 441-296-7475 I E order@lorientalexpress.bm

GOLD COAST EXPRESS SOUTH SHORE 76 South Shore, Warwick I T 441-232-2020

CAFÉ 4

LA TRATTORIA SHOP

Windsor Place, 18 Queen Street, Hamilton T 441-295-8444 I E info@cafe4.bm

Washington Lane, Hamilton T 441-295-9499 I E info@trattoria.bm

LEADERS OF INNOVATION IN DINING ON BERMUDA WWW.DININGBERMUDA.COM

DINING

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THE RED CARPET

BAR & RESTAURANT

'IVQYHEÆ¶W Ç»VWX ERH QSWX JEQSYW Italian restaurant, celebrating over JSVX] Ç»ZI ]IEVW SJ JEFYPSYW WIVZMGI Ç»RI JSSH ERH QIXMGYPSYWP] TVITEVIH classic and contemporary regional Italian specialties. Enjoy fabulous wine and tasty bites with the incrowd in the adjacent Wine Bar. Lâ&#x20AC;&#x2122;Oriental: 32 Bermudiana Road, Hamilton (above Little Venice). 2964477. Reservations recommended. Smart casual. $$$. The only place to get the best Oriental Fusion cuisine, featuring a welcoming Sushi Bar and Bermudaâ&#x20AC;&#x2122;s only Teppanyaki table. Seating available inside under the exquisite Pagoda or outside under the stars. Lâ&#x20AC;&#x2122;Oriental Express: Corner of Church Street and Par-La-Ville Road. $. ;I SÇºIV XLI FIWX SJ XLI FIWX JSV XEOI SYX MR -EQMPXSR SÇºIVMRK everything from soup and sushi, to wraps and sandwiches, to amazing salads and daily hot food specials. Thereâ&#x20AC;&#x2122;s a pasta bar plus specialty GSÇºIIW XIEW ERH WQSSXLMIW Æ³ XLI selection is unbeatable. Mickeyâ&#x20AC;&#x2122;s Beach Bistro: Elbow Beach Hotel, Paget. 236-9107. Reservations recommended. $$$. Is the only true beach bar and bistro on the island, VMKLX SR XLI WERH SÇºIVMRK E JYR ERH eclectic menu, loved by visitors and locals. Pizza House: Southside, St Davidâ&#x20AC;&#x2122;s, 293-5700; Shelly Bay, 293-8465; Heron Bay, Southampton, 238-2753. Casual. $. Top-quality pizza. Red Carpet: Reid Street, Hamilton. 295-6774. Reservations recommended. Smart casual. $$. Informal but excellent continental restaurant favoured by local politicians. Sea Breeze Lounge: Elbow Beach Hotel, Paget. 232-3999. Reservations recommended. $$$. Provides the best spot for an al fresco drink, great sushi and tapas. A covered KE^IFS SÇºIVW WLIPXIV MJ RIIHIH 1MZI entertainment during the summer months. Somerset Country Squire: 10 Mangrove Bay, Somerset. 234-0105. $$. Casual. Bermudian and British JEZSYVMXIW SYXHSSVW QEKRMÇ»GIRX views) or indoors. Sports bar area with EPL and NASCAR. New Resident 2019

Now you can see a cardiologist from NewYork-Presbyterian

without leaving

bermuda. To make an appointment, call your local CORE Heart Health Center at 441-232-7812

nyp.org/global-heart I N A F F I L I AT I O N W I T H