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Martha Myron
BUSINESS COLUMNIST
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Martha Harris Myron, CPA, PFS, JSM, Master's of Law – International Taxation and Financial Services, is a personal finance expert and offers cross-border financial planning for Bermuda residents with international connections through Bermuda, North America and Europe.

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  • Financial considerations when leaving Bermuda
    Jul 20, 2019 8:00 am

    Financial considerations when leaving Bermuda

    This is the second part of a look at relocating away from Bermuda to the US, UK or Canada.

    Before beginning, a word of caution: this article is general financial information only and cannot, and should not, be...

  • Complications of relocation
    Jul 13, 2019 8:00 am

    Complications of relocation

    More frequently now, according to local social media, and anecdotal commentary, individuals and families have already left Bermuda or are contemplating moving to other jurisdictions. While actual relocations numbers are not quantified, a...

  • Risk, correlation, and modern portfolio theory
    Jun 29, 2019 8:00 am

    Risk, correlation, and modern portfolio theory

    Reader comments sometimes state that Moneywise articles are not as detailed as they should be. Just a gentle reminder that The Royal Gazette personal finance column space size is limited each week, necessitating more general...

  • Understanding the role of preferred stocks
    Jun 22, 2019 8:00 am

    Understanding the role of preferred stocks

    This is part of the Bermuda Fundamental Financial Planner Primer; Segment Two — the First Bermuda Investment Primer

    A reader wrote after last week’s article about the pros and cons of share buybacks, and asked:...

  • Share buybacks: the pros and cons
    Jun 15, 2019 8:00 am

    Share buybacks: the pros and cons

    The following is an excerpt from The First Bermuda Investment Primer, segment two of the Bermuda Pondstraddler Fundamental Financial Planning Primer Series.

    When Warren Buffett, the highly respected, legendary...

  • Adverse child experiences costly in many ways
    Jun 8, 2019 8:00 am

    Adverse child experiences costly in many ways

    When a child arrives in our world as a beautiful, precious new life to be celebrated, as much as we derive happiness from our perception that their future life will be a great success, that is not always the case.

    Children are the future...

  • Be prepared for a hit to the paycheque
    Jun 1, 2019 8:00 am

    Be prepared for a hit to the paycheque

    Today is the day that your monthly paycheques will become smaller.

    This reduction is due to the significant increase in health insurance premiums caused by Government’s mandatory (now legislated) decree that private insurers remit each...

  • Questions about looming healthcare changes
    May 25, 2019 8:00 am

    Questions about looming healthcare changes

    It is official. In a matter of days, the reality is that all local health insurers offering and managing health insurance in Bermuda will commence remitting an additional $233+ per SHB (Standard Health Benefit — MRP) premium to the Bermuda...

  • Household finances take hit from healthcare
    May 18, 2019 8:00 am

    Household finances take hit from healthcare

    All Bermuda residents trying to maintain a reasonable budget for their families, along with saving for a rainy day, continue to cope with more cost of living challenges going forward. This time it is another increase in...

  • A guide towards handy financial information
    May 11, 2019 8:00 am

    A guide towards handy financial information

    This is part two of the annual research ideas publication for Bermuda individual investors.

    Before progressing readers, please keep in mind that this is general information, some sections or statements may not...

  • Where to get your financial information
    May 4, 2019 8:00 am

    Where to get your financial information

    Introducing the annual research ideas publication for Bermuda individual investors — part one.

    Readers of The Royal Gazette often write to me about Moneywise column topics and how my answers and...

  • Considering a simpler life, Bermuda style
    Apr 28, 2019 12:01 am

    Considering a simpler life, Bermuda style

    This is a revised version of a food series published in Moneywise 2008.

    Our Easter bunny has come and gone. Treats of resplendent chocolates, marshmallow peeps, jelly beans, Cadbury creamy-rich eggs, all more...

  • Survival planning for relationships
    Apr 20, 2019 8:00 am

    Survival planning for relationships

    Part two: survival planning for relationships in cases of divorce, becoming a widow/widower, partner incapacitation situations and just plain relationship common sense.

    Readers, you should know that I often use...

  • Financial security after a partner dies
    Apr 13, 2019 8:00 am

    Financial security after a partner dies

    Ladies, have you planned for your future financial security?

    It is a statistical fact that women overall live longer than men. Longevity is in the genes in many Bermudian families where we find female individuals surpassing the 90-year and...

  • Bermuda rates well against economic giants
    Apr 6, 2019 8:00 am

    Bermuda rates well against economic giants

    Bermuda has been held accountable to meet yet another economic compliance hurdle.

    We’ve been in these scrutinised headlines before. We’ve heard it all before — from country friends and economic foes alike.

    Frustratingly, from our...

  • Reading into a public company’s numbers
    Mar 30, 2019 8:00 am

    Reading into a public company’s numbers

    This article is part two of a basic review of a public company’s financial results and some selected financial ratios that analysts and investors use to assess profitability, suitability, and financial strength.

    But first, dear readers, as...

  • How to read a company financial statement
    Mar 23, 2019 8:00 am

    How to read a company financial statement

    Spring is here. The Easter bunny is on his or her way as Easter approaches. Get those kites decorated!

    Meanwhile, millions of publicly traded companies (those operating on a calendar year) across the globe are in the process or reporting...

  • Get your retirement buckets in line
    Mar 16, 2019 8:00 am

    Get your retirement buckets in line

    A reader who read our retirement series of articles has sent the following question:

    After reading your investment article in The Royal Gazette of March 9, it inspired me to review my retirement...

  • Readying my Bermuda-focused investment guide
    Mar 9, 2019 8:00 am

    Readying my Bermuda-focused investment guide

    Today, dear readers, this is the introduction to the New Bermuda Investing Primer Series, the first book of the overall Bermuda Fundamental Financial Planning Primer Ebooks Series that will cover all aspects of finance planning. These...

  • More steps for Bermudians selling US property
    Mar 2, 2019 8:00 am

    More steps for Bermudians selling US property

    This is part two of the Pondstraddler Life Financial Planning Series looking at Bermudian owners of US real estate who want to sell, and want to know what the ramifications of doing so are. The first part was published last month, and a...

  • Steps for Bermudians selling a US property
    Feb 23, 2019 8:00 am

    Steps for Bermudians selling a US property

    This is part one of the Pondstraddler Life Financial Planning Series looking at the ramifications for Bermudian owners of US real estate who want to sell.

    A reader writes: About ten years ago, we purchased a vacation...

  • Put yourself in others’ shoes
    Feb 16, 2019 8:00 am

    Put yourself in others’ shoes

    A 90-year old widow with a developmentally disabled adult child struggles with the everyday cost of living while trying to make sense of the proposed government budget tax and social service increases. This is a hypothetical composite case based...

  • Your relationship and money: take our quiz
    Feb 9, 2019 8:00 am

    Your relationship and money: take our quiz

    It’s that time of year again, close to Valentine’s Day where love and relationships are renewed and celebrations are in the air.

    In the very best of all worlds, social, business, and personal, relationships should always be completely...

  • Getting to grips with investment concepts
    Feb 2, 2019 8:00 am

    Getting to grips with investment concepts

    This is the part one of the 2019 Bermuda Investment Series.

    Capital trading markets are not the same as they used to be. For example, over the last century alone, the dominant United States investment industry has seen and...

  • Welcome to the world of income tax
    Jan 26, 2019 8:00 am

    Welcome to the world of income tax

    A new land, a new home, a new spouse, a new life. This is part two of the Bermuda Pondstraddler continuing series. Part one featured a relevant discussion on this hypothetical Bermudian individual’s background and emigration concerns was...

  • Accelerating paying off your home mortgage
    Jan 19, 2019 8:00 am

    Accelerating paying off your home mortgage

    A reader asked for information about reducing their mortgage faster than the original 30-year term, and wondered whether some-type of a mortgage-payment assistance programmes is helpful.

    My caveat, as always, is that this is general...

  • Build yourself a cash cushion
    Jan 12, 2019 8:00 am

    Build yourself a cash cushion

    Creating a cash cushion for yourself and your family is a good plan to start the new year.

    This is a continuation of last week’s article, “Forget new year’s resolutions — just set one goal”.

    A cashflow liquidity crunch, or a credit...

  • Forget resolutions, just set one clear goal
    Jan 6, 2019 12:01 am

    Forget resolutions, just set one clear goal

    Hmmmm. It is now day five of brand new year 2019. You’ve just experienced another hectic year-end deadline at your job; you may have children and you’ve shopped and spent to meet the holiday expectations; you’ve laid out the red carpet for all...

  • Managing the urge to splurge
    Dec 15, 2018 8:00 am

    Managing the urge to splurge

    Readers, this week, we feature some light-hearted ideas for the holidays.

    Seriously, readers, you need a break from the never-ending stream of serious, distressing topics of late invading your consciousness.

    We holiday gift givers...

  • There is nothing ‘zero tax’ about Bermuda
    Dec 8, 2018 8:00 am

    There is nothing ‘zero tax’ about Bermuda

    Readers, take a look at the table accompanying this article. Have I missed or duplicated anything?

    Reviewing the Tax Reform Commission report, all 76 pages, requires more study time than publishing deadlines permitted. I encourage you all...

  • Tax complexities of relocating abroad
    Dec 1, 2018 8:00 am

    Tax complexities of relocating abroad

    This is the latest in the “Pondstraddler” series of articles. Disclosure: this is a composite illustrative situation intended for general information purposes only. It does not reference any specific person, living or deceased, nor is it...

  • Be thankful and be an agent for change
    Nov 24, 2018 8:00 am

    Be thankful and be an agent for change

    November is traditionally the month for giving thanks. Each year, the Money page provides some thoughts on living today and taking the time to reflect on the positive values within ourselves and our community.

    Imagine...

  • Borrowing money to pay for borrowing money
    Nov 17, 2018 8:00 am

    Borrowing money to pay for borrowing money

    A small newspaper notice on November 8 noted that the Bermuda Government was “rolling the government debt” in a repurchase and a new bond tender offering set for November 15.

    As this article went to press last Thursday, the results are...

  • Fight for survival continued after Great War
    Nov 10, 2018 8:00 am

    Fight for survival continued after Great War

    Armistice Day, tomorrow, November 11, 2018, marks the 100th year anniversary of the end of the Great War, the First World War. I write to honour and remember Bermuda’s men and women who served in Great War and thoughts on the lives of...

  • Combining costs when running a business
    Nov 3, 2018 8:00 am

    Combining costs when running a business

    In our Moneywise article “Calculating and Managing Overhead” on October 20, we featured the hypothetical business narrative of the Smith family matriarch’s dream of the whole family owning a successful pizza operation. Understand, readers, that...

  • Know your US tax liability or pay the price
    Oct 27, 2018 8:00 am

    Know your US tax liability or pay the price

    This article is part of the Pondstraddler Life continuing series on the last Saturday of each month.

    We are using a hypothetical person to maintain reader confidentiality.

    “I’m a Bermudian, an older student,...

  • Calculating and managing overhead
    Oct 20, 2018 8:00 am

    Calculating and managing overhead

    The business of being in business in Bermuda using a hypothetical Bermuda family launching a pizza business.

    “If you can’t control your overhead costs in a business, it will kill you!” That was our father, the...

  • Business ownership a round-the-clock job
    Oct 13, 2018 8:00 am

    Business ownership a round-the-clock job

    This week’s column is a continuation of the hypothetical MamaZina Pizzarina operations planning on doing business in Bermuda.

    Running a business is an all-encompassing occupation. Any owner, particularly those...

  • What it means to own a company’s shares
    Oct 6, 2018 8:00 am

    What it means to own a company’s shares

    This is the sixth and final article in a series published between October 1 and 6 in support of the Bermuda Stock Exchange World Investor Week Quiz Challenge. Each article has a question embedded. Find the question and send your answer...

  • Important reading: this is your money
    Sep 29, 2018 8:00 am

    Important reading: this is your money

    This is part three of the review of the Report of the Auditor-General on the Audits of the Financial Statements of the Consolidated Fund of the Government of Bermuda for the years ended March 31, 2013, 2014, 2015 and 2016. This article...

  • Auditor-General demands full picture
    Sep 22, 2018 8:00 am

    Auditor-General demands full picture

    This is part two of the article on matters of special importance in the Auditor-General’s report on the financial statements of the Consolidated Fund of the Government of Bermuda for the years ended March 31, 2013, 2014, 2015 and 2016.

  • Lump sum or monthly payment: which is best?
    Sep 15, 2018 8:00 am

    Lump sum or monthly payment: which is best?

    This is the latest in the Bermuda Realistic Retirement Review series, published on the third Saturday of each month.

    Is a bird in the hand worth two birds in a bush?

    Another reader FAQ, with a hypothetical...

  • Bermuda’s audit reports and why they matter
    Sep 8, 2018 8:00 am

    Bermuda’s audit reports and why they matter

    I have been reviewing the latest Auditor-General report on the Audits of the Financial Statements of the Consolidated Fund of the Government of Bermuda for period between April 2012 and the end of March 2016, as tabled in February.

    Readers,...

  • Fintech banks: disrupting an industry
    Sep 1, 2018 8:00 am

    Fintech banks: disrupting an industry

    In the second article in a series on the arrival of the fintech industries in Bermuda, we will look at rise of fintech banks and their potential impact on the legacy banking industry.

    What is fintech?

    Fintech, or...

  • Making a cross-border financial decision
    Aug 25, 2018 8:00 am

    Making a cross-border financial decision

    This week we return to the Pondstraddler monthly series to review a reader’s questions. The following case is a combination of real life situations and hypothetical facts in order to protect the reader’s identity.

    A reader...

  • Evaluating retirement annuity choices
    Aug 18, 2018 8:00 am

    Evaluating retirement annuity choices

    This week’s article is part of the Bermuda Realistic Retirement Reviewer series, which is featured on the third Saturday of each month.

    A reader from Bermuda writes: “Gettin’ ready to retire from my job. Have some money saved — hope...

  • Fintech’s risks and opportunities
    Aug 11, 2018 8:00 am

    Fintech’s risks and opportunities

    Fintech, or financial technology, is in the spotlight in Bermuda right now. This week, I take a look at its many implementations and ramifications.

    • The impatient among us (aren’t almost all of us ADD these days) hate waiting in line at de...

  • Reading is your lifeline to the world
    Aug 4, 2018 8:00 am

    Reading is your lifeline to the world

    One of the greatest individuals in the investment world, Warren Buffett, reads 500 pages a day of newspapers, reports and books. He has stated it is one of the overarching keys to his success. Mr Buffet is not alone, a number of the most...

  • Bermuda a victim of ‘economic discrimination’
    Jul 28, 2018 8:00 am

    Bermuda a victim of ‘economic discrimination’

    In numerous publications in the last few weeks, various headlines arose noting that “the state of Delaware (Secretary of State Jeffrey Bullock) supports HR 6403, a current US congressional Bill titled Counter Terrorism and Illicit Finance Act as...

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