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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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  • Entrepreneurship and owning your own business
    Sep 26, 2020 8:00 am

    Entrepreneurship and owning your own business

    Almost everyone it seems at one time or another has wanted to control his or her destiny. Generally, that means choosing a lifestyle that suits you, choosing where to live, what to own, when to work and with whom, and reasons why it all makes...

  • Pandemic has changed our lives
    Sep 19, 2020 8:00 am

    Pandemic has changed our lives

    The current and possible future changes in individuals’ and families’ reactions to, coping mechanisms with, and adaptation of habits due to social isolation, quarantining, and the Covid illness itself continues to be a source of intense analysis...

  • Financial experts are ready to help you
    Sep 12, 2020 8:00 am

    Financial experts are ready to help you

    Here is a wonderful opportunity for Bermuda residents to enhance your financial literacy with the CFA Society Bermuda.

    For the second year, the CFA Society Bermuda in partnership with Bermuda College is to offer a four-session series on...

  • Want to share your financial success story?
    Sep 6, 2020 12:01 am

    Want to share your financial success story?

    Dear readers, I am looking for volunteers who have a financial success story to tell the world. Our domestic and global community needs to hear and read these stories, now more than ever.

    We need to see and feel real hope, that can...

  • Turbulent times call for ethical leadership
    Aug 29, 2020 8:00 am

    Turbulent times call for ethical leadership

    Aristotle the Greek considered ethics a moral philosophy defining right and wrong, good and evil, and responsibility for one’s actions.

    Individually, we develop a personal code of ethical values during our lives. Children tend to not...

  • Why stock markets are rising during the pandemic
    Aug 22, 2020 8:00 am

    Why stock markets are rising during the pandemic

    The United States stock markets blazed through new highs this week. How could this be?

    There are many and varied opinions (I emphasise opinion) as to why the US (and other global markets) are up, even while the pandemic is still omnipresent...

  • Negative equity and phantom income
    Aug 15, 2020 8:00 am

    Negative equity and phantom income

    You have to ask. How can the same house with little to no changes be worth so much in a booming economy, then so much less when an economy has declined?

    It can be argued this is a normal outcome of the ebb and flow of an economy, and can...

  • Tragedy of mortgage foreclosures
    Aug 8, 2020 8:00 am

    Tragedy of mortgage foreclosures

    It was sad and regrettable to read the court case facts last week involving the collapse of a mortgage, a possible devastated business, the pending foreclosure on a family home, the original intention of helping a friend, a trusted relationship...

  • Build your personal brand for the road ahead
    Aug 1, 2020 8:00 am

    Build your personal brand for the road ahead

    Happy Cup Match, readers. Even if you cannot participate in the usual physical festivities, it has to be a nice break away from the relentless medical anxieties and economic news.

    And, so for something just a tiny bit lighter given that we...

  • Short of job, short of luck, and leaving
    Jul 25, 2020 8:00 am

    Short of job, short of luck, and leaving

    The airport scene described at the Azorean repatriation flight on Tuesday was pretty upsetting, garnering more than 400 comments. It was obvious that numerous individuals were leaving short of cash, short of wages and contract provisions, short...

  • Work and pensions in a world of abrupt change
    Jul 18, 2020 8:00 am

    Work and pensions in a world of abrupt change

    Following up on our article of last week, relative to the Bermuda Government Contributory Pension Fund, we share additional feedback from readers and others.

    A reader asked: “If I don’t qualify for Government social insurance, I understand...

  • Impact of suspending social insurance
    Jul 11, 2020 8:00 am

    Impact of suspending social insurance

    A reader has questions regarding the government initiative to allow employees and employers to elect to suspend social insurance contributions, which go into the Contributory Pension Fund, until June 30, 2021.

    “This is quite confusing,” the...

  • Jobs and job recovery in Bermuda
    Jul 4, 2020 8:00 am

    Jobs and job recovery in Bermuda

    This is a look at the Labour Force Survey report issued in May 2020 issued by the Bermuda Government Department of Statistics.

    The report is based on data collected from the November 2018, May 2019 and November 2019...

  • How the job scene may change
    Jun 28, 2020 12:01 am

    How the job scene may change

    This article continues our discussion of post-Covid-19 recovery with thoughts of everything returning to the old normal, a semblance of normal, or the new normal, or something quite different again.

    No one really knows...

  • Health and job recovery after the pandemic
    Jun 20, 2020 8:00 am

    Health and job recovery after the pandemic

    The whole Covid-19 crisis has seemed unreal, from beginning to where we are now, for those relatively unaffected by health or job worries.

    We are all probably functioning on “hope for the best” basis at this point in time.

    The...

  • Heading towards the new normal post-Covid
    Jun 13, 2020 8:00 am

    Heading towards the new normal post-Covid

    Almost of all of us have experienced some, or all, of the following:

    We’ve been cooped up, isolated.

    Been deprived of contact.

    Shrivelled our savings.

    Eaten too much, mostly carbs.

    Drunk too much, mostly for...

  • Ideas from readers to jump-start the economy
    Jun 6, 2020 8:00 am

    Ideas from readers to jump-start the economy

    Covid-19 appears to be slowing down in the earlier infected countries. And some economies are very carefully and slowly moving forward, but there are no full blown recoveries yet.

    We are reading and hearing about heightened stock market...

  • Experiencing economic triage for a second time
    May 30, 2020 8:00 am

    Experiencing economic triage for a second time

    This article has been updated for the Covid-19 crisis financial environment. It was originally written during the 2008 ongoing recessionary challenge.

    Many of you are no strangers to this economic downturn, which is...

  • Ways to raise cash to fuel recovery
    May 23, 2020 8:00 am

    Ways to raise cash to fuel recovery

    This is part two of an article on suggestions to raise revenue during Bermuda’s covid recovery.

    Our government has utilised significant, precious financial resources to assist thousands of local residents: the unemployed,...

  • Why a Bermuda United Together bond makes sense
    May 16, 2020 8:00 am

    Why a Bermuda United Together bond makes sense

    This is part one of suggestions to Curtis Dickinson, Minister of Finance, to raise capital and jump-start the “new normal” Bermuda economy.

    The three most important responsibilities every government has towards its citizens, according to...

  • Celebrating the amazing life skills of mothers
    May 9, 2020 8:00 am

    Celebrating the amazing life skills of mothers

    Happy Mother’s Day to all mothers in Bermuda.

    Moneywise has an invitation for readers. Please send me your mother/grandmother stories, recipes, and narratives of their wonderful survivor skills for the Bermuda Islander Survival...

  • Survival food and life skills during crisis
    May 2, 2020 8:00 am

    Survival food and life skills during crisis

    In this time and place it helps the psyche to return to the basics, to the everyday things we do to make life worthwhile. Moneywise will return to discussions of financial matters in a few weeks. Right now we all just have to get through this...

  • Survival food and other tactics while sheltering
    Apr 25, 2020 8:00 am

    Survival food and other tactics while sheltering

    Moneywise will be featuring survival food and other tactics to help with cash management over the next few weeks of the coronavirus sheltering.

    Any readers who would like to share cherished old family recipes and any other Bermuda survival...

  • When bad things happen to good people
    Apr 18, 2020 8:00 am

    When bad things happen to good people

    Life happens to all of us. We are trundling along, making plans for a vacation, thinking about a weekend get together, considering an advancement or a promotion in our workplace, buying that special pick-me up for the evening, children healthy,...

  • Don’t panic over your pension fund
    Apr 11, 2020 8:00 am

    Don’t panic over your pension fund

    If you’re alarmed by a slump in the value of your occupational pension fund as a result of a coronavirus-induced fall in the financial markets, please try to get the situation in perspective.

    At the time of writing on Thursday, the Covid-19...

  • The sequence of a capital market crash
    Apr 4, 2020 8:00 am

    The sequence of a capital market crash

    Moneywise is not featuring our 2020 hypothetical portfolio this month, as market values are significantly down from the beginning of the year.

    There were concerns from numerous well-established influential financial luminaries, highlighted...

  • Simple living and the wave to economic recovery
    Mar 28, 2020 8:00 am

    Simple living and the wave to economic recovery

    Bermuda is now more than a week into activation of coronavirus management mandatory self-quarantine actions: with a travel ban for our island encompassing airport, shipping, and with closures affecting businesses, schools, local transportation,...

  • Managing family finances in tough times
    Mar 21, 2020 8:00 am

    Managing family finances in tough times

    In the last few days, our Bermuda Government under the auspices of the current political party, and David Burt, the Premier, have taken steps to:

    • Ramp up financial aid programmes for Bermuda residents and businesses

    • Close the...

  • Good time to consider emergency planning
    Mar 14, 2020 8:00 am

    Good time to consider emergency planning

    Investors may have complacently thought that the continued rise in financial valuations would never end. The outlier, the so-called “Black Swan” event, this time the extremely serious impacts of the Covid-19 virus around the world became the...

  • How to research a stock of interest
    Mar 7, 2020 8:00 am

    How to research a stock of interest

    On January 4, 2020, Moneywise featured a reader’s pretend portfolio. We thank this individual again for the enthusiastic participation.

    This week, we discuss Teladoc Health. “I’m thinking about buying it,” our reader...

  • Long-term investors, don’t panic!
    Feb 29, 2020 8:00 am

    Long-term investors, don’t panic!

    Global trading markets experienced an absolute disruption (expressed in investment terms) last week.

    As fears of contagion from the coronavirus with the possible concomitant reductionor freeze in supply chains’ access for global...

  • A reader wonders if she has Bermudian status
    Feb 22, 2020 8:00 am

    A reader wonders if she has Bermudian status

    A reader who was born in the US, and has a Bermudian parent and a Bermudian grandfather who resides on the island, has asked a question about her status.

    She is 30, and while she has visited her relatives, she has never lived in Bermuda.

  • Our tax issues interconnected with the world
    Feb 15, 2020 8:00 am

    Our tax issues interconnected with the world

    Moneywise answers a reader’s questions, converted for confidentiality to generic anonymity. Any resemblance to any individual, living or deceased, is completely unintentional.

    Readers’ letters...

  • It all adds up: update on national pensions
    Feb 8, 2020 8:00 am

    It all adds up: update on national pensions

    This is an update, 18 years later, of the original Moneywise article published in January 2002.

    It has now been 20 years since the ground-breaking, game-changing Bermuda National Pension Scheme (Occupational...

  • Bonds and their unique characteristics
    Feb 1, 2020 8:00 am

    Bonds and their unique characteristics

    The Moneywise Pretend Portfolio yearlong series has been updated to reflect stock and bond prices at original issue and as at end of January.

    The portfolio is not yet complete as each month in the year-long programme,

    but please take...

  • A look at national pension scheme regulations
    Jan 25, 2020 8:00 am

    A look at national pension scheme regulations

    Dramatic changes to the Bermuda National Pension Scheme (Occupational Pension) Act 1998, the contributory benefit pension plan designed for all eligible employees in the private sector workforce, were announced by the Bermuda Government last...

  • Investing: should you do it yourself?
    Jan 18, 2020 8:00 am

    Investing: should you do it yourself?

    The monthly Moneywise Pretend Portfolio articles are generating interest, raising awareness of investing, and reader questions.

    Investments, even though we don’t realise their impact, are part and parcel of everyone’s financial...

  • Getting started in stock investing
    Jan 11, 2020 8:00 am

    Getting started in stock investing

    Readers have spoken. The launch of the year-long, once-a-month Moneywise pretend portfolio project has generated interest and reader feedback.

    We thank everyone who has taken time from their busy schedules to send commentary. The Moneywise...

  • Reader’s proposal for pretend portfolio
    Jan 4, 2020 8:00 am

    Reader’s proposal for pretend portfolio

    Part four of the of the Moneywise Pretend Portfolio Project.

    The new year is here! The old year is ancient history in the global finance investment world, one that may pause, but never stops.

    The S&P 500 Index...

  • A new year brings new opportunities for you
    Dec 28, 2019 8:00 am

    A new year brings new opportunities for you

    You’ve weathered the holidays. You did your very best to affirm and bring good vibes to family, relatives, friends, and clients.

    This is your commitment made to your world, and certainly they all had to appreciate your efforts.

    Now,...

  • Economic support of Christmas in Bermuda
    Dec 21, 2019 8:00 am

    Economic support of Christmas in Bermuda

    This semi-annual article has been updated for this year.

    Much is made of GDP numbers when talking about an economy. GDP stands for Gross Domestic Product, the monetary measure of the market value of all the final goods...

  • Tips on avoiding holiday overspend
    Dec 14, 2019 8:00 am

    Tips on avoiding holiday overspend

    As ever, the approaching holidays tend to take on an exuberant, some would say completely chaotic, life of their own.

    What will start out — as thoughts almost every year that “we aren’t going overboard again” — lasts for the first few...

  • Stocking up our hypothetical portfolio
    Dec 8, 2019 12:01 am

    Stocking up our hypothetical portfolio

    This is part three of our series featuring a hypothetical portfolio of stocks.

    Today we’ve finished the selection of stocks that we will be reviewing, analysing and tracking for an entire investment cycle, that is...

  • Lump-sum withdrawals: most are prudent
    Nov 30, 2019 8:00 am

    Lump-sum withdrawals: most are prudent

    The National Pension Scheme (Occupational Pensions) Amendment Act 2019 legislation, which will allow employees to take out a quarter of their private pensions as a lump sum on retirement, was passed by MPs in the House of Assembly on November 15.

  • Raising concern about financial accountability
    Nov 23, 2019 8:00 am

    Raising concern about financial accountability

    This week we review the report of the Auditor-General for completion of audit work for the financial year that ended March 31, 2018.

    Eight days ago the report was tabled in Parliament. It was submitted by Auditor-General, Heather Thomas, to...

  • Selection of investments for mock portfolio
    Nov 16, 2019 8:00 am

    Selection of investments for mock portfolio

    This is part two of the Bermuda Hypothetical Investment Portfolio, a continuation of last week’s article where Moneywise introduced the concept for selecting and tracking a pretend portfolio of stocks, bonds, and cash once a month for year,...

  • Managing a pretend investment portfolio
    Nov 11, 2019 8:00 am

    Managing a pretend investment portfolio

    US capital markets were on another tear and another all-time high last week.

    But is it for real? Is it driven by exemplary corporate earnings and corporate buybacks, or by twitter news, tariff vacillations and puffery?

    The inverted...

  • Kicking the tyres of a mutual fund
    Nov 2, 2019 8:00 am

    Kicking the tyres of a mutual fund

    It’s time to review a mutual fund fact sheet, prospectus and financial statements for the oldest operating mutual fund in the United States (since 1924), the Massachusetts Investor Trust (MFS) with current assets under management in excess of...

  • Running the rule over mutual funds
    Oct 26, 2019 8:00 am

    Running the rule over mutual funds

    Following last week’s money flow and investments article, we today begin a review of a mutual fund structure.

    Moneywise noted the recent mutual fund statistics where more than $50 trillion are held and invested worldwide...

  • The money flow effect and investments
    Oct 19, 2019 8:00 am

    The money flow effect and investments

    Incessantly, money flows in liquid-like streams up and down in commerce interactions and economic upheavals.

    At times, the flow will frantically speed up reminiscent of drenching rainstorms, while at other times it settles to a consistent,...

  • Why Bermudian investments matter to you
    Oct 12, 2019 8:00 am

    Why Bermudian investments matter to you

    Considering the role of Bermudian investments and their effect on you and your family. Your first thought: what! I don’t even have an investment account, so this type of article doesn’t affect me.

    Wait. Read on.

    Oh, yes investments...

  • Frustration and despair at delinquent employers
    Oct 5, 2019 8:00 am

    Frustration and despair at delinquent employers

    This is the last in the three-part series of review, comments and responses to the Bermuda National Pension Amendment Act 2019.

    Moneywise thanks the many who read the first two parts of this series last month, and then...

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