For many Anguillians, opening an electricity bill recently has become an unwelcome source of stress. At a time when families are already coping with higher food, fuel and living costs, the sharp increase in electricity bills has left many wondering what is causing the rise.

In response to growing public concern, ANGLEC’s newly appointed Chief Executive Officer, David Leonce, joined Board Chairman David Carty and Head of Information Technology Alvin Richardson in a press briefing on May 29th 2026 to explain the situation and outline the utility’s plans for the future.

While acknowledging the frustration felt by consumers, ANGLEC officials stressed that the issue extends far beyond Anguilla. Rising electricity costs are being driven largely by increases in global oil prices, ongoing geopolitical tensions, shipping disruptions and wider economic uncertainty.

As a small island that relies heavily on imported diesel to generate electricity, Anguilla remains particularly vulnerable to fluctuations in the international energy market.

Carty explained that fuel prices have increased dramatically in just a few months – rising from approximately $3.37 per litre in March to more than $5.20 per litre. Since diesel is one of ANGLEC’s largest operating expenses, those increases directly affect the cost of producing electricity.

Unlike larger countries with domestic fuel supplies or more diverse energy sources, Anguilla has limited options when fuel prices surge.

However, officials highlighted the Government of Anguilla’s role in helping to cushion the impact. Both Leonce and Carty described the government’s subsidy as critical in preventing even larger increases for consumers.

I.T. Head Jerry Richardson explained that residential customers currently receive a subsidy of $0.62 per kilowatt-hour on the fuel surcharge. With the surcharge standing at $1.04 per kilowatt-hour, households effectively pay about $0.42. Hotels and villas receive a subsidy of $0.39 per kilowatt-hour, leaving them responsible for roughly $0.65.

According to Richardson, customers whose electricity usage has remained relatively stable should see bills that stay close to previous levels despite the increase in fuel costs.

He also addressed confusion surrounding earlier bills, noting that some customers initially received statements showing the full fuel surcharge before government assistance was applied. ANGLEC is working to improve its billing system so customers can more clearly see both the surcharge and the subsidy on future bills.

A significant portion of the briefing focused on explaining how electricity bills are calculated, an area officials believe is often misunderstood.
Richardson said bills consist of two main components: the base electricity rate and the Fuel Cost Adjustment, commonly known as the fuel surcharge. While the base rate has remained relatively stable at around $0.63 per kilowatt-hour, the fuel surcharge rises and falls depending on fuel prices.

Both charges are multiplied by the amount of electricity consumed. As a result, even with government assistance, households that use more electricity will still see higher bills.
“The subsidy does not eliminate the need to conserve electricity,” Richardson emphasized. “It simply reduces the additional fuel-related cost.”

Although much of the discussion focused on immediate concerns, ANGLEC also outlined what it sees as the long-term solution: reducing Anguilla’s dependence on imported fossil fuels.

Leonce described renewable energy as essential to creating a more stable, affordable and resilient electricity system. Both he and Carty acknowledged that the transition toward renewable energy should have begun earlier to reduce the island’s exposure to the fuel price volatility now affecting consumers.

Nevertheless, officials said significant progress is now being made.
Central to those plans is a proposed 12-megawatt solar farm paired with battery storage. According to Leonce, environmental, engineering, geotechnical and social impact studies are currently underway and are expected to be completed by late 2026.
Once those assessments are finished, requests for proposals will be issued to engineering and construction firms, with construction potentially beginning in the second quarter of 2027 or earlier – if some stages of the project can overlap.

The solar project is expected to be developed in phases rather than all at once. This means portions of the facility could begin generating electricity before the full 12 megawatts are completed. Once approximately four megawatts are operational, ANGLEC may be able to retire one diesel generator, immediately reducing fuel consumption and operating costs.

The briefing also touched on rooftop solar systems for homes and businesses. While Leonce acknowledged their appeal, he pointed to challenges involving ownership, maintenance, insurance, storm damage and compensation for electricity returned to the grid.

He also raised concerns about fairness. If wealthier households are able to significantly reduce their reliance on the grid through private solar systems, the remaining costs of maintaining power lines, transformers and other infrastructure could fall disproportionately on those less able to afford them.

Officials also emphasized that rising fuel prices affect more than electricity. Carty noted that petroleum products play an important role in agriculture, particularly in fertilizer production, meaning higher oil prices can contribute to rising food costs worldwide. For an island that imports much of its food, this creates another layer of vulnerability.

At the same time, ANGLEC faces financial pressures of its own. Leonce revealed that the utility has absorbed some fuel costs in recent months rather than immediately passing every increase on to customers. However, he cautioned that this approach is not sustainable in the long term.

The company must continue maintaining infrastructure, preparing for storms, investing in renewable energy projects and meeting financial obligations, including loans secured through the Caribbean Development Bank.

Until renewable energy projects begin reducing the island’s reliance on diesel, officials say conservation remains the most effective action consumers can take.

Richardson identified air conditioners, refrigerators and other motor-driven appliances as some of the largest contributors to household electricity use. Small adjustments, such as increasing thermostat settings, turning off unused lights and reducing unnecessary appliance use, can make a noticeable difference in monthly bills.

For now, ANGLEC’s message is one of realism and reassurance. While government subsidies may provide short-term relief, ANGLEC believes the island’s long-term protection lies in reducing its dependence on imported fuel. The conversation is no longer just about electricity but also about affordability, resilience and how Anguilla can build a more secure future in an unpredictable world.

By Janissa Fleming

Why are we still thinking about what’s in (or missing) from our Constitution? Last September, our Premier asserted, “We have to progress with full-fledged constitutional reform. It is interesting because at this same time as well, many of the Overseas Territories are also revisiting their constitutional status and are seeking greater self-internal government. And so too we in Anguilla are along the same path.” [1]
Part of being a constitutional democracy means taking part in democracy! And one of the most elemental forms of democracy is when the People are empowered to have power through initiatives and referenda.

“Self-internal Government”: Putting Bills on Ballots
If you think Anguilla must be independent to exercise “self-internal government” by proposing our own laws or to demand the repeal of enacted laws, think again! None of the US states are independent nations, and yet, “…26 states provide for a statewide initiative process, referendum process, or both. Washington, D.C. also has an initiative and referendum process. These types of ballot measures are known as citizen-initiated ballot measures.” [2]
To propose new laws or amendments to state constitutions, the “initiative process” recognises the collection of citizens’ signatures to petition legislators and governors to allow voters to adopt or reject new statutes – and enact them, often without executive veto privileges.[2]
Many states also allow the People to retain or repeal bills after becoming laws. Thus, a “referendum process” establishes the mechanism for voters’ signatures to “ask voters whether to uphold or repeal an enacted law” as a ballot measure.[2]

Taking a Stand Standing the Test of Time
Among the US states that allow the People to propose and repeal the laws that govern them, South Dakota happens to have the oldest, as well as the most recent such amendments. Their first was enacted before 1900, and the most recent, some seventy-five years hence.
First proposed in 1897 and adopted in 1898, Article III of the South Dakota Constitution established the powers of a bicameral legislature with a state senate and house of representatives. That is, with the following stipulation, “However, the people expressly reserve to themselves the right to propose measures, which shall be submitted to a vote of the electors of the state, and also the right to require that any laws which the Legislature may have enacted shall be submitted to a vote of the electors of the state before going into effect, except such laws as may be necessary for the immediate preservation of the public peace, health or safety, support of the state government and its existing public institutions.” [3]
The latter exception for emergency powers exposes their citizens to capricious, rushed legislation. Nonetheless, it poses an interesting question of whether the right to submit a law to the voters “before going into effect” might not also be afforded to them thereafter.[3]

Self-governance ? with Specific Guardrails
South Dakotan voters can also exercise such rights of self-governance if their numbers reach a threshold. Whereby “Not more than five percent [5%] of the qualified electors of the state shall be required to invoke either the initiative or the referendum.”[3]
Lawmaking powers were also affirmed for lawmakers, as it continued, “This section shall not be construed so as to deprive the Legislature or any member thereof of the right to propose any measure.” However, their constitution restrained the executive from over-riding the People by stipulating, “The veto power of the Executive shall not be exercised as to measures referred to a vote of the people. This section shall apply to municipalities. The enacting clause of all laws approved by vote of the electors of the state shall be: ‘Be it enacted by the people of South Dakota.’” And the state representatives must ensure that the will of the People is followed, concluding, “The Legislature shall make suitable provisions for carrying into effect the provisions of this section.”[3]
This section of their constitution has notably remained a living document. Revisions and amendments have been proposed and rejected or adopted in seven cycles from 1914 to 1988.[3]

Provisions for the People to Amend their Constitution
In addition to the initiative and referenda powers for new laws or to repeal others, Article XXIII of the South Dakota Constitution states that, “Amendments to this Constitution may be proposed by initiative or by a majority vote of all members of each house of the Legislature. An amendment proposed by initiative shall require a petition signed by qualified voters equal in number to at least ten percent [10%] of the total votes cast for Governor in the last gubernatorial election.”[4] Such specifics lay a foundation for constitutional initiatives to be legally binding.
The text continues, “The petition containing the text of the proposed amendment and the names and addresses of its sponsors shall be filed at least one year before the next general election at which the proposed amendment is submitted to the voters. A proposed amendment may amend one or more articles and related subject matter in other articles as necessary to accomplish the objectives of the amendment, however no proposed amendment may embrace more than one subject. If more than one amendment is submitted at the same election, each amendment shall be so prepared and distinguished that it can be voted upon separately.” This section was amended in 1964 and refined through 2018, with the addition of the “single-subject” rule.[4] And a year helps ensure enough time to consult and fully inform the electorate on the issues.

Revision and Ratification
The South Dakota Constitution further provides for a “convention to revise this Constitution” if “called by a three-fourths vote of all the members of each house” – and it may be initiated by the voters. With its members “elected on a nonpolitical ballot in the same districts and in the same number as the house of representatives”. If a majority of members approve amendments or revisions, adoption would require a “special election in a manner to be determined by the convention.” [4]
However, regardless if initiated by a legislator, convention or petition, “Any constitutional amendment or revision must be submitted to the voters and shall become a part of the Constitution only when approved by a majority of the votes cast thereon.”[4] Should 11 members of our review committee have been elected by the People? And, once proposed, should any revisions contemplated by our current government also be put to the People for a vote? – perhaps starting with clauses to enshrine our self-governance rights to propose laws – and repeal them? Our Constitution lacks both.[5]

Referenda, Petitions…and the General Services Tax (GST)
And yet. “A referendum on separating from Saint Kitts and Nevis was held in Anguilla on 11 July 1967…[and] approved by 99.72% of voters.”[6] Imagine if that right to initiate or repeal laws was in our Constitution. The People signed petitions to block the Goods and Services Tax Act of 2021. The last petition was signed by more people than those who approved separation in 1967![7] Instead, the last election was our proxy for a referendum to repeal a repugnant law. In keeping with our most fundamental moment in history, does this unelected review committee have the vision to enshrine our right for a real referendum to finish the job to restore our civil rights and freedom of commerce?

Repeal General Services Tax – and pass a balanced budget bill. Now.
This article reflects issues raised on July 5, 2021, at the House Select Committee on GST Public Hearing.
[1]https://www.caymaniantimes.ky/news/anguilla-mulls-constitutional-reform; [2]https://ballotpedia.org/ States_with_initiative_or_referendum; [3] https://ballotpedia.org/Article_III,_South_Dakota_Constitution;
[4] https://ballotpedia.org/Article_XXIII,_South_Dakota_Constitution; [5] Anguilla Constitution Order 1982; [6] https://en.wikipedia.org/wiki/1967_Anguillian_separation_referendum; [7] https://www.caymaniantimes. ky/news/petition-against-new-anguilla-tax.

Mr. Leonce’s arrival to ANGLEC (Anguilla Electricity Company) takes place at a defining period for the company and wider Caribbean energy sector as we face unprecedented volatility that requires strong and transformative leadership. Across the region and internationally, electric utility companies are facing increasing pressure to modernize infrastructure, strengthen sustainability and resilience, through the integration of innovative operations and advancements in renewable energy to better navigate the rapidly evolving energy demands.
A national of St. Lucia, Mr. Leonce is an executive that brings decades of distinguished leadership and experience from across the electric utility industry, supported by a rare multidisciplinary background. His academic qualifications include degrees in Business Administration, Energy and Infrastructure Law, Engineering and Public Policy, and Energy Engineering Technologies. He also holds several internationally recognized certifications including but not limited to engineering, project management, maintenance management, electrical construction, and power-line systems. Throughout his career, Mr. Leonce has held several senior leadership positions including President and CEO of Westario Power Inc. in Ontario, Canada, President and CEO of Saba Electric Company N.V.in the Dutch Caribbean, and CEO/General Manager of Energyze Holdings Inc. in St. Lucia.

As ANGLEC continues advancing its long-term vision for grid modernization, renewable energy integration, and infrastructure development, the company is pleased to announce this appointment which closely follows ANGLEC’s recent renewable energy agreement signing with the Caribbean Development Bank (CDB), a major strategic development expected to support the company’s continued transition toward a more resilient, affordable and sustainable energy future for Anguilla.
“We look forward to Mr. Leonce expertise. He has some major lifting to do and the Board of Directors hope that over the coming years that he will make significant progress on what he has come to us to do, for ANGLEC and Anguilla,” noted Mr. David Carty (ANGLEC Board Chairman).

Organizations throughout the Caribbean, including CARILEC member utilities like ANGLEC, continue emphasizing the importance of future-focused leadership as the region evolves toward greater sustainability, energy security, affordability, digital modernization, and operational resilience. On his first day Mr. Leonce echoed this shift stating, “I want to firstly thank the Board, the Shareholders, Management and Staff for welcoming me to ANGLEC and [to] serve as the CEO of ANGLEC. It is an electric utility I have very much monitored over the years. I recognize the concerns the public has regarding the cost of electricity, and I believe the path forward will require us to remain focused and transparent through our communication as we make strategic investments and carefully plan for the coming years. I am confident that ANGLEC is moving in the right direction and as we look into the future, we must prepare ourselves for all that is ahead.”
ANGLEC now enters the next chapter with a strengthened foundation for strategic growth, technical advancement, and the continued evolution of Anguilla’s energy sector in an increasingly modern and demanding global landscape.

The National Commercial Bank of Anguilla (NCBA) held its tenth anniversary corporate dinner at the elegant DaVida’s Restaurant in Crocus Bay on the evening of Saturday, April 25th.

The occasion, dubbed “The Decade: A Corporate Affair”, was attended by white-attired guests, representing a cross-section of Anguilla’s corporate community; the Honourable Premier Cora Richardson-Hodge; Her Excellency the Governor Julia Crouch; Government officials; stakeholders in business; staff and officers of the Bank itself; and former Premier Victor F Banks among others. The Mistress of Ceremony was the Director of Radio Anguilla, Ms. Farrah Banks.

The event was opened by a passionate prayer offered by the Bank’s Executive Assistant to the CEO, Ms. Karen Hodge. She thanked God for the foresight, courage and perseverance of those who laid the foundation of the institution, and for the leaders who had guided it through its seasons of growth. She also gave thanks for the members of the dedicated staff who had contributed to the Bank’s strength and reputation.

Warm welcome remarks were delivered by Executive Manager of Banking Services, Ms. Marisa Gumbs. Former CEO and current Chairlady of the Board, Mrs. Sharmaine Vaughan, delivered cordial remarks. As CEO, Mrs. Vaughan had served in quite an instrumental capacity during the Bank’s formative years.

“Today, NCBA is a strong, stable and highly performing financial institution,” Mrs. Vaughan declared. “We are the leading bank in Anguilla and in the Eastern Caribbean.” Referring to NCBA’s quality of transformation, she stated: “Today, we operate with strong liquidity, sound capital, improving asset quality and a clearly defined strategy for sustainable growth.”

She remarked that no institution can achieve this level of transformation alone. “This institution was built upon the shoulders of many, and so we pause to recognize and honor those who laid the foundation for the success that we celebrate today.”

She then acknowledged the work of the several past directors. She also commended the Bank’s past Secretary, Mr. Alex Richardson, who had faithfully served over the past ten years. In addition, she paid due recognition to past Chairmen Mr. Colville Petty and Mr. Carl Harrigan, as well as Vice-Chairman, Jeff Scott. “We thank you all for your stewardship, your courage and your leadership during the defining moments in our institution’s history,” she affirmed.

“To our management and staff, both past and present, you are the engine of NCBA. Your dedication, resilience and commitment to excellence, particularly during the challenging years, have brought us to this moment of celebration…”

“But as we celebrate, we also reflect on our inadequacies,” Mrs. Vaughn admitted. “We know there are certain areas that we must improve on, particularly in the area of service delivery. As your current Chairlady of the Board, I make this commitment to our customers. We hear you; we see you; and we will deliver.”

Governor of the Eastern Caribbean’s Central Bank (ECCB), Mr. Timothy Antoine was on hand to give congratulatory remarks and to highlight certain aspects of the bank’s development and history.

“In 2016 when I first came to Anguilla, it was to assess the conditions under which the two indigenous banks, National Bank of Anguilla (NBA) and Caribbean Commercial Bank (CCB) had collapsed and to try to formulate a solution. I recognized that good sense must prevail, and together, with the Government of Anguilla, the ECCB worked assiduously and relentlessly to execute the resolution.”

He stressed that crafting the creation of NCBA out of the demise of NBA and CCB was not an easy task. He noted that one of the key concerns after the formation of NCBA was to encourage Anguillians to embrace the newly modified bank, since it was the people’s bank, and it would only succeed if Anguillians rallied behind it. “Tonight, the jury is in,” Governor Antoine determined. “Anguilla has rallied behind NCBA.”

“Standing here, ten years later, I am immensely gratified by this outcome,” he said. “As a man of faith, in those early, trying days, I drew strength from a portion of Scripture found in Romans 12:12, which says: ‘Be joyful in hope; patient in affliction; faithful in prayer.’”

He characterized NCBA by three principles that have spelt its success, and he took time to elaborate on them: 1 – NCBA is a product of decisive leadership and strong partnership; 2 – NCBA has become a pillar of stability and national development for the people of Anguilla, evolving from bridge-bank to a billion dollar bank; and 3 – NCBA must see the next decade as one of transformation, innovation, strong governance and enhanced development impact.

Governor Antoine commended Anguilla’s Premier of that era: “It was Premier Victor Banks who provided decisive leadership at the moment of NCBA’s creation. Let us now applaud him,” he said.
In the same vein the Governor recognized the contributions made to NCBA by former Premier, Dr. Ellis Webster, who demonstrated great support for the institution. “He too must be applauded,” he said. And, of course, he acknowledged the service of the current Premier, Mrs. Cora Richardson-Hodge who is leading NCBA into its second decade.

In addition, Governor Antoine singled out the long-standing service of Mr. Aiden Harrigan who served as Permanent Secretary in the Ministry of Finance throughout the bank’s creation process. “I want to recognize his yeoman’s service,” he said. “So, Aiden, take a bow!” Governor Antoine acknowledged Mr. Harrigan for his role in contributing to the Bank’s buoyancy. Mr. Harrigan is a former Board Member of the ECCB as well as a current Board Member of NCBA.

Overall, Governor Antoine expressed his satisfaction and approval with NCBA’s operations: “NCBA is a trusted institution,” he stressed, “owned by the people of Anguilla, through the Government of Anguilla as the sole shareholder, holding the Bank in trust for the people of Anguilla. NCBA supports households and businesses all across Anguilla. This success belongs in no small measure to you, the people of Anguilla. Your trust made NCBA possible, and the Central Bank is pleased with your Bank’s progress.”

The Honourable Premier and Minister of Finance Mrs. Cora Richardson-Hodge also gave remarks. “I am both humbled and proud to stand before you, not only as Premier and Minister of Finance, but also as a former Minister of Government in 2016, when the National Commercial Bank of Anguilla was born from the vestiges of the National Bank of Anguilla and the Caribbean Commercial Bank…”

She reflected on how the weight of making the decision to create a new bank from the two collapsed banks laid heavily on the shoulders of the then Premier, Victor Franklin Banks, who shed many tears during the frustrating process.

In a somber yet emotional tone, the Premier reflected: “I don’t think any of us can appreciate the heavy weight that Mr. Banks carried. He felt the need to protect depositors’ accounts, preserve livelihoods, and to ensure stability in the banking sector. He felt the cost of implementing a resolution that might or might not have been successful and he felt the desire to ensure the continued existence of an indigenous Anguillian bank.”

The Premier invited all the guests present to resoundingly applaud Mr. Banks for his leadership and decisiveness during that difficult period of NCBA’s creation.

In retrospect, the Premier remarked that NCBA’s success was primarily due to the will of the people who worked hard to achieve the mission. “What made this institution truly special are its people,” she said. “The dedicated staff, the prudent leadership of its Board, and the trust placed in the Bank by its customers had all been essential to its success. So, this anniversary is as much a celebration of you, the people, as it is of the institution itself.”

Also speaking at the event were previous directors Ms. Marissa Harding-Hodge, and Ian Chinapoo who spoke via video feed. Interim CEO, Mr. Jerrick Evangelista presented an extensive report of the Bank’s financial standing. One spectacular feature of the night was the sterling rendition of Etta James’ “At Last” sung by Senior Credit Officer, Shyrone Hughes-James. This was followed by special presentations, and the Vote of Thanks by Director, Twana Duncan-Van Heyningen.

By: James R. Harrigan

The conversation around money in Anguilla is an ever present one and on Friday, 24th April 2026, it pressed on further when the National Commercial Bank of Anguilla (NCBA) hosted its Family and Finance Panel event, part of the institution’s 10-year anniversary celebrations. What unfolded was not just a discussion about dollars and cents, but a thoughtful, deeply relevant exploration of how families can secure their futures in an increasingly complex world.

The panel brought together a mix of professional voices and lived experience, featuring Dr. Justin Ram, Keesha Fleming-Lake, Thomas Astaphan K.C., Tonae Simpson-Whyte and Sharmaine Vaughan. Together, they tackled issues many Anguillian families quietly grapple with — how to balance household needs with business ambitions, how to navigate legal and financial obligations, and how to build something sustainable across generations. The concept of a “Family Finance Makeover” framed the session, inviting attendees to rethink not only how they manage money, but how they plan their lives.

Central to the evening was a compelling presentation by Dr. Justin Ram titled “Why Family Financial Planning Matters.” Rather than approaching finance as something to be addressed only when challenges arise, Dr. Ram urged a more holistic and forward-thinking perspective. He introduced what he described as a “lifecycle approach to financial planning,” a framework that follows a family’s journey from before a child is even born through to end-of-life considerations.

“It is one family, but there are multiple timelines competing for financial priorities,” Dr. Ram explained, capturing a reality familiar to many households. In a single family, there may be parents striving for career advancement, children preparing for university, and elderly relatives requiring care all at once. This overlapping of responsibilities, he suggested, makes financial planning not just important, but essential.

Dr. Ram described a financial plan as “a roadmap that connects resources, goals, and timelines across generations.”

Preparation cannot be postponed. “The time for preparing for emergencies is not when the emergency happens,” he said, a reminder that proactive planning is the difference between resilience and crisis. Yet, he also emphasised that financial stability is not solely about survival. Families must leave room to “enjoy life,” recognising that well-being includes both security and quality of living.

Beginning at the earliest stage of life, Dr. Ram pointed out that financial decisions start even before a child is born. From prenatal care to health insurance coverage, prospective parents must assess their readiness not just emotionally, but financially. Once a child arrives, expenses quickly multiply. Childcare, nutrition, education, and healthcare are not one-off costs, but ongoing commitments that require careful planning and discipline.

As children grow, the financial demands grow along with them. Adolescence, in particular, brings a sharp increase in expenditure, especially around education. Dr. Ram shared a humorous yet relatable anecdote about receiving messages from his children abroad, noting that they often signal more than a simple greeting. “It is not just ‘daddy, how you’re doing,’” he joked, “but ‘daddy, I need this.’” Beneath the humour lies a serious truth: education represents one of the most significant financial investments families will make, often peaking before young people begin earning their own income.

He stressed that preparing children for independence is just as important as funding their education. Encouraging savings habits early, he noted, can shape how young adults approach major milestones such as purchasing their first home.

That transition into adulthood, however, brings its own uncertainties. Dr. Ram recounted a conversation with his daughter, who questioned whether her generation would ever achieve full financial independence. It is a concern that resonates with many young people navigating rising living costs and evolving career paths. But, according to Dr. Ram, the answer lies in discipline — managing spending, avoiding “lifestyle inflation,” and investing early.

For those entering the stage of building their own families, the pressure can be at its highest. Mortgages, vehicles, children’s education, and daily expenses converge, often creating a financial balancing act. Dr. Ram described this period as one where “multiple obligations converge,” making it crucial to increase savings, diversify investments, and maintain adequate insurance coverage.

As life progresses towards retirement, priorities shift once again. The focus turns to risk management — reducing debt, planning for healthcare, and safeguarding assets. Retirement itself also introduces a new challenge: sustaining income rather than generating it. Managing savings wisely becomes essential, ensuring that individuals can maintain their lifestyle without exhausting their resources. Yet even here, Dr. Ram encouraged a balanced approach, urging retirees to plan for travel, hobbies, and the freedom to experience life after decades of work.

Perhaps the most sobering part of the discussion centred on end-of-life planning, a topic often avoided but deeply consequential. Dr. Ram spoke candidly about the difficulties families face when loved ones leave behind unclear financial arrangements. Without proper planning, relatives may encounter legal complications, delays, and emotional strain. He emphasised the importance of wills, clear asset distribution, and practical strategies to ease transitions. “Planning reduces financial and emotional stress for survivors,” he said, offering both a warning and a call to action.

In closing, Dr. Ram urged attendees to align each stage of life with appropriate financial tools—from savings accounts and insurance policies to investments and mortgages. He encouraged especially younger generations to take an active interest in investing, advising them to “start earlier rather than later” and to explore opportunities beyond their immediate environment.

Planning is not a single act, but a continuous process. Financial stability is not built overnight, but with intention, foresight, and a willingness to have conversations that matter.

The conversation now turns to the delicate act of balancing family, business and financial goals — an issue many Anguillians know all too well. In the next instalment, panellists unpack the realities of managing enterprises while maintaining stable households.

By Janissa Fleming

Residents across Anguilla were treated to a colourful and spirited procession on Saturday, 18th April 2026, as the National Commercial Bank of Anguilla (NCBA) carried its ongoing 10th anniversary celebrations onto the island’s roads with a carefully choreographed motorcade that blended festivity with community outreach.

The motorcade, one of several activities commemorating a decade of NCBA’s operations, set off from the bank’s St. Mary’s Street Branch in The Valley, where participants assembled before embarking on a route that would wind through communities from west to east and back again. Vehicles, organised in a striking sequence of purple, light blue, and green, created a moving display that drew attention and curiosity along the route, offering residents a visible reminder of the institution’s milestone.

From The Valley, the procession moved steadily through George Hill and on to South Hill, where its first major stop brought a more personal dimension to the day’s proceedings. At Greig’s Trucking, the motorcade paused in support of the All For Won Boys Club initiative. During this stop, a donation of US$500 was presented to the All For Won Club, reinforcing NCBA’s stated commitment to youth development and community partnerships.

The journey then continued westward, looping past the scenic Meads Bay area and Malliouhana before turning back towards Lower South Hill. As the motorcade advanced, it transitioned into its southern leg, passing through Spring Path and Blowing Point, and travelling along the Jeremiah Gumbs Highway en route back towards The Valley. The steady movement of vehicles, accompanied by honking horns and waving participants, lent a celebratory rhythm to communities along the way.

The motorcade pressed on into its northern leg. From Stoney Ground, the procession travelled through Little Dix and Bad Cox before making its way into Island Harbour, ensuring that residents in the eastern districts were equally included in the day’s events.

The final stretch carried the motorcade through White Hill, East End, Sandy Hill, Long Path, and The Quarter, gradually circling back towards The Valley. By the time the procession reached its concluding point at the Raymond E. Guishard Technical Centre, it had effectively traced a broad loop around the island, symbolically connecting communities in a shared moment of recognition.

While modest in scale, the motorcade’s island-wide reach underscored a larger message: that NCBA’s ten-year journey is intertwined with the communities it serves. For many onlookers, the passing convoy was more than a celebratory display—it was a reminder of the bank’s presence in everyday life, from personal banking to community support initiatives.

By Janissa Fleming

After being prorogued for over three weeks, the Anguilla House of Assembly opened rather prematurely on Tuesday, April 6th for an urgent sitting to pass legislation, namely the Customs Temporary Modification of Valuation of Imports Act 2026. This Act provides for the adjustments to customs duties calculations.

The House had been prorogued on March 11th and was due to reconvene on April 14th, but with strains of geopolitical tensions potentially affecting businesses and households, Government made the decision to open the House urgently to pass a Bill to remove freight and insurance costs when calculating customs duties. The Bill’s first, second and third readings were heard and passed as a matter of urgency in the one sitting.
The Customs Temporary Modification of Valuation of Imports Act 2026 provides that effective April 10th, and for a period of three (3) months thereafter, freight and insurance charges will be excluded from the calculation of customs duties on applicable imports. This initiative forms part of the Government’s broader response to the ongoing developments of the war in the Middle East and its impact on the cost of living.
In line with this measure, customs duties will be calculated based only on the basic cost of goods. Government insists that this relief applies only to goods imported on or after April 10th, 2026. Goods imported prior to this date would not qualify for this benefit, regardless as to whether they have been entered, assessed or cleared after April 10th.

Consumers are advised to carefully review receipts and invoices when purchasing imported goods. It would be important to ensure that freight and insurance charges are not being used to calculate duties for imports during this relief period of three months in the first instance.
Importers must be aware that goods imported prior to April 10, 2026 remain subject to the existing duty calculations formula. Importers must report any concerns or discrepancies to the Customs Department. The Customs Department would be working closely with relevant stakeholders to ensure the smooth implementation of this measure and to safeguard consumer interests.
The Government of Anguilla remains committed to taking targeted and timely action to support economic stability and to ease cost-of-living pressures. Anyone having concerns or who wishes to have further information on this customs relief measure should contact the Customs Department.

By James R. Harrigan

Walk into many shops in Anguilla and prepare to be quoted a price in US dollars first. It doesn’t matter that you’re standing on Anguillian soil, that the bill for your groceries will ultimately be tallied in Eastern Caribbean dollars (EC$) — the official currency of Anguilla — you still get quoted in USD first.
I’ve even caught myself tempted to hand over EC$11 when the clerk tells me that “your total is eleven dollars,” fully aware they mean USD. It’s petty, I know — but it begs a bigger question: why are we so quick to put someone else’s green paper over our own?

Anguilla, along with seven other members of the Eastern Caribbean Currency Union (ECCU), uses the EC dollar as the currency of record. It is issued and managed by the Eastern Caribbean Central Bank (ECCB), anchored by law and by regional agreement. The EC dollar replaced the British West Indies dollar in 1965, and since 1976 it has been generally fixed at EC$2.70 to US$1 – though it may differ slightly in certain areas here.
That fixed rate is important. It means the EC dollar does not fluctuate wildly against the US dollar. It provides stability for trade, investment and tourism. And crucially, it means that paying in US dollars does not make goods cheaper locally.

And yet, in everyday life here in Anguilla, the rhetorically dominant currency you hear at the checkout, on credit card machines, in menus and in tourist-facing pricing isn’t EC$, it’s the US dollar.
Why? Because that fixed relationship makes it easy.
But, also because tourism remains the dominant force.
One does not have to be an economist to see what’s happening: tourism and foreign exchange matter. American visitors arrive accustomed to thinking in US dollars. Many hotels, restaurants and tour operators price exclusively in US$ to make it seamless for guests. Even locals who work in the private sector — particularly in hospitality — are often paid in US dollars.

Meanwhile, teachers, nurses, civil servants and many others in the public sector are paid in Eastern Caribbean currency. Grocery stores price primarily in EC. Utilities are billed in EC. The official currency, in other words, anchors everyday domestic life — yet a de facto foreign favourite often leads the conversation at the point of sale.

It’s a bit like living in the UK and being quoted prices in euros before pounds; it just feels off.

Other countries manage multiple currencies differently. In the United States, you simply cannot pay in anything other than the US dollar. In the United Kingdom, you won’t find a café that welcomes euros at the counter. Our French and Dutch neighbours in St. Martin/St. Maarten handle euros, guilders and US dollars, but even there the local currency often receives visual priority in many spaces. That’s not quite the case in Anguilla.

So why does it feel as if the US dollar gets priority here?
There is no single answer and opinions may differ between persons. But part of the answer lies in the economic architecture of the region. The EC dollar was born out of a shared understanding that small island economies benefit from monetary unity. When the tie to the US dollar was formalised in 1976, it was designed to stabilise our economies against global uncertainty and provide confidence for investors and visitors alike.

When a currency holds steady, importers know what they are paying, governments can plan, and tourists can budget. The tie is not accidental dependence; it is deliberate policy. But it also means that the US dollar functions as the reference point against which our own is measured.

There is also a psychological component. In a place where tourism accounts for a significant portion of GDP, a host culture develops to accommodate the spending habits of visitors. In practical terms, that means menus, price tags and tills often display US$. In social terms, it means many of us come to think in US values first, EC second.
The US dollar carries global weight. It is more recognisable internationally and often perceived as stronger, even though the EC dollar’s stability is precisely what allows that perception to exist. Quoting in US can make prices appear cleaner, more familiar, perhaps even more marketable.

But this raises a deeper question: when the default pricing language shifts away from the currency that anchors local life, what does that show? Not about monetary weakness — because the EC dollar is stable — but about habit and hierarchy.

Are we, consciously or not, reinforcing the idea that the US dollar is the “real” money, and ours is simply the local translation?
This is not an argument for banning US dollars. That would be impractical and economically unwise. Tourism is an essential pillar of Anguilla’s prosperity. Welcoming visitors means accommodating them.
But there is a difference between accommodation and automatic prioritisation.
Currencies are more than instruments of trade; they are symbols of confidence. The EC dollar has reinforced regional stability for decades. It pays our public servants. It circulates through our communities. It represents a shared Caribbean monetary identity.

Perhaps the question is not whether we accept US dollars. It is whether we have grown too comfortable thinking in them first.

And if the first price we hear, the first number we process, and the first currency we default to is always someone else’s — what message are we quietly sending to visitors and to ourselves?

By Janissa Fleming

Students from the Valley Primary School, Morris Vanterpool Primary and Destiny Academy were present on Friday 20th March to collect their awards after claiming top places in the National Commercial Bank of Anguilla (NCBA) “How I’ll Grow My Money” Financial Information Month (FIM) Book Writing Competition.
The NCBA had kicked off its 10th anniversary celebrations on Friday, 20th March 2026 by hosting its “How I’ll Grow My Money” Financial Information Month (FIM) Book Writing Competition Awards Ceremony. The event brought together students, educators and bank representatives to recognise the creativity and financial awareness demonstrated by primary school participants across the island.

Delivering an overview of the competition, Mr. Shamar Gaskin explained that Financial Information Month, observed annually across the Eastern Caribbean Currency Union each October, aims to promote financial literacy among citizens. In 2025, NCBA embraced the initiative with a series of outreach efforts, including the book writing competition tailored specifically for primary school students.

Mr. Gaskin noted that the initiative began with interactive financial literacy sessions in schools, equipping students with the foundational knowledge needed to explore the concept of money management. From there, students were invited to create original pictorial storybooks, each no more than ten pages, illustrating their ideas on how to grow money. The competition was open to both public and private primary schools, with each institution permitted up to two group submissions.

“The students produced books filled with imagination and insight,” Mr. Gaskin said, adding that all participants would receive special recognition from NCBA, alongside prizes for the top three entries.

Offering a glimpse into the judging process, Dr. Timothy Hodge, one of three judges alongside Ms. Farrah Banks and Tr. Patricia “Patsy” Adams, described the experience as both challenging and inspiring. He explained that the judges were tasked with evaluating each submission independently, considering adherence to rules, quality of writing, creativity and the effectiveness of illustrations.

“It was not an easy task,” Dr. Hodge remarked. “At the end, we come together to determine the final placements. But what stood out was the remarkable creativity of our students.”

He highlighted the diverse approaches taken by participants, from hand-drawn illustrations crafted with crayons and coloured pencils to digitally produced artwork and even AI-assisted designs. Some submissions, he noted, were of such quality that they appeared ready for publication.

“The theme was simple — ‘How I’ll grow my money’ — yet the responses were incredibly varied,” he said. “If you asked ten people that question, you would likely get ten different answers, and that is exactly what we saw reflected in these books.”

Dr. Hodge praised the initiative as a meaningful exercise in both literacy and life skills, encouraging educators and students to continue such creative pursuits beyond the confines of competition.

The ceremony then moved to the distribution of awards, with assistance from Mr. Jerrick Evangelista, Ms. Marisa Gumbs and Dr. Aidan Harrigan. Participatory awards were presented to a number of students, including Ky’Andre Connor and Isaiah Bakrim of the Vivian Vanterpool Primary School; Keimara Rogers, Jonathan Willock, Xahra Linton, C’Meah Carty, D’morie George and Eduardo Carty of the Omololu International School; Oluwaseun Grant and Younique Stott of the Adrian T. Hazell Primary School; Cynfanie Liburd, Destiny Hayles and Shaiquoi Ruiz-Ozoria of the Morris Vanterpool Primary School; and Sophia Jordyn C. Richardson, Mikayla Brooks and Rannelys Mota-Alfonsec of the Valley Primary School.

Each of these participants received an education savings account at NCBA valued at EC$100.

Meanwhile, third place overall was awarded to Joanna Lloyd, David Lloyd, Zane Burton, Zuri Burton and D’marie Alfred of the Destiny Academy, who each received an education savings account valued at EC$200. Second place went to Ricquoi Richardson, Antoine Codlyn and Messiah Baptiste of Morris Vanterpool Primary, each earning an account valued at EC$300.

Top honours were awarded to Elyssa George, Castiel Lomasoc and Deandre Duke of Valley Primary, whose winning entry secured an education savings account valued at EC$500 for each of them. Their book, entitled The Man Who Saved His Money, drew particular praise for its creativity and presentation, with its cover art notably hand-drawn.

As part of their prize, the winning book will be professionally published and illustrated, with plans for it to be made available through an online store – to be determined. Proceeds from its sale will also be directed to the winning school.

More than a competition, the event stood as a testament to the power of early financial education, proving that even the youngest voices can offer meaningful perspectives on building a secure future.

By Janissa Fleming

As we move on to Chapter V, the 1982 Anguilla Constitution Order enshrined powers to “make laws” beginning with Section 47, “Subject to the provisions of this Constitution, the Governor, with the advice and consent of the Assembly, may make laws for the peace, order and good government of Anguilla.” [1] So, only an appointee can “make laws” – limiting elected members to advise, agree or disagree?

Royal Instructions
Section 48 links back to the monarchy, saying, “Subject to the provisions of this Constitution, the Governor and the Assembly shall, in the transaction of business and the making of laws, conform as nearly as maybe to the directions contained in any Instructions under Her Majesty’s Sign Manual and Signet that may from time to time be addressed to the Governor in that behalf.”[1]

Rules of procedure
Section 49 gives latitude for House rules, then retracts it: “Subject to the provisions of this Constitution and of any Instructions under Her Majesty’s Sign Manual and Signet, the Assembly may … make, amend and revoke rules of procedure …and the despatch of business, and for the passing, intituling and numbering of Bills for the presentation thereof to the Governor for assent; but no such rules … shall have effect until the Governor, acting in his discretion… approves them.”[1]

Presiding in Assembly
Section 50 requires, “(1) When the Assembly first meets after a general election, or after the office of Speaker has fallen vacant for any [other] reason… and before…any other business, the Assembly shall elect a… Speaker… from among persons who are qualified for election…” but not from Executive Council.[2] Electing a Deputy Speaker was later included, as would be another member’s election for a single sitting if both are absent.[2,3] Conditions that “vacate” their offices include: dissolution of Assembly; resignation; two-thirds vote; ceasing to be a member (Section 39); joining Executive Council; or if not a member, if the Speaker becomes disqualified for election under Section 37. [3]

Assembly may transact business not-withstanding vacancies
Section 51 is ironic: “The Assembly shall not be disqualified for the transaction of business by reason of any vacancy… and any proceedings therein shall be valid notwithstanding that some person who was not entitled to do so sat or voted in the Assembly or otherwise took part in those proceedings.”[1] Ironic? See Section 56. Laws can be made without any Assembly at all!

Quorum
However, Section 52 allows “any member of the Assembly who is present” to object to “the transaction of business” without a quorum (two-thirds) and for “the person presiding” to “adjourn the Assembly” once the rules for confirming quorum status are followed.[1] Sounds good but see Section 56.
Voting
Section 53 has another pesky key left in the lock, saying, “Save as otherwise provided in this Constitution,[!!] all questions proposed for decision… shall be determined by a majority of votes of the members present and voting.” And the presiding member, “shall not vote unless… the votes are equally divided, in which case he shall have and exercise a casting vote.”[1] Most expect Speakers to vote down fraught legislation. Nonetheless, they are clearly empowered to single-handedly impose it.
Summoning of persons to assist Assembly
Section 54 simply allows, “The Speaker or other person presiding” to “summon any person to a meeting of the Assembly notwithstanding that that person is not a member” and that such individual(s) can participate in the proceedings relevant to their summons, except they can’t vote.[1]

Introduction of Bills
Section 55 states, “…any member may introduce any Bill or propose any motion for debate in, or may present any petition to, the Assembly… according to the rules of procedure.” However, it reserves powers of taxation whereby “Except on the recommendation of the Governor, the Assembly shall not—proceed upon any Bill [or motion – or receive any petition or amendment…] which in the opinion of the person presiding…makes provision for imposing or increasing any tax, for imposing or increasing any charge on the revenues or other funds of Anguilla or for altering any such charge otherwise than by reducing it or for compounding or remitting any debt due to Anguilla.”[1] Okay to reduce them? Hmm.

Section 56: Governor’s legislative reserved power
Section 56 turns an important key: “If the Governor considers that it is expedient in the interests of public order or public faith (which …include the responsibility of Anguilla…and all matters pertaining to the creation or abolition of any public office …) that any Bill introduced or motion proposed, in the Assembly should have effect, then, if the Assembly fail to pass the Bill or to carry the motion within such time and in such form as the Governor thinks reasonable and expedient, the Governor, acting in his discretion, may, at any time that he thinks fit, and notwithstanding any provision of this Constitution or of any other law in force in Anguilla or of any rules of procedure… declare that the Bill or motion shall have effect as if it had been passed or carried by the Assembly either in the form in which it was introduced or proposed or with such amendments as the Governor thinks fit which have been moved or proposed in the Assembly or any Committee thereof; and the Bill or the motion shall be deemed thereupon to have been so passed or carried, and the provisions of this Constitution, and in particular the provisions relating to assent to Bills and disallowance of laws, shall have effect accordingly.” [1,2]
This notably requires instructions from the Secretary of State, unless he judges it too urgent for such instructions. Reports and objections may follow, giving final discretion to the Secretary of State.[1,2]

Assent to Bills
Section 57 underscores the clarity of 56, saying, “A Bill shall not become a law until—the Governor has assented to it in Her Majesty’s name …or Her Majesty has given Her assent to it through a Secretary of State and the Governor has signified Her assent by Proclamation.” It continues, saying the Governor shall declare his assent, or that “he reserves the Bill” for [His Majesty’s] pleasure for “any Bill which appears to him to be in any way repugnant to, or inconsistent with, the provisions of this Constitution; and…any Bill which determines or regulates the privileges, immunities or powers of the Assembly or of its members…unless he has been authorised by a Secretary of State to assent to it.”[1] One wonders if either governor read the Constitution before assenting to GST or its offspring? [4,5]

And the General Services Tax (GST)…
Remember July 29, 2021, when the DG and AG nullified elected Ministers’ votes? ’Seems no one read Section 56, which empowered the Governor to enact GST without any votes, once the Speaker allowed the first reading. And would Section 55 permit replacing General Services Tax with Accommodation Tax while “reducing it” to zero for other services, now that AI is funding the government anyway?
Notably, the “UK retains the right to make law for all the Territories” – yet three such constitutions do not allow the Governor to make laws.[6] Will our amended Constitution will be the fourth? And will this Government put the People First by sharing AI revenue for more relief and restore the People’s rights by repealing that outside child of a fraught, repugnant law?

Repeal General Services Tax – and pass a balanced budget bill. Now.

This article reflects issues raised on July 5, 2021, at the House Select Committee on GST Public Hearing.
[1] The Anguilla Constitution Order 1982; [2] The Anguilla Constitution (Amendment) Order 1990; [3] Anguilla Constitution (Amendment) Order 2020; [4] Goods and Services Tax Act, 2021; [5] General Services Tax Act, 2025; [6] https://commonslibrary.parliament.uk/research-briefings/cbp-9583/

At Four Seasons Resort and Residences, we are committed to identifying and developing talent and this 2025/2026 Season, we are proud to share that three (3) employees thus far have been promoted to supervisory or managerial positions.
We wish to recognize and congratulate all our employees on their upward movement and specific mention is made of the following:

Tiffany Moore – Tiffany joined the Team as a Greeter in 2019. In 2021, Tiffany then joined the Food and Beverage Department as a Hostess and in 2023, transitioned to the Sales and Marketing team as the Social Media Specialist. Tiffany has now assumed the role of Marketing Supervisor.

Kishma King – Kishma began her journey with Four Seasons in October 2016 as a Front Desk Agent and transitioned to several roles, including Concierge, Greeter, and Overnight Agent. She subsequently joined the Reservations team as Group Reservations Specialist. She has now been promoted to the role of Executive Administrative Assistant.

Alecia Rawlins – In 2016, Alecia joined the Team as a Cook 3. In 2022 she was promoted to Cook 2 and quickly elevated to Chef de Partie that same year. Alecia has now been promoted to the role of Sous Chef.
We are also delighted to welcome new talent to the management team, namely, Katie Hawkins as the Assistant Guest Services Manager.

We are extremely proud of our employees, and we remain committed to their success.

Primex Concrete Services has announced a major step toward improving Anguilla’s road infrastructure, following significant investments in both asphalt production and chip and seal technology—an approach the company believes can provide more affordable and durable solutions to the long-standing road challenges across the island.

For decades, residents have expressed frustration with the condition of dirt roads, particularly in communities where access, dust, and maintenance issues have affected daily life. In response, Primex Concrete Services has purchased and brought to Anguilla a chip and seal machine, and the company is now seeking to partner with the Government of Anguilla to expand local road construction and rehabilitation services.

In March of 2025, Principals of Primex, Jerome Richardson and Mark Jno Baptiste, met with Minister Cordell Richardson and Minister Jose Vanterpool to discuss the company’s plans to enter the road construction space. During the meeting, Primex outlined its recent acquisition and repairs to an asphalt plant located on its premises in the Brimegin area. Primex, as a result, is interested in offering cost-effective road development alternatives that could be deployed more widely across the island.

One of the highlighted solutions to secondary road dilemmas was chip-and-seal technology, a proven road-surfacing method that combines an asphalt binder and aggregate to create a durable surface at a lower cost than traditional paving. The company believes this option could allow for faster upgrades to secondary and residential roads while maximizing the use of public funds.

“These Primex investments represent a long-term commitment to Anguilla,” the company stated. “We are not only expanding our capabilities, but we are positioning the island to better take care of its own infrastructural needs locally.”

Primex Concrete Services has made what it describes as a significant financial investment in repairing the Brimegin-based asphalt plant and acquiring the chip-and-seal equipment, with the goal of strengthening local capacity and reducing reliance on external contractors.

Once operational, Anguilla can pride in both an asphalt plant and chip-and-seal technology available on island – tools that could play a critical role in maintaining and improving the road network in a more sustainable and timely manner. The chip-and- seal option is expected to be ready to roll out within four weeks, after some testing.

The company is now seeking formal support and partnership with the Government of Anguilla, offering road construction and rehabilitation services that address long-standing infrastructure challenges while providing value for money.

According to Primex, the asphalt plant is expected to be fully operational within the next three months, marking what could be a turning point in how road works are delivered locally.

As discussions continue, the initiative has the potential to open a new chapter in public-private collaboration aimed at improving road conditions and the quality of life for residents across Anguilla.

Anguillian-born technology professional Dexter Gumbs has launched Polliglot AI, an artificial intelligence-powered translation platform designed to help creators, educators, students, businesses and organisations break language barriers and reach global audiences more effectively.

Polliglot AI enables users to upload a video file, select a target language, and receive a translated video with accurate subtitles or translated audio in just a few steps. The platform supports multiple languages including English, French, Spanish, Hindi, Tamil and others, with additional languages being added as the service expands. The name is derived from the word “polyglot,” meaning a person who speaks multiple languages, reflecting the platform’s purpose of enabling communication across language barriers through artificial intelligence and global connectivity.

The platform is web-based and built on Amazon Web Services’ (AWS) infrastructure, ensuring secure storage, encrypted uploads and downloads and fast processing times. The platform also prioritizes user privacy and data protection. To access it, search www.polliglot.ai in a web browser.

A 30-day free trial is available for any of the 4 plans namely the basic, the pro, the enterprise and the pro enterprise. No hidden charges exist and users can test the platform before committing. Every plan includes AI-powered video translation, speech recognition and subtitling, cloud storage via AWS and encrypted uploads and downloads. The company offers multiple subscription tiers designed to support individual users, teams, and enterprise-level needs, with varying features and support options. Persons interested in utilising the services of Polliglot.ai can locate pricing and other information on their website.

Mr. Gumbs, who currently resides in the United States, has more than a decade of experience in information technology, cloud computing and artificial intelligence systems, primarily working with Amazon Web Services (AWS). Over the years, he has been involved in designing and supporting large-scale cloud applications and has operated an online IT training school offering professional certification courses. Mr. Gumbs believes that since Anguilla is labeled as the “home of AI”, we should maximize the label and while his creation is the beginning, he looks forward to helping other Anguillians grow and innovate in the AI realm.

Recently, Mr. Gumbs extended his work to Anguilla by providing artificial intelligence training opportunities to young Anguillians, awarding scholarships to students preparing for internationally recognised AWS certification exams. Several participants successfully completed the programme, marking an early step toward building local technical capacity in AI and cloud technologies.
Mr. Gumbs said the idea for Polliglot AI was driven by the growing demand for multilingual video content and Anguilla’s global recognition as the home of the “.ai” domain.
“Video is now the primary way people communicate online,” Gumbs said. “Polliglot AI allows Anguillians and global users alike to share their stories, businesses, and educational content with the world in multiple languages without needing expensive translation teams.”

From an Anguillian perspective, the launch of Polliglot AI represents a move toward developing practical artificial intelligence products linked to Anguilla rather than relying solely on domain name revenue. Mr. Gumbs has indicated plans to continue expanding AI education initiatives and has outlined future projects in areas such as healthcare technology and autonomous marine systems, with the long-term goal of creating technology-based employment and entrepreneurship opportunities for Anguillians.
“I want young Anguillians to see that artificial intelligence is something they can build, not just something they use,” Mr. Gumbs said. “It’s a real industry that can create jobs and allow people to stay in Anguilla.”

For more information, contact support@polliglot.ai or WhatsApp +1(240) 926-6678.

By: Rhonica Connor

A new initiative is transforming the Caribbean business landscape. The Green Business Training Programme, led by Dawn P. Reid from Anguilla and Nuravni S. Sallons from Suriname, is equipping small and medium-sized enterprises (SMEs) with the tools to integrate sustainability into their operations and thrive in a rapidly evolving green economy.

Endorsed by the International Training Centre of the International Labour Organization (ITC ILO), and supported by global partners including GIZ (Deutsche Gesellschaft für Internationale Zusammenarbeit GmbH) Ministry for the Environment, Nature Conservation and Nuclear Safety, and the United Nations Environment Programme (UNEP), the programme underscores a strong commitment to sustainable business growth across the region.

The inaugural training provided the opportunity for 20 SME owners and entrepreneurs from diverse sectors and islands, including Suriname, Anguilla, Guyana, St. Lucia, Grenada and St. Vincent & the Grenadines. Participants represent industries ranging from hospitality and tourism to food processing, content creation, marketing, eco-retreats, accessories, and beauty products—each dedicated to adopt innovative green practices.

The six-week programme, which began on 29 October and runs through December, provides hands-on training designed to enhance operational efficiency, reduce environmental impact, and open doors to new markets. By equipping SMEs with practical tools for sustainability, the initiative demonstrates that the Caribbean can be a leader in green business innovation.

“This programme has been immensely rewarding, and engaging with such a diverse group of Caribbean SMEs has been truly inspiring. As environmental and climate issues continue to intensify, rethinking how we do business becomes essential. This course provides the insights needed to support that shift toward a more sustainable future. Networking is at the heart of this programme; it allows businesses to share opportunities, tackle challenges collectively, and thrive. Our goal is to train minimally 100 small & medium-sized enterprises in the Caribbean, and create a dynamic regional network that unlocks international sustainable opportunities” – Nuravni S. Sallons

The programme aligns closely with global developments in climate action, conservation, and biodiversity, including discussions from COP30 and other international initiatives. It emphasizes the importance for businesses to align with the Sustainable Development Goals (SDGs) and integrate sustainable practices into their core strategies.

“Climate change is very real to us within the region, from catastrophic hurricanes to extreme temperatures to flooding. Sustainability, therefore, must not be a foreign concept to our everyday life. We must equip SMEs within the Caribbean, with the knowledge, skills, attitudes and competencies necessary to not only survive but to thrive and to take advantage of any opportunities that emerge while navigating climate change. This training will provide the tools and approaches that can support aspects of Green Business and that can be implemented within the Caribbean context. The intention is to build a community of Green SMEs within the Caribbean, through which ideas can be exchanged. It is about creating a network of support for Caribbean SMEs to become Green Businesses.” – Dawn P. Reid

Looking ahead, the programme aims to train 100 SMEs across the Caribbean and to foster a network of sustainability-driven businesses. This network will allow participants to share knowledge, collaborate on solutions, and build long-term connections that support growth and innovation.

“I didn’t expect to enjoy this course as much as I am, but it has been fantastic. The sessions are interactive, engaging, and very easy to follow. I joined a bit hesitantly, but now I’m eager to learn everything about green business and become more conscious of the processes behind all of my ideas.” – Ati Creative Studio

By bridging knowledge, leadership, and collaboration, the programme positions Caribbean businesses to not only greenify their operations but also emerge as market leaders in sustainability, inspiring a new generation of environmentally conscious entrepreneurs.

Malliouhana announces The Friday Link, a bi-weekly gathering designed to bring together industry professionals in a refined and welcoming environment.
Hosted at Bar Soleil, The Friday Link provides an opportunity for professionals to connect, exchange ideas, and unwind in an elevated setting. Guests will enjoy thoughtfully crafted cocktails, gourmet sliders with island influences, and live entertainment featuring DJ Sugar accompanied by a saxophonist.

The upcoming edition will be held on Friday, November 28 at 8 PM, in collaboration with the Department of Youth and Culture. During the evening, the Department will present updates on the upcoming Malliouhana Fest, offering attendees insight into this significant cultural initiative.

As an established leader in Anguilla’s hospitality landscape, Malliouhana recognizes the importance of supporting the community that has been integral to the resort’s success. The Friday Link reflects the hotel’s ongoing commitment to contributing meaningfully to the island’s professional, cultural, and economic ecosystem by creating a platform that encourages engagement, visibility, and collaboration.

Businesses and organizations interested in utilizing The Friday Link to highlight initiatives, share updates, or engage with the professional community are invited to call 1.264.497.6111 or email concierge@malliouhana.com to get started.

Global Entrepreneurship Week 2025 officially opened on Monday, 17th November 2025, with a press launch at Innovate Anguilla, where organisers, partners, and entrepreneurs gathered to usher in a week dedicated to innovation, collaboration, and the future of business in Anguilla. This year’s theme, “Together We Build,” set the tone for seven days of activities encouraging young and established entrepreneurs to connect, upskill, and imagine new possibilities.

The week is hosted by the Anguilla Youth Business Foundation (AYBF) and Innovate Anguilla, both of which have continued to expand their outreach and support for budding business owners. Monday morning’s launch featured remarks from AYBF representatives Waynika Romney and Demi Proctor, along with special guest speaker and venture capital investor, Andy Hunn.

Romney reiterated the purpose of the global initiative. “Global Entrepreneurship Week is an annual international week that celebrates small businesses, entrepreneurs, and innovators,” she said. “It is a week where we create activities so that these innovators have spaces to collaborate, share their business ideas, and join in activities where they can network together.”

Proctor followed with an overview of the packed schedule.

In addition to Monday’s press launch, an Entrepreneur Meet & Greet with “Art and Sip” led by Get Set entrepreneur Taffari Crawford ran concurrently, bringing together creatives and business owners in an informal networking setting. Later that evening, attention shifted to the Aurora Ballroom for the MET Talks session, where Hunn delivered The Transformative Power of AI, setting an energetic and forward-looking tone for the week.

By Wednesday, 19 November 2025, the focus turned to practical business development with a training session titled How to Best Use AI to Grow Your Business, facilitated by Cap Juluca’s training and development officer, Ameya Nagarkar. The session offered attendees hands-on insights into integrating artificial intelligence into small business operations. On Thursday, 20 November 2025, entrepreneurs returned to Innovate Anguilla for a financial literacy workshop, The Building Blocks for Financial Literacy for Business, led by facilitator Leah Hughes.

Organisers are expected to appear on Klass FM 92.9 on Friday, 21st November for a radio interview, further highlighting the purpose and progress of GEW activities. Looking ahead, the week’s most anticipated community event — the Entrepreneur Expo — will take place on Saturday, 22 November 2025, from 10:00 a.m. to 8:00 p.m. at Innovate Anguilla. The expo is expected to feature a vibrant mix of booths, local entrepreneurs, and product showcases. The week will conclude on Sunday, 23 November 2025, with a 10:00 a.m. church service at Christian Fellowship Church, bringing the island’s celebration of innovation and entrepreneurship to a reflective close.

While the week features a range of sessions — financial literacy, arts, networking, and business development — artificial intelligence sits at the heart of this year’s discussions. Andy Hunn, who has spent the past three decades working across major technology shifts, stressed that the current AI revolution stands apart from previous waves.
His message to Anguilla was clear: the island is uniquely positioned to benefit from this global shift. “In my view this is the right time for Anguilla to engage heavily on artificial intelligence… to build the infrastructure that’s needed to support AI in country to create value,” he said. “You already own the physical embodiment of AI as the .AI domain holder… and I think this is the right place, the right time and the right people to make for a very exciting future around AI for Anguilla.”

As the Anguilla Youth Business Foundation and Innovate Anguilla continue to nurture Anguilla’s entrepreneurial ecosystem, Global Entrepreneurship Week 2025 stands as a reminder of the island’s growing potential.

By Janissa Fleming

Anguilla’s real estate arena has expanded with the official launch of Trophy Properties, a new and versatile company owned by a group of US-based partners. The opening ceremony, held on Wednesday, October 12th, was marked by an atmosphere of excitement and goodwill, with government officials, tourism personnel, and real estate professionals in attendance to extend their congratulations.

Trophy’s Executive Assistant, Leana Harris, welcomed the guests, and highlighted the company’s core values of partnership and trust. “Today marks a new chapter and an exciting milestone for our company,” she said. “Our goal has always been to connect people to Anguilla to share the beauty of the island while providing exceptional service and creating lasting memories.”

“This moment represents more than just growth for our company,” she continued. “It is a celebration of teamwork, partnerships and trust.”
Partner Neil Freeman shared the story behind Trophy’s formation, recalling that fellow partner Paul Weimer had once sought to purchase a home in the Caribbean and chose Anguilla. “I introduced Paul to real estate agent Lisa Delong who sold him a wonderful house which he has renovated to a beautiful villa called ‘Peace and Happiness,’” Freeman explained.

He said he also introduced Paul to Steve Haines who does great real estate business in Anguilla. “And between Paul, Steve and Lisa and I we decided to create a real estate concept, that aligns our separate skills sets, and now we have started Trophy Properties Caribbean.”
Mr. Freeman in his remarks highlighted the experiences of the individual group members. Steve Haines sold him Long Bay Villas; and the condos at Four Seasons, Anguilla as well. Lisa Delong sold all the condos at Tranquility Beach; Paul Weimer sold Cuisinart (now Aurora) and he also sold Zemi Beach to the Dart Group.

According to Mr. Freeman, he was also involved in supporting the completion of Malliouhana and Zemi Beach. He also shared that, alongside Ian and Janine Edwards, he helped develop Tranquility Beach Anguilla, which has been honored by Forbes as the top boutique hotel in the Caribbean and named among the “Best of the Best” hotels in the world by TripAdvisor.
With this distinguished team behind it, Trophy Properties enters Anguilla’s real estate sector with experience and a commitment to excellence.

Shoal Bay East shimmered with elegance and excitement on Saturday, 1st November 2025, as The Manoah Boutique Hotel hosted a cocktail party and open house to celebrate its grand reopening under new management and fresh concepts. The evening marked a significant milestone for Anguilla’s tourism sector, coming just as the 2025–2026 tourism season gets underway.
Among the distinguished guests in attendance were Her Excellency the Governor Julia Crouch, Hon. Premier Cora Richardson-Hodge, Hon. Minister Shellya Rogers-Webster, and former Minister Dee-Ann Kentish-Rogers, alongside several media partners, creatives, and professionals from across the island. The event created an atmosphere of community pride and anticipation for what promises to be a new chapter in Anguilla’s luxury hospitality scene.
Originally opened in December 2016, The Manoah Boutique Hotel has long been recognised as a chic beachfront retreat on one of the island’s most iconic stretches of sand — Shoal Bay East. Known for its blend of Caribbean charm and modern sophistication, the property’s transformation brings with it a renewed sense of purpose and refinement.
The reopening introduces several exciting developments, including L’Étoile, a new fine-dining restaurant led by Consulting Chef Didier Aniès, a Meilleur Ouvrier de France — a prestigious title bestowed upon France’s most skilled craftsmen. The restaurant aims to elevate Anguilla’s culinary offerings through an artistic approach to French cuisine. Alongside L’Étoile, guests can also experience Red Sun, an innovative juice bar featuring fresh creations, delightful delicacies, and a small boutique.
Speaking to guests at the event, General Manager Etiennette Clamouze expressed gratitude and a deep personal connection to Anguilla. Clamouze went on to share her story of how her journey with The Manoah began more than a decade ago. “I discovered Anguilla 12 years ago because of The Manoah Boutique Hotel actually. I was the hotel manager in Paris and I had a friend who told me, ‘Oh, I have a friend, he bought a little something on a little island. You guys should meet.’ I came on vacation to St. Martin, took a day trip here, and fell in love with Anguilla,” she recalled.
Her speech resonated with warmth and optimism as she spoke of her return to the island to lead the hotel’s revival. “We have a beautiful beach with new cabanas. We’re going to do day-trippers and day passes, and we want to see you again.”
The Manoah’s comprehensive transformation extends beyond aesthetics. It includes a complete renewal of its product and services, from designer furniture and luxury linens to the introduction of an ultra-personalised Star Service model, curated to deliver bespoke luxury experiences for each guest. The resort has also enhanced its leisure areas, offering sophisticated poolside ambience, luxurious beach cabanas, and subtle live entertainment on select evenings.
Chef Didier Aniès, whose culinary artistry took centre stage during the evening, has collaborated with Clamouze for over two decades, tracing their professional partnership back to their time in Paris. Guests had the opportunity to savour his creations – a reflection of refined French gastronomy fused with Caribbean charm – symbolic of the hotel’s new identity.
“This is what we’re trying to present tonight,” said Clamouze. “A level of service and dining that matches the natural beauty of this island.”
As glasses clinked and conversations flowed under the soft glow of Shoal Bay’s sunset, it was clear that The Manoah Boutique Hotel had not only reopened its doors but also reignited its spirit. The event underscored the importance of continued investment in Anguilla’s tourism landscape — an industry that remains the lifeblood of the island’s economy.

By Janissa Fleming

The Financial Information Month (FIM) 2025 roadshow made its second stop on Wednesday, 15th October 2025, at Malliouhana Anico Insurance Company (Maico) — Anguilla’s only indigenous insurance company. Following the first stop at Liberty Credit Union, Maico’s session continued to explore this year’s theme, “From Savers to Investors,” through a distinctly Anguillian lens — one rooted in resilience, ownership, and the courage to build and protect what’s ours.

Maico reminded why every good investment must be protected. In the words of Senior Sales and Marketing Officer, Mr. Jervis Richardson, “We are here to fill in the gap so that when a catastrophe happens, we can protect your investment and you won’t have to start back from zero.”

It’s a perspective often overlooked when people hear the word “investment”. As General Manager Mr. Adrian Smith explained, many assume investment simply means putting money in the bank and earning interest. But he offered a broader — and wiser — view.
“Insurance may not necessarily come to mind when you think of insurance,” he said, “but this is actually investing. It gives you peace of mind to carry on your business. You take a relatively small portion of your income compared with the value of your assets and you transfer that risk of losing everything to someone else — that’s the insurance company. That in itself is an investment.”

Maico’s story is, in many ways, a reflection of Anguilla itself — bold, determined, and unwilling to accept “impossible” as an answer. Richardson recounted how the company began in the 1960s, not as an insurer, but as a brokerage agency representing foreign companies. When those partners pulled out, citing a lack of local viability, Maico’s founders pushed ahead anyway.

“With the true Anguillian grit,” he said proudly, “they decided to discard the recommendation of this company that they paid thousands of dollars to give them — and open the company anyway. It just goes to show the Anguillian spirit — belief in oneself regardless of the outside noise.”

This spirit of self-determination ties beautifully into the FIM theme. Anguilla’s earliest investors weren’t just saving pennies; they were building legacies. In Maico’s case, those legacies now safeguard the investments of families, businesses, and young entrepreneurs across the island.

Smith reminded listeners that many people think of risk only in terms of physical assets. “It’s a mistake that a lot of business people make,” he warned. “A liability claim can eclipse the value of your assets and savings. Once you engage in business, once you engage with people, you have to think not just about what you can see, but about the possible liabilities.”

Maico’s services range from property and vehicle insurance to employers’ and public liability — the kind of coverage that can mean the difference between recovery and ruin after an unforeseen accident. “One claim can wipe out your profits for several years,” Smith cautioned.

Richardson added that liability insurance has become even more essential in modern Anguilla. “We’re seeing a lot more lawsuits happening locally,” he said. “That wasn’t normal before. Employers have a duty to ensure a safe work environment. If an accident occurs and you’re deemed liable, you can be prosecuted. Employer’s liability insurance covers that, ensuring peace of mind for both the employer and employee.”

While Maico’s Sales and Marketing team plays a visible role, Richardson was quick to credit what he called the company’s “real marketing department” — its Claims Department. “You’re not paying for the printed paperwork that we give you at the front desk,” he said. “You’re paying for when catastrophe happens. And when it happens, we will ensure that you’re made whole in quick time.” All claims decisions are made locally, a point of pride that reinforces Maico’s commitment to Anguillians.

New recruit Ms. Saige Carter reflected on her experience as part of the team. “It’s very calm, it’s peaceful,” she said. “You meet new people and you get to help them. They leave happy knowing that they have peace of mind — that they’re covered.”

Her message to young people was simple: “Maico is very transparent. There’s no surprises, no secrets.”

As Maico is popular for auto insurance, Richardson also offered advice for young drivers: start building a driving history early. “Don’t get insurance under someone else’s name,” he urged. “When you get to 25 and don’t have your own record, your rates are still high. Build your history now, and you’ll benefit later.”

At its core, Maico’s philosophy is about more than financial security — it’s about peace of mind. Smith summarised it neatly: “Insurance is paying relatively very little to get covered for a very big amount. It’s taking the risk you have on your shoulders and transferring it to someone else.”

And as Richardson added, Maico’s local roots mean flexibility for clients, especially during the financially hectic months for customers. “Because we’re local, we understand the needs of our people. We can offer payment plans so customers remain covered, even when times are tight.”

Whether it’s property, vehicles, boats, or even motorcycles — the latter of which Maico remains the only company on the island to insure — the message remains consistent: coverage matters. “Ride safe,” Richardson reminded Anguilla’s bikers, “and remember, peace of mind is priceless.”

As Financial Information Month continues, Maico’s message fits squarely within the theme From Savers to Investors. Investing isn’t just about making money — it’s about protecting it. And in a world where storms, accidents, and uncertainty are inevitable, that protection is perhaps the most valuable investment of all.

By Janissa Fleming

Construction is steadily advancing at Port Nimara, Anguilla’s first dedicated superyacht marina, with the developer signaling a phase-one completion and marina opening in the first half of 2027. Site works now underway include basin excavation and marine infrastructure manufacturing as the project moves from groundbreaking into full build-out.

The development, situated on the island’s southwest coast between Belmond Cap Juluca and Altamer near Maundays Bay, broke ground in December 2023 and has since entered active construction. The master plan calls for a mixed-use waterfront anchored by a mega-yacht marina and complemented by hotel, residential and retail amenities.
The excavation of the marina basin is in progress, while Swedish marine-engineering firm SF Marina is producing the floating concrete pontoons designed to handle heavy weather and superyacht loads. The marina build is being delivered in collaboration with Consigli Construction, and several local subcontractors.

When phase one opens, Port Nimara is planned to offer 118 berths for yachts up to 240+ feet, alongside an on-site customs and immigration facility. The wider programme envisions a five-star hotel, 18 beachfront villas and 45 hillside residences, positioning the property as both a yachting hub and luxury resort community. The hotel and beachfront villas are slated to follow after the marina’s opening.

Port Nimara is developed by South West Harbour, Inc., a Joint Venture between TEI Inc., SF Investments, the investment and development section of the SF Group in Sweden, with the participation of Anguilla based Antillean Developments. Independent outlets including Marina World, Boat International, Superyacht Times and Megayacht News have prominently echoed the development this year.

The project has been framed as a catalyst for the local economy, with estimates of around 300-500 jobs across marina operations, hospitality and supporting services during the phased opening window. Government and industry communications have tied the marina’s timeline to a broader tourism uplift and skills demand on island.
Strategically, Port Nimara sits about 26 nautical miles from St. Barths and 11 nautical miles from St. Maarten’s international airport, strengthening Anguilla’s role on the NE Caribbean superyacht circuit and providing quick access for owners and charter guests transiting the tri-island loop.

David Mizrahi, partner of South West Harbour and executive head of Port Nimara, emphasizes on resilient marine engineering and a “sustainable luxury” brief as dredging and civil works reshape the basin. Trade releases cite heavy-duty pontoons and coastal-conditions design as central to the marina’s operating profile once open.

As works continue through 2025/2026, the soft-opening period will lead into the phase-one handover in 2027, subject to construction progress and permitting. For now, the excavators, dredgers and fabrication orders suggest momentum behind a project set to make maritime history in Anguilla. portnimara.com

By Kenroy Herbert