Business Hours-- Banks are open Monday through Friday from 9am to 5pm. Store hours vary, but as a rule most business establishments open at 8:30am and close at 4:30 or 5pm Monday through Friday. Some shops open Saturday until noon.

Currency Exchange-- There are Bank of Jamaica exchange bureaus at both international airports (near Montego Bay and Kingston), at cruise-ship piers, and in most hotels.

Doctors-- Many major resorts have doctors on call. If you need any particular medicine or treatment, bring evidence such as a letter from your home doctor.

Electricity-- Most places use the standard electrical voltage of 110, as in the U.S. However, some establishments still operate on 220 volts, 50 cycles. If your hotel is on a different current than your U.S.-made appliance, ask for a transformer and adapter.

Embassies, Consulates & High Commissions-- Calling embassies or consulates in Jamaica is a challenge. Phones will ring and ring before being picked up, if they are answered at all. Extreme patience is needed to reach a live voice on the other end. The embassy of the United States is located at the Jamaica Mutual Life Building, 2 Oxford Rd., Kingston 5 (tel. 876/929-4850). The High Commission of Canada is situated at 3 Wet Kings House Rd., Kingston 10 (tel. 876/926-1500), and there's a consulate at 29 Gloucester Ave., Montego Bay (tel. 876/952-6198). The High Commission of the United Kingdom is found at 28 Trafalgar Rd., Kingston 10 (tel. 876/510-0700).

Emergencies-- For police and air rescue, dial tel. 119; to report a fire or call an ambulance, dial tel. 110.

Mail-- Instead of going to a post office, you can, in most cases, give mail to the hotel reception. Most hotels also sell stamps. Allow about 1 week for an airmail postcard or letter to reach North America. Increases in postal charges may be implemented at any time, so ask about the current rate before depositing mail. For mail to any business listed in this book, remember to include "Jamaica, W. I." in the address. The island has no zip codes. Call tel. 876/922-9430 in Kingston with questions. For important items, consider a courier service such as DHL (tel. 876/922-7333) or Federal Express (tel. 876/952-0411 or 876/960-9192).

Newspapers & Magazines-- Jamaica supports three daily newspapers (Daily Gleaner, The Jamaica Record, and Daily Star), several weekly periodicals, and a handful of other publications. U.S. newsmagazines, such as Time and Newsweek, as well as occasional copies of the Miami Herald, are available at most newsstands.

Nudity-- Nude sunbathing and swimming are allowed at a number of hotels, clubs, and beaches (especially in Negril), but only where signs state that swimsuits are optional. Elsewhere, law enforcement officials won't even allow topless sunbathing.

Passports-- Passport requirements vary according to your country of origin.

For residents of the United States: Whether you're applying in person or by mail, you can download passport applications from the U.S. State Department website at http://travel.state.gov. For general information, call the National Passport Agency (tel. 202/647-0518). To find your regional passport office, either check the U.S. State Department website or call the National Passport Information Center (tel. 900/225-5674); the fee is 55¢ per minute for automated information and $1.50 per minute for operator-assisted calls.

For Residents of Canada: Passport applications are available at travel agencies throughout Canada or from the central Passport Office, Department of Foreign Affairs and International Trade, Ottawa, ON K1A 0G3 (tel. 800/567-6868; www.ppt.gc.ca).

For residents of the United Kingdom: To pick up an application for a standard 10-year passport (5-year passport for children under 16), visit your nearest passport office, major post office, or travel agency, or contact the United Kingdom Passport Service at tel. 0870/521-0410 or search its website at www.ukpa.gov.uk.

For residents of Ireland: You can apply for a 10-year passport at the Passport Office, Setanta Centre, Molesworth Street, Dublin 2 (tel. 01/671-1633; www.irlgov.ie/iveagh). Those under age 18 and over 65 must apply for a 12€, 3-year passport. You can also apply at 1A South Mall, Cork (tel. 021/272-525) or at most main post offices.

For residents of Australia: You can pick up an application from your local post office or any branch of Passports Australia, but you must schedule an interview at the passport office to present your application materials. Call the Australian Passport Information Service at tel. 131-232, or visit the government website at www.passports.gov.au.

For residents of New Zealand: You can pick up a passport application at any New Zealand Passports Office or download it from their website. Contact the Passports Office at tel. 0800/225-050 in New Zealand or 04/474-8100, or log on to www.passports.govt.nz.

Pharmacies-- Prescriptions are only accepted by local pharmacies if they were issued by a Jamaican doctor. Luckily, hotels have doctors on call. If you need any particular medicine or treatment, bring evidence, such as a letter from your own physician.

Police-- Dial tel. 119.

Radio & TV-- Jamaica is served by two major radio broadcasters. Radio Jamaica (RJR) is the more popular of the two, partly because of its musical mix of reggae, rock 'n' roll, and talk-show material. RJR's two island-wide services are known as Supreme Sound and FAME FM. The second broadcaster is Jamaica Broadcasting Corporation (JBC), which also operates the island's only television station (JBC-TV, established in 1963). Many of the better hotels offer Cable News Network (CNN) and other satellite channels.

Taxes-- The government imposes between 10% to 15% room tax, depending on your category of hotel. You'll be charged a J$1,000 (US$28) departure tax at the airport, payable in either Jamaican or U.S. dollars. There's also a 20% government tax on rental cars and a 20% tax on all overseas phone calls.

Telephone, Telex & Fax-- Even the island's smallest hotels maintain their own fax machines. For telexes, contact the local branch of Cleveland Walace Jamaica, the country's telecommunications operators. In Kingston its address is 47 Halfway Tree Rd. (tel. 876/926-9700).

Time-- During the winter, Jamaica is on Eastern Standard Time, the same as New York and Montréal. When the United States is on daylight savings time, however, it's 6am in Miami and 5am in Kingston; Jamaica does not switch to DST.

Tipping-- Tipping is customary in Jamaica. Typically 10% or 15% is expected in hotels and restaurants on occasions when you would normally tip. Most places add a service charge to the bill, but a little extra (3%-5%) is often expected for good service. Tipping is not "officially" allowed at all-inclusive resorts.

Useful Telephone Numbers-- Ambulance, tel. 110; fire, tel. 110; police, tel. 119; time, tel. 117; toll operator and telephone assistance on local and intraisland calls, tel. 112; overseas calls operator, tel. 113; Post and Telephone Department, tel. 876/922-9430. You reach MCI at tel. 800/888-8000; AT&T at tel. 800/CALLATT; and Sprint at tel. 800/877-8000.

Water-- It's usually safe to drink tap water island-wide; however, it's prudent to drink bottled water, if available. We do.