Survival Guide CH 2010 by Expatica

Welcome to Switzerland! If you have just moved here, it’s likely you are feeling somewhat overwhelmed. Apart from a new culture and language(s) to cope with, you will have to sort out a host of practical things within the first few weeks: somewhere to live, your finances, permits and papers, and maybe a school for your children and a job for your partner. The Expat Survival Guide will give you a starting point: the basic information you need and directions to the people, companies, organisations and institutions that can help you. This guide is published by Expatica Communications, a leading media organisation serving the international community in Europe. Don’t forget to check out www.expatica.com to access daily news, features and resources such as housing and job searches, free classifieds, allEnglish A-Z listings, local entertainment and an online community. We wish you a wonderful stay in Switzerland!

INTRODUCTION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 - 5 RELOCATION . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 - 11 Residence/work permits; Bringing the family. HOUSING. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13 - 17 Renting or buying; Mortgages; Renting an apartment; Home finding resources; Popular expat locations. FINANCE. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 - 25 Banking; Tax; Insurance; Financial service providers. EDUCATION. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27 - 39 Education system; International schools; Universities; Language schools. EMPLOYMENT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 - 43 Job hunting; Starting a business. HEALTH . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 - 49 Healthcare; Hospitals; Fitness. HOME BASICS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 51 Utilities; Telephone and internet; Television and radio. TRANSPORT. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53 - 55 Public and other transport; Driving in Switzerland. CONTACTS & CALENDAR . . . . . . . . . . . . . . . . . . . . 56 - 57 Groups and clubs; Emergency contacts; Public holidays. INDEX. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59 Advertiser index.

Published May 2010 © Expatica Communications BV, Gedempte Oude Gracht 31, 2011 GL Haarlem, The Netherlands Email: feedback@expatica.com, Web: www.expatica.com Editorial Contributors: Chantal Panozzo, Chris Morillon Editors: Danielle Latman, Anna Ritchie Cover photo: Rob Thompson, www.14degrees.org Advertising sales: Ken Reist, ken.reist@expatica.com Publisher: Mark Welling Marketing, communications & distribution: Matt Shaw and Hanna Jambroschek.

All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means, electronically or mechanically, including photocopying, recording or any information storage or retrieval system, without prior written permission from the publisher. Requests for permission should be addressed to Expatica Communications BV, Gedempte Oude Gracht 31, 2011 GL Haarlem, The Netherlands. Expatica makes great effort to ensure the accuracy of information contained in this guide. However, we will not be responsible for errors or omissions or any damages, howsoever caused, which results from its use, and make no warranty of claims as to the quality or competence of businesses or professionals mentioned. Users are advised to take care when selecting professional services and to use common sense when adjusting to life in a new country.

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•• INTRODUCTION ••

Introduction The cars actually stop at pedestrian crosswalks. The lakes are so clean you can swim in them. The dogs on the trains somehow smell nice.

Welcome to Switzerland / Schweiz / Suisse / Svizzera. Whatever you call it, the country known for its cheese, chocolate and timetelling ability is an appealing place to live. So pleasant, in fact, that the 2009 Mercer Worldwide Quality of Living Survey placed three Swiss cities (Zurich, Geneva and Bern) among the world’s top 10. The Swiss are rich. Despite being landlocked, having no natural resources and refusing to join any kind of organisation (like the EU) to better their trade relations, Switzerland ranks in the top five in per capita incomes in the world. A Big Mac in Switzerland costs more than almost any other on earth, and yet the average person working in Zurich can afford it after only 15 minutes of work. Some Swiss will talk about going to the ‘big city’ but don’t let that fool you. The biggest city in Switzerland is Zurich (population 359,000) and to most foreigners it seems more like a village than a metropolis. Each Swiss ‘city’ is 4

small, diverse, and speaks its own dialect based on one of the four official languages (German, French, Italian or Romansh), all of which end up saying the same thing: our city is the best. Each Swiss citizen claims his/her hometown is superior, with the result being that not many Swiss people move—especially across something as precarious as a ‘Roestigraben’ or ‘fried potato ditch’ (the imaginary divide between the Frenchand German-speaking Swiss). Switzerland is small. With a population of 7.5 million and a low birth rate (1.48 children per woman), its population growth comes mainly from migration. Switzerland has one of the highest proportions of foreigners in Europe, with 21.9 percent of the population coming from elsewhere, hoping to get their share of the good life (and the good pay). In canton Geneva, 37.8 percent of the population is foreign. Despite Switzerland’s strict immigration policies, the Swiss population has doubled in the last century, mainly due to migration. Because of Switzerland’s economic success after World War II, it became a desirable place for many Europeans to live. In the 1970s thousands of Italians and Spanish came to Switzerland in search of employment or jobs with better pay. Today the largest foreigner groups are the Italians and Germans (who, from 2007 to 2008 alone, increased in number by 20 percent) followed closely by the Portuguese. In 2002, Switzerland agreed to a seven-year bilateral labour accord with the EU, despite continual refusal to actually join the EU. This agreement granted Switzerland and the EU access to each other’s labour markets and has led to a huge influx of foreigners living in Switzerland. In February 2009, the agreement was up for renewal and sparked huge debates across Swiss party lines, with some people upset over incoming foreigners, particularly Germans, taking top managerial work as opposed to the lower-paying jobs previously associated with immigrants. However, in the end, over 56 percent voted to extend the free movement of people with the EU, claiming that the Swiss economy depended on foreign workers.

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•• INTRODUCTION ••

Switzerland takes democracy to the extreme. The tiny country is composed of 26 cantons or states, each of which has their own laws, education system and tax rates. Just about anything and everything is voted on by Swiss citizens, from smoking laws to whether Frau S should be allowed to do construction on her house. The political system is so democratic that there is no head of state but rather a ceremonial position of president, which rotates annually among the executive branch, the Federal Council. The Federal Council is one of three Swiss federal institutions, which also include the legislative branch, the Federal Assembly—made up of no less than thirteen political parties (the most notorious of which is the SVP)—and the judicial branch, the Federal Tribunal. The SVP (Swiss People’s Party) is a conservative party most known for their posters, all of which

Population: 7,604,467 (CIA world factbook, July 2009) Density: 190/km2 Life expectancy: 80.85 years (one of the highest in the world). National flag: The Swiss flag shows a red square with a bold, equilateral white cross in the centre that does not extend to the edges of the flag. Various medieval legends profess to describe the origin of the flag; a white cross used as identification for troops of the Swiss Confederation is first attested at the Battle of Laupen (1339). Landscape: Switzerland is mostly mountainous, with the Alps in the south and the Jura in the northwest. There is also a central plateau of rolling hills, plains and large lakes.

aim to persuade voters to keep foreigners out of Switzerland. One poster from 2007 showed three white sheep kicking a black sheep off a Swiss flag and out of the country. It was meant to highlight the SVPs support for a law to deport foreigners convicted of crimes. Opposition groups tried to legally force removal of the posters but the Swiss courts found that the posters did not break Swiss law. Despite widespread xenophobia among Swiss citizens, foreigners continue to arrive and remain in Switzerland in large numbers. Although a recession is expected to last until December 2010, the traditionally strong Swiss economy, linguistically talented residents (about one third of Swiss people speak English), location in the heart of Europe and high quality of life will continue to make Switzerland a magnet for foreigners well into the future. Chantal Panozzo

Winter sports: According to the Swiss council for accident prevention, about 1,000 people are injured in winter sports accidents in Switzerland every day. Public transport: Swiss public transport is renowned for its reliability and punctuality. The country also boasts Europe’s longest continuous-cable funicular (cable railway), the Niesenbahn in the Swiss Kandertal. Watchmaking: The Swiss are famed for their watchmaking, with luxury brands like Audemars Piguet, Baume et Mercier, Breitling, Chopard, Franck Muller, Jaeger-LeCoultre, Longines, Patek Philippe, Piaget, Rado, Rolex, TAG Heuer, Tissot and Vacheron Constantin. The wristwatch was invented by Swiss manufacturer Patek Philippe in 1868. Switzerland also contributed the ‘chalet’ style cuckoo clock at the end of the nineteenth century.

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• • R E L O C AT I O N • •

Relocation Switzerland has a high migration rate. Foreigners now make up more than a fifth of the Swiss population, with the number of foreigners increasing more than five-fold since WWII, compared to a total population increase of 60 percent. RESIDENCE AND WORK PERMITS Anyone who works during their stay in Switzerland or who remains in Switzerland for longer than three months requires a residence permit, issued by the Cantonal Migration Offices. A distinction is made between short-term residence permits (less than one year), annual residence permits (limited) and permanent residence permits (unlimited). There are three aspects to consider when applying for a permit. First, Switzerland is a federal republic consisting of 26 cantons (regions). Each canton has Cantonal Migration Offices which are responsible for issuing residence permits, and Cantonal Labour Offices which are responsible for work authorisation. Although all cantons operate under the same federal law, each canton has some autonomy over immigration into the region. Therefore, individual cantons are the first resource for information regarding requirements for work and residence permits. See the Swiss Confederation website at www.bfm.admin.ch for contact details of the various cantons.

AGREEMENT ON THE FREE MOVEMENT OF PERSONS In 1999, the EU and Switzerland signed seven twoway agreements including the Agreement on the Free Movement of Persons, which began in 2002. The agreement allows Europeans in Switzerland access to the Swiss employment market, regardless of their qualifications. The agreement was later changed to gradually introduce ten new EU member states beginning in 2006. Because the agreement is still being implemented, transitional measures still apply to some member states. For citizens of the EU-17/EFTA (France, Germany, Austria, Italy, Spain, Portugal, the UK, Republic of Ireland, Denmark, Sweden, Finland, Belgium, the Netherlands, Luxembourg, Greece, Cyprus, Malta, Norway, Iceland and Liechtenstein) the Free Movement of Persons fully applies. Work and residence permits issued to citizens of the EU-8 (Poland, the Czech Republic, Slovakia, Hungary, Estonia, Latvia, Lithuania and Slovenia) are subject to quotas and additional regulation. The Free Movement of Persons Agreement applies to nationals from Bulgaria and Romania from 1 June 2009.

Second, obtaining a work permit differs according to your place of origin. Switzerland has a dual system for the admission of foreign workers. For employed nationals from EU/EFTA states, the Agreement on the Free Movement of Persons applies (to varying degrees; see below) leading to a straightforward permit process not subject to quotas. Only a limited number of management-level employees, specialists and other qualified employees are admitted from other countries. Third, your type of employment (local hire, assignment, period of employment) can determine whether you are granted a work permit.

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• • R E L O C AT I O N • •

Labour/ Work permits In general, EU-17/EFTA nationals working in Switzerland may stay in Switzerland without a residence permit for three months (90 days) in a calendar year, although their employer must register them with the Cantonal Labour Office. The employer may go to www.meweb.admin.ch to do this online. People who work in the construction, hospitality, cleaning, surveillance, security and travelling sales industries must register with the authorities from the first day of their activity, regardless of its duration. Any non-Swiss national who works in Switzerland for longer than three months requires a permit. G PERMIT: CROSS-BORDER COMMUTER Workers receive this permit if they are EU/EFTA residents and work in Switzerland. They may stay in Switzerland, but must return abroad at least once a week and register their Swiss residence with the communal authorities. For EU-17/EFTA nationals, no border zones apply; residence can be anywhere in the EU/EFTA and the workplace can be anywhere in Switzerland. For EU-8 nationals, residence and workplace must lie within designated border zones. (Contact your cantonal labour market authority for details.) The following guide provides a timeline for the required types of permits: EU-17/EFTA NATIONALS • 9 - 90 days of employment: registration (no permit required) • 3 - 12 months: L permit (short-term residence permit) • 12 months or more: B permit (residence permit) • 5 years or more: C permit (settlement permit) • 8 days per calendar year: in general without permit and registration

EU-8 AND OTHER COUNTRY NATIONALS • Up to 12 months of employment: L permit (short-term residence permit, quota) • 12 months or more: B permit (residence permit, quota) • 10 years or more: C permit (settlement permit) • 8 days per calendar year: in general without permit Within eight days of arrival and before beginning work, nationals of EU-17/EFTA states must register with the communal authorities at their Swiss place of residence and apply for a residence permit; a valid ID (such as a passport) and written confirmation of employment must be presented. Further documentation requirements can vary according to your type of employment and canton of residence; contact the respective communal authorities or the cantonal migration authorities for specific requirements. While there are similar work permit requirements for nationals of EU-8 and other countries, the Swiss authorities will generally require that you also fulfil the following conditions: • Local worker priority: No local equivalent worker (Swiss national or foreigner already in the Swiss labour market) is available to fill the position. • Wage and working conditions: These must meet local, professional and industry standards. • Quotas: The canton’s quota for that permit must not be exhausted. For third country nationals, the applicant must demonstrate his/her relevant qualifications, such as graduation title and relevant work experience. FAMILY PERMITS Family members are defined as spouses, children and grandchildren under the age of 21, and parents and grandparents who are financially supported by the worker. Family members of EU/EFTA employed nationals are granted an EU/EFTA permit even if they are non-EU/EFTA nationals but live permanently in an EU/EFTA country. The validity of the permit is limited to the duration of the main holder’s position. Family members may work, but must notify the cantonal authorities before doing so. For more information, visit www.bfm.admin.ch or contact your local authority.

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• • R E L O C AT I O N • •

Bringing the family How to go about bringing your family or partner with you to Switzerland, plus information on daycare centres and child benefits. EU CITIZENS EU citizens are allowed to bring family members to Switzerland. This includes children younger than 21 years old, as well as financially dependent parents and grandparents. Girlfriends and boyfriends can relocate if you have lived together for at least four years. NON-EU CITIZENS Your partner can stay in Switzerland as a tourist for six months a year, with a maximum of three months’ duration per visit, but they will not have the right to work. Your partner can obtain a residence permit if he or she enrols at a college or university. Swiss cantons do not recognise unmarried couples regarding residence permits. Unlike EU citizens, a special permit is required for financially dependent parents and grandparents to join you. To relocate your au pair, he or she must apply for a work permit, which can be a complicated procedure. DAYCARE CENTRES Children younger than four years can be cared for at home, in nurseries or in kindergartens. Nurseries are open on weekdays from 7.00 to 18.30. The cost is calculated on the basis of the parents’ income, and typically ranges from nine to 12 percent of their salary. Family nurseries or crèches familiales organise daycare at the home of a certified nurse assistant.

Haltes-garderies are short-term nurseries, used by parents when they want to go shopping, for example. Parents can make use of them for a maximum of three hours a day, three days per week. CHILD BENEFIT Child benefit is regulated on a cantonal basis in Switzerland. The benefit can vary between CHF 150 and CHF 400 per child, depending on the canton. At least one parent must be gainfully employed or drawing daily benefits from the unemployment insurance fund to be entitled to child benefit. Part-time workers may receive only a partial child benefit or none at all. Again, your canton will decide this. In some cantons, self-employed individuals can claim child benefit.

It seems to be a very safe place for raising children and a very family-oriented place. Carolyn Davenport-Moncel, Lausanne

To receive the Family Compensation Fund you must register your family. To do this will require your child’s birth certificate. EU citizens are entitled to full child benefit. Non-EU citizens must adhere to certain regulations. Some cantons pay child benefit only if your home country has entered a social insurance agreement with Switzerland. Benefits for children living abroad are only paid to asylum seekers after a fixed residence status has been obtained in Switzerland.

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•• HOUSING ••

Finding a home

MORTGAGES Foreign nationals can buy residential property in Switzerland under the following rules:

Finding accommodation in Switzerland is not the easiest of tasks. It is best to start searching before leaving your country.

• EU/EFTA nationals with a residence permit B can buy property if they will live in this property themselves. • Other countries’ nationals can only buy property if they have a Swiss residence permit C.

If you are bringing your family along, it is better for them to join you after you find suitable accommodation. If you are arriving alone, guesthouses, hotels and staying with friends are options. Many hotels and bed-and-breakfast establishments cater for long-term guests and offer weekly and monthly rates. While using an estate agent may be expensive, it may be a better option for foreigners than dealing with Swiss owners and government officials who may not speak English. Using a relocation company can be a less costly option. WHY RENT? (MIETEN/LOYER) Over 70 percent of the Swiss population rents. Renting a house or apartment has advantages like favourable tenant rights (landlords are in no position to expel their tenants if payment is on time) and easy cancellation of leases. Leases tend to be made for a period of one year. If a conflict arises between you and your landlord, being a member of your local tenants’ association (Mieterverband, association des locataires) will prove beneficial. Rent rates in Switzerland are comparable to those in other European countries. However, you will find variations between the cantons. Rents are higher in cantons like Basel, Geneva and Zurich, due to excess demand. Most landlords will expect a three-month deposit, or Kaution/Caution, which is returned when you move out, in addition to the interest earned over the rental period. Accommodation is generally rented unfurnished, but many apartments will be equipped with an oven, refrigerator and dishwasher. In addition to the basic rent, apartment tenants should expect to pay building maintenance costs and utilities; house tenants usually pay house maintenance (water pipes, gutter, garden and chimney) and utilities.

These rules do not apply to commercial real estate. We recommend you obtain at least three offers from different banks and insurance companies for mortgages, as there is strong competition between various providers. Switzerland’s mortgage industry is characterised by the following: • the highest withholding tax rate in any country; • stable interest rates; • the highest per capita mortgage industry in the world. Foreigners can get between 60 and 80 percent of the house price. When you buy land, an apartment or a house, moving duties and a land transfer tax is four percent on average. This amount varies between cantons. The procedure for buying is to make an appointment with a local notary public after arranging your finances. The notary’s job is to ensure the legality of the transaction. The money is paid to the notary and it is passed on only after change of ownership is properly registered. Mortgages in Switzerland are collateralised with the land upon which the housing is located. The owner has a right to credit depending on the value of the land. The lender has a right to use the land if the borrower is unable to meet his or her mortgage payments. As there is high per capita mortgage embeddedness in Switzerland, the mortgage rate is the leading interest rate indicator in the country. Registration of the deed with the Land Registry office is costly, running between 1.0 percent and 1.5 percent. Main Real Estate Agencies: Privera: www.privera.ch Wincasa: www.wincasa.ch (In French/ German/Italian only) SPG: www.spg.ch (In French only) Moser Vernet & CIE: www.moservernet.ch

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Naef: www.naef.ch (In French only) Main Home Finding Websites: www.homegate.ch www.immostreet.ch www.houseland.ch www.immoscout24.ch

•• HOUSING ••

Renting an apartment Vital information on searching for an apartment, visiting prospective homes, gathering necessary paperwork and signing the lease. HOUSING MARKET The current housing market favours the landlord, as there are very few available apartments in the cities where most foreigners relocate. In Zurich, for example, just 0.04 percent of apartments are free, while in Geneva it is only 0.02 percent. The limited housing stock allows Swiss landlords and agencies to choose from an array of prospective tenants. The real estate agency often collects and screens applicants but it is the owner who decides. STEPS TO RENTING AN APARTMENT Apartment search: Search for apartments offered on sites such as www.homegate.ch and www. immoscout24.ch, or for available rooms on www. wgzimmer.ch. Read the classifieds in the local newspapers and use word of mouth to learn of available apartments. Look for apartments that cost between one quarter and one third of your salary. Agencies and owners often look for tenants who can afford their property, but not a more expensive option. Also, make sure that the size of the apartment corresponds to your needs. Agencies and owners often prefer to rent a large accommodation (four rooms or more) to a family with children rather than a single person or a childless couple. It is advisable to visit as many available properties as possible. Looking outside the city limits can expand your options. Living near a train station a few kilometres outside the city can enable you to travel to the city centre within 10 minutes. Visit: If you find a place that you are interested in, visit it on the announced date or make a personal

appointment with the landlord. In several cantons real estate agencies will only accept applications from prospective tenants who have already visited a property. In addition, be prepared to have a meeting with the landlord: often Swiss owners like to encounter their future tenants. Paperwork: Be prepared to fill out a sheet of paper detailing what you are earning, references, pets, kids etc. And be aware that references WILL be tested; it’s usual that a future landlord will talk to your boss or your current or previous landlord. When you apply for the accommodation, you will need a valid work permit if you are not Swiss, a copy of your passport and the past three months’ pay slips or a letter from your employer stating your salary. If you have been in the country for longer than six months, include the BetreibungsregisterAuszug or extrait des poursuites (a document proving that you are debt-free and are not wanted by the police) with your application. It can also be useful to send a personal letter with your application. If the lease will be in the name of the company employing you, a copy of the Registry of Commerce should also be available. Lease: A decision on your application may be immediate or take days. If you receive a positive response, a lease will be prepared in your name and a move-in inspection date will be set. To receive the keys to your apartment, you will need to complete the following: sign the lease of your property; establish the bank guarantee (three months rent); pay the first month’s rent plus any administrative fees and provide proof of your liability insurance. Moving day: When you finally sign the contract and moving day has arrived, you will meet the landlord in your new home. Together you will inspect the rooms and he/she will write down any visible damage. Be attentive and accurate; anything not noted may end up on your bill when you move out. Assistance: If you have troubles, or you want to avoid them, you may wish to seek help from the Swiss Association for Tenants: www.asloca.ch (French part of Switzerland) www.mieterverband.ch (German) www.asi-infoalloggio.ch (Italian)

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•• HOUSING ••

Popular expat locations BERN With a population of 128,393 (half that of Zurich), newcomers to Switzerland may be surprised to learn that Bern is the capital city. Located near the linguistic border between French and German Switzerland, the city combines the plateaus of the western region with the eastern mountains. As the capital, all major Swiss political decisions are made in Bern, a surprisingly international city for its size. The medieval city centre is recognised by UNESCO as a Cultural World Heritage Site and still retains elements of its 12th century origins. The city also possesses one of the longest shopping promenades in Europe. Transport connections to other major Swiss cities are very good, with various motorways, an extensive rail network and an airport nearby. ZURICH Zurich is often considered the economic powerhouse of Switzerland. The city was recently ranked second in a quality of living

survey (www.mercer.com) due to its high standards of education, health and transport. Consequently, it is a popular destination for companies relocating employers and families setting up a new home. The cost of living is high, especially in the city centre, despite the authorities’ efforts to expand the city by building new suburbs. The city is arranged in 12 districts, which contain one to four neighbourhoods each. Main sights include the Kunsthaus, a classic modern art museum, Bahnhofstrasse, considered the Champs d’Elysees of Zurich, and Grossmunster, a church built in the 9th century. GENEVA Geneva is one of Switzerland’s most multicultural cities. It hosts the headquarters of numerous international organisations including the United Nations, the Red Cross and the World Health Organisation. Due to the high numbers of diplomats and high-ranking politicians working in Geneva, as well as the rich history and stunning scenery, the cost of living in Geneva is very high. Main attractions other than the international organisations, which are open to the public, include the large shopping district,

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•• HOUSING ••

the preserved old town and Lake Geneva with its famous fountain. Transport links to Geneva are very good, with a large international airport and connections to the Swiss and French rail and motorway systems. In the winter months many pass through Geneva to the Alps’ best ski resorts. BASEL The city of Basel, located in northwest Switzerland, offers its inhabitants a great geographical position to enjoy Switzerland, France and Germany. It is considered a cultural centre of Europe despite its small size. Small, winding backstreets in the old town connect shopping districts, museums and heritage sites. Picturesque views over the River Rhine can be enjoyed from numerous spots over the city and the river plays an important role in exporting and importing goods, since Basel is Switzerland’s only outlet to the ocean. There is also heavy industry along the main international borders with France and Germany. Transport connections are exceptionally good in Basel due to its sea port, international airport and proximity to both Zurich and Bern.

LUGANO Switzerland’s most southern town, often regarded as the capital of Italian-speaking Switzerland, is a stark contrast to other towns of the country. The extreme climate ranges from metres of snowfall in winter to high temperatures averaging 27 degrees Celsius in the summer, which attracts visitors from the German and French speaking regions. Due to this Mediterranean climate in summer, winemaking is a key source of income for the Ticinese (inhabitants of Italian Switzerland). The Italian influence on the region is identifiable in its architecture, food, mannerisms and even driving. Lugano is located an hour’s train ride from the European culture capital of Milan.

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•• FINANCE ••

Banking Switzerland is known for its sophisticated and discreet banking services, though opening an account may prove difficult for nonresidents. Banks and financial institutions play an important role in the Swiss economy. The Swiss franc is among the world’s most stable currencies, and the two largest Swiss banks – UBS and Credit Suisse – are among the world’s leading banks. The Swiss are world leaders in private banking and asset management for individuals. Private banking provides more than one third of all UBS and Credit Suisse’s net profits. Switzerland has 24 cantonal banks, owned by the individual cantons either entirely or with a majority stake. CURRENCY Since Switzerland is not part of the European Union, it is one of the few European countries which have yet to adopt the euro as its unit of currency. Therefore, all payments in Switzerland must be made in Swiss francs (CHF), or alternatively via credit or debit cards. The Swiss franc is known as Schweizer Franken in German, franc suisse in French and franco svizzero in Italian. You can, however, expect to get by on euros in major cities as well as the Swiss federal railway, airports, motorway tolls, and some coin-operated phone booths. BANKNOTES AND COINS Swiss banknotes are issued in denominations of CHF 10, 20, 50, 100, 200 and 1000. They are distinguished according to their size and colour. The smallest both in terms of size and value is the CHF 10 note; the largest, the CHF 1,000 note.

Swiss coins are issued in denominations of CHF 1, 2, and 5, and of 5, 10, 20 and 50 centimes. Unlike other currencies, all Swiss coins are silver, with the exception of the 5-centime coin, which is gold. BANKS AND BUREAUX DE CHANGE Bureaux de change tend to offer better exchange rates than banks. At banks, currency can be exchanged over the counter, or cash withdrawn via automatic teller machines or ATMs. Banks are open from 8.30 to 16.30, although smaller towns may close between 12.00 and 14.00. If possible, avoid exchanging your money at hotels, for they are known to have the least favourable rates. CREDIT CARDS As in most of Europe, credit card use is common in Switzerland. Visitors must consider that some small local shops and restaurants may require cash. MasterCard and Visa are most popular in Switzerland, followed by American Express and Diners Club. OPENING A BANK ACCOUNT To open a bank account in Switzerland, you will need to provide a copy of documents such as a passport or equivalent identification card, residence permit, lease and work contract. It is not necessary to make an appointment before opening a bank account, and any requested credit or debit cards can be expected to arrive after a week to ten days. Banks can issue you a Carte Maestro: a debit card which can be used in nearly all shops and can also be used for withdrawing cash. The Maestro card also has an embedded CASH chip which can be recharged with a credit of up to CHF 300. This is most commonly used to pay for services such as car parking, phone calls and public transport. Carte de Crédit is a credit card that can be debited once a month. Banks can charge a commission fee on cash withdrawals made using this card.

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Just moved to Switzerland? Need advice?

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•• FINANCE ••

How to open a Swiss bank account

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THE SWISS BANKING SYSTEM A prosperous and economically advanced nation, Switzerland has the world’s largest gross domestic product (GDP). There are nearly 400 banks in Switzerland, ranging from UBS and Credit Suisse to smaller banks serving single communities or selective clients. Considered the world’s largest offshore financial centre, the Swiss banking sector is known for its privacy, stability and protection of customer information and assets. The Federal Banking Commission (FBC) regulates these banks.

OPENING A SWISS ACCOUNT Opening an account can be difficult or impossible for non-residents of Switzerland. Foreigners officially residing in Switzerland, however, can open bank accounts easily. Banks require personal information (such as name, address, date of birth, profession and contact information), identification, a passport-sized photograph and financial documents which vary depending on the client’s profession. The origin of the funds will also be checked. US citizens are required to sign a document agreeing to notify the IRS of all transfers over a

certain amount. As Swiss bank accounts for US citizens require additional administrative work, many banks prefer to open these accounts only when large sums of money are involved. Swiss banking transactions can be done via correspondence as long as the customers follow bank rules and regulations. The bank and customer could interact through the internet, telephone or postal mail. Non-residents are expected to pay a large security deposit. To keep their account privacy intact, US citizens are expected to avoid making business transactions through their Swiss accounts. SECURITY DEPOSIT A security deposit is needed if the customer wants to obtain a credit card. Approximately 1.5 to two times the monthly credit limit is required, depending on the bank the customer chooses. This deposit is returned when the customer discontinues the credit card and has paid all outstanding bills. CONFIDENTIALITY To preserve the customer’s anonymity, some high-security bank accounts are given pseudonyms. This number or name is used wherever the customer is referred to. Failure to respect the customer’s privacy could lead to imprisonment for bank employees. However, there is no secrecy from tax authorities or the justice department. To prevent money laundering, Swiss banks crosscheck the authenticity of information provided by the customer. Any transfer over CHF 25,000 will be checked. If, during the inspection, the bank finds a potential or existing customer connected to criminal activity, a Swiss judge or prosecutor allows an investigation. This can include an inquiry into tax fraud, insider trading or terrorist financing. CLOSING AN ACCOUNT Closing an account is easier than many might expect. No financial penalty is demanded and neither is any money retained, unless a maximum amount has been agreed upon.

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•• FINANCE ••

Tax

least greater than CHF 500,000 a year). A minimum age is also required; in most cantons it is for those at least 50 or 55 years old.

How the Swiss tax system works for individuals and companies. Switzerland is a confederation divided into cantons (states) and communes, all of which work alongside banks, lawyers, companies and consultants to develop and maintain financial and administrative procedures. Switzerland places taxes on residents, companies, goods, real estate and savings. PERSONAL TAXES Personal taxes are the taxes that every Swiss resident must pay on their income and wealth. The rate of income tax depends on the amount of income and the canton of residence, with maximum tax rates varying between 24 percent and 45 percent. Wealth tax cannot exceed a maximum rate of one percent. Communes within each canton may also charge different tax rates. Income tax of employed foreigners is usually withheld directly by the employer at a fixed canton-specific tax rate and then, depending on the level of income and canton of residence, a tax return may need to be filed.

If a residence permit is granted and lump sum taxation is agreed, the individual is then prevented from taking up employment in Switzerland; therefore this method of taxation is most appropriate for retired people. COMPANY TAXES Companies must pay taxes on their net taxable income, the federal tax rate being 8.5 percent and the cantonal tax varying between 12 percent and 20 percent. At the cantonal level, new foreign companies can often get an exemption from this tax for up to 10 years. At the federal level, an exemption may also be possible if the company is established in a region that has economic difficulties. It is recommended to speak with local economic development agencies about tax exemption before creating a company. Different types of companies can also get their taxes reduced: Holding company: Has a controlling interest in one or more companies through owning stocks or bonds. It normally has reduced or no real commercial activity and therefore does not have to

At that time any refund or taxes still due will be calculated, although there is generally a lengthy delay before any final assessment is issued. Foreigners who do not have any economic activity inside Switzerland and who have not resided in Switzerland during the previous 10 years may be eligible for lump sum taxation. This means that instead of paying taxes on their worldwide income and wealth, they can negotiate an agreement with the fiscal authorities and pay a fixed amount of taxes every year, calculated on their living expenses in Switzerland. This system can be interesting for individuals with substantial income, particularly where all or a large part of that income arises outside of Switzerland (at 22

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•• FINANCE ••

pay tax on the income generated by the participations. Domicile company: Has administrative rather than commercial activity inside Switzerland; for example, a company that sells and buys assets outside Switzerland. This company’s taxes can be reduced at the cantonal level. The level of tax is calculated according to the importance of the administrative activity inside Switzerland and is negotiated with the cantonal tax administration. Service company: Provides services to other companies of the same group and therefore has no income. Taxation is based on the company’s expenses in Switzerland. The service company pays normal corporate tax on this deemed income, generally considered to be five percent of its operating costs. OTHER TAXES Other taxes in Switzerland include: VAT (value added tax), currently at a rate of 7.6 percent.

Withholding tax of 35 percent on the interest paid on bank accounts and on dividends and bonds of Swiss companies. This tax may be refundable by declaring it as income on the income tax return or by utilising a double-taxation agreement, as appropriate. Capital gains tax on Swiss real estate, to be applied only at cantonal level: such gains are not liable at the federal level. The rate of tax depends on the length of ownership of the property; the longer the ownership, the lower the tax rate. Stamp duty on the incorporation of companies and on certain insurance contracts. The inheritance/gift tax is also applied only at the cantonal level. Most of the cantons have already abolished, or are in the process of abolishing, this tax for direct heirs such as spouses and children. Except for real estate, there is generally no capital gains tax on private capital such as stocks and bonds.

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•• FINANCE ••

Insurance The Swiss are among the world’s highest spenders on insurance. The average Swiss family spends one fifth of their household budget on insurance, according to www. swissworld.org. COMPULSORY INSURANCE Health insurance Health insurance is governed by the Federal Law on Health Insurance. Everyone living in Switzerland is required to have basic health insurance (Soziale Krankenversicherung / Assurance maladie / Assicurazione-Mallatie). There are many different companies offering coverage and individuals are free to choose among them. Premiums vary between insurers, so it’s worth comparing. Many employers offer discounted premiums through a group policy with a health insurer. Basic insurance provides the essential cover. In addition, each insurer offers supplementary cover that can be taken out on an individual basis and can be private, semi-private etc. Again, the benefits and premiums of health insurers can vary. Accident insurance In Switzerland, accident insurance is included in the services offered by health insurers. Employees are automatically insured by their employer. This enables you to reduce your private premiums accordingly. Vehicle insurance The Federal Law on Road Transport requires anyone driving a car or riding a bicycle on the roads to take out liability insurance. Motor vehicle liability insurance covers all damage caused by you, as the driver of a vehicle, to other road traffic users.

Personal injury is covered, as is damage to property. You must present an insurance certificate to the road traffic authorities to receive Swiss licence plates. OPTIONAL INSURANCE Personal liability insurance This covers any claims against you as a private individual, regardless of whether injury or damage is concerned. It also protects you against unjustified claims. Household insurance Household contents are defined as all items in your possession in your house or apartment, on your balcony and in your garden. This form of insurance covers fire and water damage, and loss through theft.

Financial service providers BANKS BNP: www.thebankforexpats.com Credit Suisse: www.credit-suisse.com UBS: www.ubs.com Raiffeisen: www.raiffesisen.ch Migros Bank: www.migrosbank.ch Coop Bank: www.bankcoop.ch CANTONAL BANKS Geneva: www.bcge.ch Vaud: www.bcv.ch Zurich: www.zkb.ch Basel: www.bkb.ch Bern: www.bekb.ch Zug: www.zugerkb.ch MORTGAGE PROVIDERS All of the above banks. (It’s best to ask for at least three offers.) INSURANCE COMPANIES Zurich: www.zurich.ch AXA-Winterthur: www.axa-winterthur.ch Integra: www.integraglobal.com NVC: www.nvc.ch

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• • E D U C AT I O N • •

Education Switzerland has a largely decentralised education system. Each canton (district) has its own independent education department. The Swiss Conference of Cantonal Education is a united body of Swiss cantons aimed at standardising the system. Education is divided into four sections: pre-school or kindergarten, primary, secondary, and tertiary or higher education. In the majority of cantons, English is taught beginning at the primary school level. Although private schools exist, the majority of students attend state-run schools. School education in Switzerland is compulsory until the age of 16.

It’s frustrating how schools close during Mittagessen (lunchtime). Therese MoserRønning, Lucerne

PRE-SCHOOL/KINDERGARTEN Kindergarten (école enfantine in French and scuola dell’infanzia in Italian) attendance is mostly voluntary in Switzerland, although the majority of children attend a pre-school for at least one year. Children are not divided into achievement groups at this level. Public kindergarten attendance is free of charge in Switzerland, with local government providing financial support. PRIMARY SCHOOL Primary school attendance is obligatory and free of charge for all children of six years and older. Primary school lasts six years in 20 of the cantons and four or five years in the other cantons. In comparison to the lower secondary level, children at the primary level are not divided into achievement groups. Cantons are responsible for determining the

curricula of the primary schools. All of the cantons teach one national language (German, French, Italian or Romash) and two foreign languages in addition to maths, history, geography and science. In some cantons, a student’s sixth-grade work is important as it determines the track they will follow for the rest of their education in Switzerland. LOWER SECONDARY SCHOOL Pupils between 12 and 16 years of age attend lower secondary schools. In most cantons this level is divided according to performance: schools with basic courses promote practical abilities and prepare students for apprenticeships, while schools with expanded courses prepare students for general education schools or more demanding apprenticeships. UPPER SECONDARY SCHOOL After nine years of compulsory education, adolescents continue to the upper secondary level, which is split into vocational and general education. Basic vocational education lasts between two and four years and provides practical and technical training. Education takes place at the company providing the apprenticeship, vocational schools, and in cross-company courses. General education students attend Matura schools and specialised middle schools (Fachmittelschulen). Matura schools’ curricula include languages, humanities, economics, maths, science, visual arts, music and sport. Specialised middle schools prepare pupils for higher vocational education in healthcare, social service, teaching, communication and information, and the arts. TERTIARY LEVEL Higher education includes technical and vocational schools as well as universities. There are 11 universities in Switzerland: nine run by the cantons and two, called The Federal Institutes of Technology, managed by the confederation of Zurich and Lausanne. Other universities are located in Basel, Bern, Fribourg, Lucerne and St Gallen. To be accepted to a bachelor’s programme at a Swiss university, students must have a foreign certificate recognised by the university as equivalent to a Swiss certificate, such as the International Baccalaureate diploma (IB) or the International General Certificate of Education (IGCSE).

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• • E D U C AT I O N • •

INTERNATIONAL SCHOOLS Both local and international school systems in Switzerland offer excellent facilities and educational opportunities for students. Considerations for choosing between a local or international school include age of student, priority of local integration, language preference, and scheduling. Swiss school options tend to be most appropriate for younger students, who can maintain their English in the home environment, and for students who do not require an equal development of both languages on a written level. It is recommended that families choose one system for all children to maintain compatible daily and vacation schedules. Switzerland has 38 international schools, which together form the Swiss Group of International Schools (SGIS, www.sgischools.com). With a reputation for high teaching standards and strict discipline, Swiss international schools are among the best in the world. Exams and diplomas International schools offer students either nationally or internationally recognised qualification. The IGCSE and the IB are both internationally recognised certificates which are almost always prerequisites for entry into top universities. International General Certificate of Secondary Education (IGCSE) The IGCSE is a UK-based qualification administered by the University of Cambridge International Examinations (CIE). It is equivalent to school years 10 and 11, or British GCSEs. IGCSE requires students to take a minimum of eight subjects. The IGCSE diploma is particularly helpful for students applying to British universities, although it is not only recognised in the United Kingdom. International Baccalaureate diploma (IB) The International Baccalaureate originated at the International School of Geneva, and today over 1,700 schools in over 120 countries offer this diploma. It is considered equivalent to the British system of A-levels, and caters to students aged 16-19. The diploma requires students to

study six subjects within two years, as well as additional academic courses in philosophy, creativity and service, and writing a final essay. The IB is increasingly being favoured over the traditional A-Level system, as it focuses on the student’s personal development in addition to academic work. International schools in Gstaad Gstaad, located in the Bernese Mountains, is known for its schools’ high quality of teaching. Many families move here for their children’s education and the proximity to both Bern and Geneva. Gstaad International Boarding School Founded in 1962, this boarding school’s mission includes building endurance and stamina in academics and sports, and stimulating personal achievement by teaching the values of respect, gratitude and humour. www.gstaadschool.ch Institut Le Rosey A Swiss boarding school with a strong tradition of academic excellence, Le Rosey consists of two campuses: Rolle in autumn and spring, and Gstaad in the winter. www.rosey.ch John F. Kennedy International School The John F. Kennedy International School is an English-language boarding and day school for children between five and 15 years old. The student body is made up of 65 students from over 20 different countries. www.jfk.ch International schools throughout Switzerland Bern The International School of Bern is an Englishlanguage school offering three- to 19-yearold students the International Baccalaureate programme. www.isberne.ch Geneva The International School of Geneva: www. ecolint.ch Collège du Léman: www.cdl.ch Lausanne Brillantmont International School, located in the centre of Lausanne, is a family-owned boarding

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• • E D U C AT I O N • •

school for male and female students between 12 and 18 years old. www.brillantmont.ch Schaffhausen The International School of Schaffhausen offers comprehensive programmes for threeto 16-year-olds, and will begin a high school programme for university applicants in the coming years. www.issh.ch Winterthur The International School Winterthur teaches four- to 16-year-olds of over 34 nationalities. www.iswinterthur.ch Zug The International School of Zug and Lucerne is a day school spread over three campuses in and around Zug. Boys and girls are offered the International Baccalaureate programme. www.iszl.ch Zurich The Japanese School Zurich: www.jszurich.ch Swiss International School: www.internationalschool.ch Zurich International School: www.zis.ch Swiss Business School: www.sbs.edu UNIVERSITIES Switzerland offers a wide range of higher educational opportunities in the humanities and sciences. Students from around the world come to Switzerland to benefit from the high standard of education and the comparatively low tuition costs, ranging between CHF 1,000 and CHF 2,340 per year for foreign students. Higher education in Switzerland is divided into two types of institution: traditional universities offer bachelor’s, master’s and doctoral degrees, while the universities of applied sciences offer professional studies and teacher training. Due to their relatively small size, not all Swiss universities offer a wide choice of disciplines. Swiss higher educational policy values quality over quantity and most universities tend to specialise in certain subjects.

Entry requirements differ depending on the level of study pursued. For a bachelor’s degree, internationally recognised qualifications such as the International Baccalaureate (IB) are preferred to less mainstream qualifications. The prerequisite for a master’s programme is a successfully completed bachelor’s level programme. Good command of the university’s teaching language (either French, German or Italian) is also usually a prerequisite, although some courses, especially in the master’s programmes, are only taught in English. The academic year is divided into two semesters: autumn semester runs from calendar week 38 to 51 and spring semester from calendar week eight to 22. Students wishing to spend one or two semesters at a Swiss university can do so via the Erasmus student exchange programme. Depending on the area of study, exchange students are expected to participate in university life along with the Swiss students. Each university has an international office which facilitates an easy transfer between accredited universities. One of the assets of studying at a foreign university is that Swiss authorities provide students a living allowance of around CHF 1,250 per semester. UNIVERSITY LISTINGS German region University of Basel: www.unibas.ch University of Bern: www.unibe.ch University of Lucerne: www.unilu.ch University of St Gallen: www.unisg.ch University of Zurich: www.uzh.ch Strathclyde: www.strathclyde-mba.ch Italian region University of Lugano: www.usi.ch French region University of Fribourg: www.unifr.ch University of Geneva: www.unige.ch University of Lausanne: www.unil.ch University of Neuchatel: www2.unine.ch

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Language Courses G / E / F / I / SP individualized, lively, www.benedict-basel.ch BĂŠnĂŠdict-Schule, Steinenberg 19, 4051 Basel Tel. +41 61 284 96 86, info@benedict-basel.ch

• • E D U C AT I O N • •

Online University of Liverpool (Online master’s/doctoral degrees) www.uol.ohecampus.com Walden University (Online bachelor’s/ master’s/doctoral degrees) www.waldenu.edu/ international

LinguaViva Geneva: Training centre founded in Florence in 1976 and established in Geneva in 1994 offering language and IT courses. The language school offers group, intensive, business courses and more. www.linguaviva.ch/anglais

LANGUAGE SCHOOLS

SL&C: Language training centre in Geneva offering personalised language training programmes for professionals. www.supercomm.ch

Geneva Berlitz Geneva: With 130 years of experience, more than 470 centres in over 70 countries, and millions of graduates, Berlitz offers effective language instruction and cross cultural training, whether for business or personal enrichment. www.berlitz.ch/en/geneva_carrefour_de_rive Inlingua Geneva: Language school offering group or individual lessons in French, English, German, Spanish and other languages, plus an online test to assess language skill level and placement. www.inlingua.ch/en/genf/angebotsuebersicht/ gesamtuebersicht

Bell Switzerland: Provides a range of language learning services from pre-school education to communication skills for professionals, in English, French, German, Japanese, Italian or Spanish, through one-to-one tuition, small groups or traditional classes, in the classroom, at home or in the workplace. www.bell-school.ch

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What’s Slowing Your Company’s Climb to Success? • Prospects who won’t make a decision. • Clients who use your salespeople’s proposals to shop for a better deal. • Wasting valuable time on unpaid consulting. • Requests for your salespeople to drop their price to win the sale.

To get over these obstacles to success, your sales team needs a new way of thinking and selling. They need Sandler. At Sandler Training ® your salespeople will learn honest, no-nonsense selling strategies that will give them the tools, insight, and confidence they need to deliver the sales results you want. The Sandler Selling System® is not a quick fix—it’s a career-building training and development process that will help your sales team grow and reach new heights of success now and in the future. We will show them how to take charge of the selling process and get results more quickly. Contact us today:

Sandler Training in Switzerland

Residence de la Cote 30, Morges, Switzerland Tel: +41 21 802 3117 e-mail: info-switzerland@sandler.com website: www.sandler.com

• • E D U C AT I O N • •

Vaud Inlingua Lausanne: Language school offering group or individual lessons in French, English, German, Spanish and other languages,plus an online test to assess language skill level and placement. www.inlingua-lausanne.ch/index_e.php

SL&C: Language training centre in Lausanne offering personalised language training programmes for professionals. www.supercomm.ch

Eurocentres: Located in the heart of Lausanne, Eurocentres has been offering language courses for 60 years. French lessons for groups or individuals, and intensive courses are available. www.eurocentres-lausanne.com/Lausanne/en Le Bosquet: A family-owned language school in Lausanne, teaching French, English, German and Spanish. Conversation, literature, business and culture modules are available. www.bosquet.ch

The dynamic, interactive and innovative Language School.

Le Bosquet is a Swiss school founded and run by a local family, with over 30 years of success in teaching languages to students from all over the world. It is a school that puts respect and human values at the forefront. It has earned its reputation for the quality of its pedagogy and the warm welcome of its staff. The modern premises of Le Bosquet are located in the heart of Lausanne with immediate access to public transportation. Although very centrally located, it is in a quiet area, free from noise. It is therefore convenient and provides ideal working conditions. The school is comprised of 18 classrooms holding groups up to a maximum of 12 students. The Business Classroom holds up to 10 participants. Le Bosquet offers a wide range of courses for all levels of learning, whether you are a beginner looking to learn French or you are at a more advanced level looking to expand your current skills.

The school conducts more than 30 classes per week to small groups so that attention is fully given to individual needs. The classes run from morning through evening depending on the course chosen by the student. Tailor-made Program: You decide on the content, intensity and duration of your course according to your needs, profession and availability. The tailor-made program combines theory, live exercises and scenarios with the help of our methods that stress a sound knowledge of speaking, without neglecting the written language. Several modules are provided: Business French, Conversation, Literature, and Culture. Sports and Leisure: Are available according to the season and the student’s special requirements. Also available: The Full Immersion program, evening courses for French, English, German & Spanish.

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:::: GENEVA SECONDARY SCHOOL :::: Secondary Education in English (11-16) Small private school environment; maximum class size 16 Excellent school/parent/student communication English National Curriculum – Key Stages 3 and 4

PLACES AVAILABLE

IGCSE Examinations – approved exam centre Outstanding purpose built premises with secure playground and entrance Situated in Châtelaine – easy access from motorway and bus stop right outside Tuition fees: CHF 17'900.- per annum

:::: A-LEVEL COLLEGE :::: A 2 year, full-time course of study leading to university entrance, for international and Swiss students aged 16 and above.

Geneva Secondary School :: A-Level College Av. de Châtelaine 95A :: 1219 Châtelaine :: Tel: 022 795 75 10 :: www.gsschool.ch

• • E D U C AT I O N • •

Zurich Bellingua: Bellingua is the premiere language school in Zurich specialising in teaching German as a foreign language. Bellingua offers German courses in small classes (four to nine students) with excellent teachers. www.bellingua.ch/en/schule/objectives

Online Live Mocha: Comprehensive and free online language courses available in French, German, Italian, Spanish, Russian, Mandarin and more. Help from native speakers from around the world in real-time online. www.livemocha.com

Berlitz: With 130 years of experience, more than 470 centres in over 70 countries and millions of graduates, Berlitz offers language instruction and cross cultural training, whether for business or personal enrichment. www.berlitz.ch/en

Learn French at Home: Long distance French learning programme. Individual or group lessons with a teacher, carried out over the telephone or using Skype. www.learnfrenchathome.com

Language Center Zurich: LCZ offers a master tailored learning programme according to students’ personal needs. Each session is divided into two parts: revision, grammar and vocabulary, followed by talking (e.g., roleplay, conversation and discussion). www.language-center.ch

Toniks Languages: Online language courses offering the possibility to learn a language using Skype. Personalised lessons with native teachers in French, English and more. www.toniks.com

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...reaching out for a brighter tomorrow Language of instruction:

Parents Club

English.

Organizing a variety of activities and fun seasonal events: e.g. Halloween, Family Day, Diwali, Chinese New Year, Fasnacht, RĂ¤beliechtli and more.

Foreign Languages taught: German, French, Spanish, Dutch, Hindu and Mandarin.

Classes for students from Nursery (aged 2.5 years) to grade 12. Students may begin at any time of the year.

Daily hot lunch available. Nutritious and freshly prepared.

After School Activities include: sports, crafts, drama, music, dancing, local soccer competition and more.

Homework Club and After School Club available daily until 6pm.

Excellent student teacher ratio: Small class sizes allow a focus on individual needs.

Highly qualiďŹ ed teachers with international experience. Conveniently located: ISZN is situated between Zurich City and the Airport and ISZW between Zurich City and Baden. Both campuses are easily accessible by public and private transport.

International Curriculum according to the International Baccalaureate Organization

Swiss International School Zurich North

Swiss International School Zurich West

Industriestrasse 50 CH-8304 Wallisellen

Unterrohrstrasse 3 CH-8952 Schlieren

e-mail info@iszn.ch web www.iszn.ch

e-mail info@iszw.ch web www.iszw.ch

phone +41 (0) 44 830 70 00 fax +41 (0) 44 830 70 07

phone +41 (0) 44 433 30 00 fax +41 (0) 44 830 70 07

• • E D U C AT I O N • •

SCW Sprachschule: SCW Sprachschule is a small language school with a personalised teaching style. SCW teachers have all graduated from a university of their native language or have a Swiss Matura, BA or similar degree. SCW’s teaching ‘structure’ and ‘intuition’: the student learns the grammar of the language and also trains their intuitive learning skills. Cultural integration is another key concept for SCW, which regularly offers cultural and social activities to their students. www.scwsprachkurse.ch Sprachwelten: Sprachwelten like to share their passion for languages and people with high professional linguistics. Their training premises are situated in the heart of Zurich. Sprachwelten maintains learning atmosphere as an important factor for successful learning, whether in a small group or as an individual. www.sprachwelten.ch SL&C: Language training centre offering personalised language training programmes for Pub Foire Expat Eur09dec.pdf 18.12.2009 17:33:39 professionals. www.supercomm.ch

CMJ

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•• EMPLOYMENT ••

Job hunting in Switzerland Looking for work in another country requires more than just the obvious CV translation. A thorough preparation will give you a head start. Here is some information on Swiss work permits, job application procedures, the selection process and management culture.

Work permits (see page 9) • Work permits must be renewed every year. • The permits are divided into four groups depending on country of origin and length of stay. • There is a fixed number of work permits for foreigners, allocated according to canton and company.

THE APPLICATION PROCEDURE • The boss is usually present in the interview. • Be prepared to answer questions about the company and your motivation for this particular job. • Psychological and psychometrical tests are sometimes used.

WRITING A CV • View your CV as a marketing tool and adapt it to the applicable market. • The structure of your CV can either be chronological, reversed chronological or functional. • Swiss recruiters attach great importance to work experience. • Write the CV in the main language used in the organisation, if possible.

THE APPLICATION LETTER • The Swiss application letter is handwritten, wellstructured and short; maximum one page. • Write in a formal style. • Refer to the advertisement you are responding to.

INTERVIEWING DOS: • Maintain a clean and neat appearance. • Combine handshakes with eye contact during introductions. • Ask for clarification if you don’t understand the question. • Provide examples to illustrate your achievements. • Ask questions to express interest.

INTERVIEWING DON’TS: • Be surprised if the interview lasts up to an hour. • Sit until invited. • Criticise former employers. • Be dramatic – stay calm and stick to the facts.

MANAGEMENT CULTURE • The culture of companies can vary somewhat depending on whether they are in the German, French or Italian area of Switzerland. • Swiss companies have a vertical hierarchy and decisions are made at the top. • Meetings are sharp, orderly, task-oriented and impersonal. • Discussions are very precise, cautious and can be a little gloomy. • The Swiss are considered hard but fair bargainers. • Office hours are Monday to Friday, from 8.00 to 17.30. • Business and private life are strictly separated in Switzerland. JOB SEARCHING ONLINE http://jobs.expatica.com/ch www.glocals.com/classifieds/jobs-and-careers www.jobup.ch: Covers a range of industries including healthcare, IT, banking, hospitality and watch-making. www.topjobs.ch For executives and professionals. www.monster.ch (In French and German only) RECRUITMENT AGENCIES Adecco www.adecco.ch: (Throughout Switzerland) Aims International www.aims.ch: (Bern, Fribourg, Gland, St. Gallen, Zurich) Computer Brainware Advisors www.cba.ch: (Basel, Bern, Lucerne, Zurich) Oprandi & Partner www.oprandi.ch: (Throughout Switzerland) Page Personnel www.pagepersonnel.ch: (Basel, Geneva, Lausanne, Zurich) Pleinert & Partner www.pleinertpartner.com: (Zurich) Swisselect www.swisselect.ch: (Basel, Bern, Lausanne, Zurich)

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•• EMPLOYMENT ••

Starting a business in Switzerland Before starting a business in Switzerland it is worth assessing the types of companies available, which require varying legal fees and amounts of paperwork. SINGLE-OWNER COMPANY The most common type of company after the standard corporation or ‘joint-stock’ company, this is most suitable for sole owners of a business or other professionals who work for themselves, such as freelancers. The sole trader must be a Swiss resident. There is unlimited liability and the individual’s name must appear in the business name (such as John Smith Consultancy or Smith IT services). Registration with the Chamber of Commerce is mandatory if annual sales exceed CHF 100,000 a year.

GENERAL PARTNERSHIP This category is used when two or more people jointly operate a company. All partners must be Swiss residents and the company must have a Swiss address. The name of one of the partners must appear in the business name of the company (such as Smith and Co). All partners have unlimited liability and registration with the Chamber of Commerce is mandatory.

LIMITED PARTNERSHIP A much less common version of the General partnership, in this type of company general partners have unlimited liability while limited partners may be liable up to an agreed amount. Registration with the Chamber of Commerce is mandatory.

CORPORATION/JOINT-STOCK COMPANY (AG/SA) The most common form taken by businesses, the corporation is considered an independent legal entity. At least three original shareholders are required to form a corporation. Liability is limited to the value of the company’s assets and the minimum amount of shareholders’ equity is CHF 100,000, of which CHF 50,000 must be fully paid for. The company must comply with formal incorporation procedures for which it must pay fees for taxes and legal advice. Processing the registration generally takes between two and four weeks, after which the company is a legally recognised entity. In each case the majority of the board must be composed of Swiss or European citizens resident in Switzerland. The board members can be personally liable for the payment of Swiss taxes and social security.

LIMITED LIABILITY COMPANY (GMBH/ SÀRL) Another legal entity, this type of company requires a minimum shareholders’ equity of CHF 20,000, of which CHF 10,000 must be fully paid for. At least one managing director must be a Swiss resident, though not necessarily a Swiss or European citizen, and the company must have at least two original shareholders who may be foreigners. The founders are allowed to perform the duties of governing bodies. This type of company is cheaper to start than a limited company, but requires a more difficult process to transfer shares.

SUBSIDIARY A legally independent company, but which is affiliated to a foreign entity, a subsidiary tends to operate more as a ‘Swiss’ than ‘branch’ company. It can take the form of a Corporation or a Limited liability company.

BRANCH A branch is a legally dependent, but financially independent, wing of a head office that operates outside the home country. In this type of company the foreign parent company is liable and the branch is taxed in Switzerland as a Swiss company. One Swiss resident with legal authority is required; the lawyer can be a foreigner.

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• • H E A LT H • •

Healthcare Switzerland is known throughout Europe for its high quality medical and paramedical services, with healthcare always high on the political agenda. The country spends about 10 percent of its GDP on health, placing Switzerland near the top of OECD countries for medical expenditures. This considerable investment means the country possesses a wealth of medical facilities employing the latest technology, as well as one of the world’s lowest patient-to-doctor ratio (and a high ratio of well-trained nurses to doctors).

HEALTH INSURANCE The high level of healthcare in Switzerland comes at a cost. Everyone living in the country is required to have basic health insurance (Soziale Krankenversicherung / Assurance maladie / Assicurazione-Mallatie). Foreigners must obtain health insurance within the first three months of their arrival in Switzerland and babies must be insured within three months of birth. Individuals are responsible for contacting insurance providers, since employers do not necessarily arrange for coverage. Several public and private insurance companies are available, but it is usually necessary to register with one of the state-run Swiss insurance companies. In many cases, the Swiss insurance authorities do not accept global health insurance even if the policy states that it covers medical care in Switzerland. Depending on the level of cover, an annual individual health insurance package can cost up to CHF 10,000. Reductions are often available through the employer, who may offer a group policy which offers discounted premiums. By law, an employer is obliged to insure all employees for accidents; costs are split by employee and employer.

Health and accident insurance for spouses and children is compulsory in Switzerland. Insure each household member individually, as family members are not automatically covered by one parent’s membership. Visitors to Switzerland for three months or less may be covered by a reciprocal agreement between the home country and Switzerland, or by a private health insurance scheme.

PRIVATE HEALTHCARE In addition to its high level of public sector healthcare, Switzerland also possesses one of the world’s largest private healthcare sectors. Geneva and Zurich in particular draw international patients seeking health advice and treatment. These facilities are generally very costly and are usually not entirely covered by health and accident insurance. It is best to enquire prior to admission. Due to the international nature of this sector, most of the staff is English-speaking.

PHARMACIES Before going to directly to see a doctor, many Swiss people visit a pharmacist. Pharmacists are highly qualified and most speak English. Pharmacies in Switzerland are clearly marked with a green cross. Although equivalents of all medicines may be obtained in Switzerland, it is advised to bring a supply of needed medicines when relocating as they can be expensive. Many medicines frequently found in supermarkets or considered ‘over the counter’ elsewhere are generally only available at the pharmacy. They can be purchased without prescription but must be requested. Doctors are often willing to write prescriptions for these medicines when used in the course of general treatment; sometimes the cost of these medicines is covered by the insurance provider.

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DENTAL - PRACTICE - ZUG Dr. med. dent. A. Hussain Bahnhofstrasse 28 â&#x20AC;˘ 6300 Zug

We speak: English, Hindi & German info@dental-practice-zug.ch www. dental-practice-zug.ch phone 041 712 16 10

• • H E A LT H • •

Pharmacies are listed in the telephone directory, and even the smallest mountain villages usually have at least one. All-night pharmacies operate in most large towns and cities.

EMERGENCIES In any kind of emergency, the one uniform number to dial is 144; this will connect to the operator who will route the call to the police, ambulance or fire services. Depending on the gravity of the accident, you may wish to phone for an air ambulance (REGA) by dialling 1414, or +41 333 333 333 from a foreign mobile phone.

Hospitals

LUSTMUEHLE

Below is our list of some notable hospitals in Switzerland.

ST GALLEN

ARAU

DE LA TOUR

Kantonsspital Aarau: www.ksa.ch

BALGRIST Universitätsklinik Balgrist: www.balgrist.ch

BASEL Bethesda-Spital: www.bethesda.ch

BERN University Hospital Bern: www.inselspital.ch Tiefenauspital Bern: tiefenau.spitalnetzbern.ch

CHUR Kantonsspital Graubünden: www.ksgr.ch

GRABS Spital Grabs: www.spitalgrabs.ch

Paracelsus Klinik: www.paracelsus.ch

Kantonsspital St.Gallen: www.kssg.ch

Hôpital de la Tour: www.latour.ch

USTER Spital Uster: www.spitaluster.ch

WIL Spital Wil: www.srft.ch

WINTERTHUR Kantonsspital Winterthur: www.ksw.ch

ZUG Zuger Kantonsspital: www.zgks.ch

ZURICH Stadtspital Waid: www.waidspital.ch UniversitätsSpital Zurich: www.usz.ch

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• • H E A LT H • •

Fitness

Lake Geneva and Lake Neuchâtel offer sailing, water-skiing and canoeing.

Switzerland offers year-round sporting opportunities, from skiing in winter to swimming, golf and camping in summer.

HORSEBACK RIDING AND GOLF

Switzerland offers unparalleled opportunities for sports throughout the year, providing the sports enthusiast with ski slopes in the winter months and outdoor swimming pools in summer. With names like Roger Federer and Martina Hingis known by millions, sports are an essential part of Swiss life. The Swiss are very health-conscious and enhance their quality of life by practising sports regularly.

WINTER SPORTS Switzerland is home to winter sports like ice skating, skiing and snowboarding. Most families spend at least a week of their annual holiday at a ski resort. Major towns and most alpine resorts have an ice field for skating in the winter. At school, pupils often follow elementary courses in skiing and figure skating.

BIKING AND HIKING

Horseback riding and golfing, though requiring expensive equipment, attract thousands of people during weekends. The Fribourg region in the French-speaking canton of Jura has hills for riders, hikers and bikers. Switzerland is also a well-known golfing destination, with over 90 golf courses and 40 golf hotels throughout the country.

CAMPING Each town and village in Switzerland has at least one campsite available, which are generally clean and well-equipped. The sites are classified according to facilities, ranging from one to five stars, and tourist offices in every region in the country have a camping map showing the locations, contact details and facilities of campsites in the locality. The largest camping facilities are in the south of Switzerland, namely around Lake Geneva, the province of Tessin and the valley of Engadin. Note that these are in high demand between May and September, and can cost between CHF 30 and CHF 60 per night.

GYMS

Biking and mountain climbing are the most popular summertime sports. Switzerland also has more kilometres of hiking paths per capita than any other nation and many Swiss enjoy using them. In the main towns and cities, several clubs organise outdoor treks, but most people prefer to hike independently. For inexperienced hikers, guides are available.

For an indoor workout, there are several gyms and health clubs in the main cities. Note that membership fees are more expensive than Switzerland’s neighbouring countries. There are Migros Fitness Parks in almost every main city (www.fitnesspark.ch), and Activ-Wellness sport centres in many locations as well (www.aktivwellness.ch). A list of private sport centres is available online at www.fitness.ch.

SWIMMING / WATER SPORTS

UNIVERSITIES

The Swiss also love to swim and sunbathe in summer, and the authorities ensure that the city’s waters are kept clean. Public pools, river and lakeside swimming facilities are located throughout the country. Swimming in lakes and rivers is especially popular, as entrance fees cost half as much as those for pools.

Universities offer their students a heavily subsidised, if not free, sports programme, ranging from football to caving. Students are also normally offered reductions at private sport centres.

Opportunities to take part in water sports are mostly found in French speaking Switzerland.

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I am my friends and family who are never far away Orange. Keeping you connected wherever you are. visit orange.ch/expat

•• HOME BASICS ••

Setting up home UTILITIES The Swiss energy market is privatised, with consumers offered a wide choice of service providers. Many companies cover all three services: electricity, gas and water. When renting a house, utilities are usually excluded from the monthly rent. Apartments, however, commonly include heating and hot water in the rent. Companies send bills every two to four months. Tenants pay an estimated charge which is recalculated every six to 12 months based on meter readings. The Swiss Federal Office of Energy is responsible for regulating the energy market and increasing energy efficiency in the home. As environmental awareness increases, interesting incentives for decreasing energy use are emerging. Electricity in Switzerland is between 220 and 240 volts, and the electrical plug has three round prongs. You may need to replace your electrical appliances from home or purchase adapters. Gas is uncommon in Switzerland for household use due to its high cost. If your house requires gas you can contact one of the listed suppliers. Main suppliers: Swiss Electric, Atel, Axpo, Buzman

TELEPHONE AND INTERNET Swisscom is the national telephone supplier, providing the following services: landlines (Swisscom Fixnet), ISDN internet (Multiline ISDN), DSL internet (Bluewin) and mobile phones (Swisscom Mobile). Other mobile phone providers include Orange and Sunrise.

To set up internet or telephone service you will need a copy of a residence permit (or other photo ID) and a one-time connection payment. Service can usually be installed within a few days. Mobile phones can be paid with a 12- or 24-month subscription or by prepaid card. Some providers have facilities for recharging the card at train ticket dispensers, the post office or ATMs. Phone/internet providers: swisscom.ch, orange.ch, t-mobile.ch, sunrise.ch

TELEVISION AND RADIO Swiss residents pay a tax for TV and radio access. The annual cost of CHF 20 allows unlimited access to television and radio programmes. Failure to pay can result in fines of up to CHF 5,000. For more information visit www.billag.com (in German, French and Italian only). Once you have the licence there is a wide range of regional and national radio stations available, including the English-language World Radio Switzerland. Each linguistic region of Switzerland has its own state-owned and private range of television channels which are obtainable from a standard receiver. Most television programmes are shown in the regional language, although some channels have dual-language options. For a wider range of programmes you can subscribe to a monthly cable service. Many city apartments already have a cable TV connection, enabling you to receive national and international channels. Satellite dishes are also an option if you require a specific selection of channels. However, landlords may require approval before dish installation. Service providers: www.swisscable.ch, www.swisscom.com, www.cablecom.ch, www.naxoo.ch, www.slingmedia.com

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•• TRANSPORT ••

Transport Switzerland possesses one of the world’s most reliable public transport services, which makes reaching even the most remote parts of the country relatively easy. TRAMS AND BUSES The main Swiss cities boast efficient public transportation, with trams and buses forming the core of the urban network. The average cost of a single, short journey ticket is CHF 2.50, which is usually only valid for an hour. Depending on the travel required, it may be more economical to purchase a day pass for about CHF 8, a monthly pass or a prepaid discount card.

TRAVEL BY TRAIN Switzerland has over 5,000 kilometres of railroad track, of which about 60 percent is owned and operated by Switzerland’s government-run transport provider (Schweizerische Bundesbahn or SBB in German, Chemins de Fer Fédéraux or CFF in French, and Ferrovie Federali Svizzere or FFS in Italian). Major cities are connected by InterCity trains, which run at least once every hour throughout the week. Switzerland does not have its own high-speed railway line, but foreign high-speed trains such as the French TGV and the German ICE run throughout Switzerland on a daily basis. Restaurants tend to be a standard facility on the main InterCity connections and international trains. The SBB provides additional services such as educational hikes and day trips. Scenic trains are available for those who want to fully experience the beauty of the Swiss landscape; these routes include the Glacier Express, Chocolate Train, GoldenPass Line and Bernina Express.

TRAVEL BY CAR Travelling by car in Switzerland is easy, for all villages and towns are well-indicated and accessible. Road surfaces are usually wellmaintained; although heavy snowfall in winter can lead to some closures. To drive on the motorways between main cities, it is necessary to purchase a special licence called a vignette for CHF 40. Larger vehicles such as caravans can safely travel along the Alpine passes, with even lorries driving over mountain passes when tunnels are too busy. Note that traffic is heaviest during the summer months, especially at weekends. While most mountains are accessible by road, some mountain resort towns including Braunwald, Murren, Wengen and Zermatt are completely car-free. Public transport in these locations is therefore exceptionally good.

OTHER TRANSPORTATION Other forms of transportation are also readily available. Ferryboats operate on all main lakes and it is also possible to rent bikes at most train stations. The only underground system in Switzerland was introduced in 2008 in the town of Lausanne. As is the case across Europe, taxis are readily available in the centres of all cities, but can be expensive. The cost often doubles after 22.00, thus it is advisable to ask the price beforehand.

PRICES AND DISCOUNTS The high standard of public transport in Switzerland comes with high prices, especially for rail travel between larger cities. When staying in Switzerland for a long period of time, or expecting to use public transport frequently, it is advisable to purchase a GA (General Abonnement) ticket. The GA provides unlimited travel on the entire Swiss network, and is available in one-month, six-month and one-year durations. The next best option is to purchase a Half-Tax card (CHF 150), which entitles the bearer to half-price travel on the whole network. Finally, those under 25 years old who already possess a Half-Tax card can upgrade to a G7 (Gleis 7) card for CHF 100, granting free travel on the whole network after 19.00. Bearers of these cards are also entitled to reduced-price products at a number of shops throughout the country.

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•• TRANSPORT ••

Driving in Switzerland

local authority of residency within the canton, a passport photo and CHF 40. The international driving licence has a validity of only three years.

Obtaining a licence, importing vehicles and following road rules in Switzerland.

Vehicles owned for less than six months will be charged an import tax. It is necessary to provide official documentation to confirm the value of the car and its country of origin. The import duties include customs duties, 7.6 percent VAT, CHF 15 for a report required for vehicle registration, and a consumption tax of four percent of the vehicle’s value.

IMPORTING A CAR TO SWITZERLAND

BASICS The geographic diversity of Switzerland requires adapting to various environments ranging from motorways to small mountain roads. The rules concerning driving in the country are often complicated, particularly for foreign visitors. The minimum age for driving in Switzerland is 18 for cars and two-wheel vehicles of 50cc or more. The minimum age for driving a smaller engine two-wheel vehicle is 17. Switzerland allows drivers to use a foreign licence for one year; to drive after one year it must be exchanged for a national driving licence. Any driver who does not apply for a Swiss licence within the first year of residence must pass a Swiss driving test. In this first year it is prohibited to lease or sell a car to a third party. Each canton has an automobile service that conducts technical inspections and issues vehicle registrations. When moving within a canton, it is necessary to send the driver’s licence and vehicle registration papers to the automobile service of that canton for updating. When moving to another canton, it is necessary to request a new licence from the automobile service of the new canton within 14 days of relocation. In addition, plates must be registered at the automobile service.

INTERNATIONAL DRIVING LICENCE To obtain an international driving licence, it is necessary to provide a residence permit, a copy of the lease or a confirmation from the 54

Vehicles owned for over six months are not charged an import duty, but require a completed clearance request form for moving purposes. A month after importing the car, the motor registration office informs the owner that the official motor vehicle inspection will take place within a year. Once the test is completed, drivers pay a canton-specific road tax between CHF 100 and 2,000 depending on the engine size. Insurance and license plates much be purchased as well, and can be expensive depending on the vehicle model, parking place and other details. Comprehensive vehicle insurance can cost about CHF 1,200 for an average car.

MOTORWAY USAGE Special licences must be purchased to use the motorways in Switzerland, even for short distances. The motorway tax sticker or vignette costs CHF 40 and is available at customs offices, post offices and garages. Failure to show a vignette is punished with a fine of CHF 140.

CAR HIRE A range of car rental companies is available, with major chains located in all main towns and cities. In order to rent a car, the driver must be over 20 years old and have had a driving licence for at least one year. However, companies’ rules differ and it is best to check individual regulations.

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•• TRANSPORT ••

WINTER DRIVING Since Swiss roads are often covered in snow during the winter months, it is advisable to change to winter tires and install snow chains if possible. While not compulsory, Swiss police can stop drivers if they think it is unsafe to drive without special snow equipment.

GENERAL ROAD RULES • As in the EU, it is illegal to use a mobile phone, except for a hands-free unit, while driving. • The alcohol limit while driving is 0.05 percent, which is lower than other European countries. • Drivers who break down or have an accident must place the triangular warning sign behind their car.

Airports Here is a list of international and regional airports in Switzerland, with contact information. INTERNATIONAL AIRPORTS

Photo by Toni_V (flickr.com)

Zurich International Airport +41 (0)43 816 22 11 www.zurich-airport.com info@unique.ch Geneva Cointrin International Airport +41 (0)43 816 22 11 +41 (0)22 717 71 11 www.gva.ch (Email via website)

• On roundabouts, vehicles inside the circle have the right of way. • When two vehicles meet on a narrow mountain road, the ascending vehicle has the right of way.

SPEED LIMITS Motorways: 120 km/h (75 mph) Country roads: 80 km/h (50 mph) Cities: 50 or 60 km/h (31 or 37 mph) Residential areas: 30 km/h (18 mph) The highway code manual can be purchased for around CHF 20 at customs offices and each canton’s automobile service. The books are available in English, French, German, Italian and Spanish.

Basel-Mulhouse International Airport +33 (0)38 990 31 11 www.euroairport.com (Email via website) Payerne Airport www.aeropole.ch (Email via website)

REGIONAL AIRPORTS Bern Airport +41 (0)31 960 21 11 www.flughafenbern.ch info@alpar.ch Lugano Airport +41 (0)91 610 11 11 www.lugano-airport.ch info@lugano-airport.ch

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• • C O N TA C T S A N D C A L E N D A R • •

Groups & clubs BASEL

ZURICH American Club of Zurich www.acz.ch American Women’s Club of Zurich www.awczurich.org

American Women’s Club of Basel www.awcbasel.org

Aussies Abroad www.aussies.ch

Basel Childbirth Trust www.baselchildbirthtrust.com

British Business Luncheon Club www.brine.ch/bblc

Centrepoint Basel www.centrepoint.ch

Democrats Abroad www.democratsabroad.org/group/Switzerland

Open Door Basel www.opendoorbasel.ch Professional Women’s Club of Basel www.pwg-basel.ch

Indian Association Zurich http://iazch.ch International Ski Club of Zurich www.iscz.ch

BERN American Women’s Club www.awcbern.org

New Zealand Association of Switzerland www.nzclub.ch

Bern Cricket Club http://berne.play-cricket.com

Professional Women’s Group of Zurich www.professionalwomensgroup.com

Canada Club Bern www.canadaclub.ch

Swiss-American Chamber of Commerce www.amcham.ch

English Club Biel / Bienne www.englishclubbiel.ch

Zurich International Club www.zhic.org

English Speaking Club of Bern www.englishclub.ch

Zurich International Women’s Association www.ziwa.com

ZUG International Mums and Kids Club www.imkc.ch International Men’s Club of Zug www.imcz.com

VARIOUS LOCATIONS Toastmasters www.toastmasters.ch

Zug International Women’s Club www.ziwc.ch Round Table Switzerland www.roundtable.ch The English Theatre Group of Zug www.etgz.ch

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• • C O N TA C T S A N D C A L E N D A R • •

Emergency contacts and calendar Emergency numbers Police | 117 • Fire | 118 • Ambulance | 144 • Air ambulance (Rega) | 1414 • Poison emergencies | 145 • Emergency road service | 140 • Child/youth help | 147 Each canton also has an emergency pharmacy. Visit www.sos-apotheke.ch for contact information. Public holidays Public holidays in Switzerland are taken very seriously, with almost all shops and public institutions closed. If a public holiday falls on a Tuesday or a Thursday, workers commonly take either the Monday or Friday off too, for a long weekend. 2010 1 January: New Year’s Day 2 January*: Berchtold’s Day 2 April*: Good Friday (Karfreitag) 5 April*: Easter Monday (Ostermontag) 13 May*: Ascension (Auffahrt) 24 May*: Whit Monday (Pfingstmontag) 1 August: Swiss National Day (Bundesfeier) 1 November: All Saints 8 December: Immaculate Conception 25 December: Christmas Day (Weihnachten) 26 December: Boxing Day (Stephenstag) * These dates are only observed in some cantons (districts) of Switzerland, and there are additional regional holidays which are observed in only certain cantons.

Swiss National Day Every year on 1 August, Switzerland celebrates the founding of the Swiss Confederation in 1291. Each Swiss commune offers a day of federal unity with firework displays, concerts, public speeches or presentations. Thousands of people attend festivities in the largest cities (Zurich, Basel, Geneva, Bern and Lugano). The main celebrations take place at the Rhine Falls near Schaffhausen and at the Ruetli Meadows alongside Lake Lucerne.

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•• INDEX ••

Advertisers index

O Off the shelf . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 Orange Communications SA . . . . . . . . . . . . . . . . 50

Pisler, Furniture Rental. . . . . . . . . . . . . . . . . . . . . . . . . 7 Practical Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41

Active Relocation AG. . . . . . . . . . . . . . . . . . . . . . . . . . 6 Autociel. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 52

R RE/MAX 100. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14

B Benedict-Schule Basel. . . . . . . . . . . . . . . . . . . . . . . . 32 BNP Paribas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 BUPA International . . . . . . . . . . . . . . . . . . . . . . . . . . . 20

Cabinet Conseils CVarotsis. . . . . . . . . . . . . . . . . . . 23 Cosmodent. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Sandler Training . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . SARA Swiss Association of Relocation Agents . . . . . . . . . . . . . . . . . . . . . . . . SBS Swiss Business School . . . . . . . . . . . . . . . . . . . Sprachschule Waelchli. . . . . . . . . . . . . . . . . . . . . . . . Strathclyde University . . . . . . . . . . . . . . . . . . . . . . . . Swiss International School North/West. . . . . . .

Dental Practice Zug. . . . . . . . . . . . . . . . . . . . . . . . . . . 46

34 12 28 33 26 38

Welti-Furrer AG . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

E Eurocentre. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Expat Marketplace. . . . . . . . . . . . . . . . . . . . . . . . . . . . 57

NEED MORE GUIDES? The Expat Survival Guide will be distributed this year to over 10,000 expats in Switzerland through embassies, international companies and organisations, expat clubs and expat housing and relocation companies.

Forth Capital. . . . . . . . . . . . . . . . . . inside back cover

G Gorilla Golf . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 GSS Geneva Secondary School . . . . . . . . . . . . . . 36

H Henri Harsch HH AG. . . . . . . . . . inside front cover Holmesplace Health Club Zürich. . . . . . . . . . . . . 44

I Integra. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 ISW International School Winterthur. . . . . . . . 37

L Le Bosquet. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35 Laureate Online Education. . . . . . . . . . . . . . . . . . . 30

M Moessner Family Relocation. . . . . . . . . . . . . . . . . . 10

ZIWC Zug International Woman’s Club. . . . . . . 57

If you are involved in managing expats (maybe you are an international HR Manager) or through your company or organisation come into frequent contact with expats who would find this guide useful, please contact Ken Reist at ken.reist@expatica.com to order the guides. You can order as many guides you feel necessary, for free, and delivery is also free within Switzerland (otherwise we ask that you simply cover the postage costs). If you run a bookshop, cafe, bar or restaurant popular with expats and would like to distribute the free Expat Survival Guide to your customers, please email ken.reist@expatica. com for details.

NVC Neutrales Versicherungs-Center AG. . . . 59

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