Hello Switzerland Issue 3/2019

issue 3/2019 helloswitzerland.com Presenting Partner:

ENCHANTING WINE TRAILS

ber one The num e and g ­knowled source ion inspirat erland’s z for Swit tional interna ity n commu

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Dear readers, This autumn discover more about Swiss wine with our off-the-beaten path wine trail suggestions. If you have not witnessed an alpine descent yet, make sure not to miss one. Alpine descents are an ancient tradition that sheds light on Switzerland’s deeply traditional culture.

The adventure of a lifetime THIS IS HELLO SWITZERLAND

Santé!

Irina Ghita, Editor

We are Hello Switzerland

Irina Ghita

Cover photo: On the Mendrisiotto Bike‘n Wine trail © Switzerland Tourism/ Giglio Pasqua

Tonje Schou Teigland

Lukas Hayoz

Lina Vollmar

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FEATURED PARTNER: DISCOVER SWITZERLAND

ENCHANTING SWISS WINE TRAILS DISCOVER THREE OFF-THE-BEATEN PATH TRAILS FOR WINE LOVERS

Provided by: Switzerland Tourism Photo credits: © Switzerland Tourism for Mont Vully & Weinfelden, © Switzerland Tourism/ Giglio Pasqua for Mendrisiotto Bike‘n Wine

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When it comes to wine, the regions of Valais and Vaud are without a doubt Switzerland’s biggest producers. You may not know it, but passionate wine makers and flourishing vineyards can be found throughout Switzerland, particularly in Ticino, but also in the German part of Switzerland. Here are our top picks for some off-the-beaten path, yet absolutely lovely wine trails.

In the photo, Mendrisiotto Bike‘n Wine Photo credits: © Switzerland Tourism/ Giglio Pasqua 6

TRAVEL INSPIRATION

The regions of Fribourg and Thurgau are not widely known for their wine, yet they produce excellent, internationally renowned wines. Diversity is quite impressive when it comes to Swiss wine types and grape sorts.

We can roughly say that the region of Vully/ Lake Murten produces mostly white wines (Chasselas type), while the cantons of Thurgau and Ticino are mostly focused on red wines (Pinot Noir in Thurgau and Merlot in Ticino).

1 Mont Vully – Lake Murten Wine Trail: Wines made from grapes grown on the northern shore of Lake Murten have international fame.

Discover the stunning views over Lake Murten from the nearby Mont Vully, while exploring more about the region’s wine tradition.

The varied circular trail starts at Môtier, on the shore of Lake Murten, and continues up to Praz. It traverses the vineyards on Mont Vully and leads to the tunnels of the former infantry fortifications cut into sandstone.

Must see: the caves of La Lamberta: a 200-meter tunnel network excavated from the sandstone in 1916/17 during World War I.

bit.ly/HelloMurtenVineyards

2 Weinfelden Wine Trail: Between Zurich and Bodensee (Lake Konstanz) lies the canton of Thurgau, known more for its orchards and strawberries, than for its rich wine growing tradition, dating from Roman times.

World-class wines are made in Thurgau and during this lovely 2h hike you will get to sample some of them.

Take in the fabulous views over the Alps, enjoy the peaceful vineyards and sample local food and wine along the way.

Must see: Bachtobel Castle and Estate. The castle dates from the 16th century and it is now the center of the estate producing some fine Thurgau wines.

bit.ly/HelloWeinfeldenVineyards

3 Mendrisiotto Bike’n Wine: Mendrisiotto is often called the ‘Tuscany of Switzerland’ and has a typical Ticinese charm, imbued with Italian flavor.

This lovely bike tour will take you from the town of Balerna, across typical Mendrisiotto vineyards and then back again to Balerna.

Your guide will arrange several tastings of typical Merlot wines from the region and you can also sample local foods.

There are only 2 dates available for the tour this year, make sure you book your spot: 14 September and 26 October.

bit.ly/HelloBikenWine

Discover more spectacular wine experiences throughout Switzerland on MySwitzerland.com/autumn Use this website in English to plan your perfect autumn outing: MySwitzerland.com/expats For more travel infos and tips throughout Switzerland, please get in touch with expats@switzerland.com or phone 0800 100 200 TRAVEL INSPIRATION

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Grape Harvest Festivals September is dedicated to grape harvest festivals all over Switzerland.

In the German part of Switzerland they are called ‘Lässet Suuntig’ or ‘Räbebeizli’. In the French part they are either ‘Fetes des Vendanges’ or ‘Fete des Vignerons’. Essentially they all mean the same thing, a smashing good time celebrating the grape harvest, good food and most of all, excellent wine.

8 - 9 September

Lässet Sunntig / Grape harvest feast Spiez, Bern

A traditional autumn fair in one of the most beautiful and scenic mountain towns. Spiez also boasts a beautiful castle, with amazing views on Lake Thun.

bit.ly/HelloSpiez2019 14 September

Cornalin

Crans-Montana, Valais

The Temps du Cornalin annual event celebrates Valais’s oldest and most prestigious red wine. The small village of Flanthey, home of Cornalin, invites you to come along and spend the day discovering local wines and products.

bit.ly/HelloCornalin2019 14 September

Fête du Raisin Fechy, Vaud

If you appreciate the local Fechy wine, then you will love this. There are stands, wine-tasting sessions, local craftsmen, music animations and loads of stuff for children.

bit.ly/HelloFechy2019 14 –15 September

Fête des Vendanges Russin, Geneva

20 – 21 September

Varen wine festival Varen, Valais

The Varen wine festival offers much for the eyes, but also much for the palate! Taste a glass of wine while having a friendly conversation with Varner vintners – all while trying the various wines and specialities of the Valais.

Pure and simple: the Varen wine festival offers fun and enjoyment!

27 – 29 September

Grape Harvest Festival Lutry, Vaud

Lässet Sunntige/ Grape harvest feasts

Every year, during the month of September, the old town of Lutry turns into a festival venue to mark the end of the grape harvest: the cellars open, the canteens unfold their banners and the village prepares to live three days of madness, the Fête des Vendanges (grape harvest festival), the last one in the Canton of Vaud!

Erlach, Biel/ Bienne

bit.ly/HelloLutry2019

bit.ly/HelloVaren2019 21 – 22 and 28 – 29 September

Use this local festival to discover Erlach, an absolutely charming village on the shore of Lake Biel/ Bienne. What you can expect: open wine cellars, fondue, raclette, music, parades, a market with local crafts.

bit.ly/HelloErlach2019 22, 29 September and also 6, 13 and 20 October

Twanner Räbebeizli/ Grape harvest feast Twann, Bern

We love this charming village with stunning views on Lake Biel. If you add good local wine to it and a spot of raclette, this will be heaven!

bit.ly/HelloTwann2019

Taste test a range of exquisite wine varieties in a stunning setting.

The festival is now in its 57th edition!

Throughout the weekend, many activities are planned in the streets and stands. Discover culinary specialities and a selection of quality Geneva wines.

27 – 29 September

bit.ly/HelloRussin2019

bit.ly/HelloNeuchatel2019

Fête des Vendanges/ Grape Harvest Festival Neuchatel

This is probably the biggest grape harvest festival in Switzerland. Don’t miss it.

27 – 29 September

Sagra del Borgo Mendrisio, Ticino

The town of Mendrisio and the surrounding area has more vineyards than anywhere else in the entire canton of Ticino and is renowned for its excellent food and wine. A ‘Sagra’ is a local festival held to celebrate a patron saint or the harvest, while also promoting good local food and wine.

bit.ly/HelloSagra2019 11 – 13 October

Grape harvest festival Cheyres, Fribourg

The high point of these festivities is undoubtedly the colourful and noisy parade of floats through the village, featuring brass bands and “guggenmusik“ groups. Once the procession is over, the local winemakers will perform the traditional first pressing of the grapes.

bit.ly/HelloCheyres2019

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LIVING WELL

Alpine Descents Alpine descents, whether they are called Alpabzug, Désalpe or S-chargiada, are a huge thing in Switzerland, a testimony of the deeply rooted traditional background of Swiss people. The cows come back from Alpine pastures for the winter and this is cause for celebration. For those of you looking to get know the real Switzerland, this is as real as it gets.

28 September

Désalpe d’Etivaz Etivaz, Vaud

Known for its cheese, the Pays d’Enhaut village of Etivaz honours this tradition every year with an entertaining day showcasing local products.

bit.ly/HelloEtivaz2019 28 September

Désalpe in St-Cergue St. Cergue, Jura Vaudois

A few minutes from Nyon and Lake Geneva, the village of Saint-Cergue is a gateway to the Jura Vaudois Regional Nature Park. Dominated by the Dôle (1677m), the fir forests, valleys and clearings offer breathtaking views of Lake Geneva, the Alps and the Jura.

Berner Oberland and view of mountains

bit.ly/HelloStCergue2019 Désalpe, Charmey Photo credit: © Switzerland Tourism

14 September

14 September

Müstair, Graubünden

Val d’Anniviers, Valais

The best milk cows will be decorated and welcomed by villagers. Be there around 12:00 – 13:00 for the cow procession.

Cattle processions will take place in several villages in the Anniviers Valley.

Traditional events, food and musical entertainment are staged to celebrate the cows of the special Herens breed with their beautiful floral adornments as they return to the fold.

S-chargiada d‘Alp

Désalpes

bit.ly/HelloSchargiada2019 14 September

Grand Désalpe Mixte

bit.ly/HelloAnniviers2019

Caux, Vaud

Désalpe, Val D‘Anniviers Photo credit: © Switzerland Tourism

28 September

Near Montreux, the small village of Caux will put on a show for the descent of the animals from mountain pastures.

Yodelling, Alphorn, demonstrations with animals, artisans’ market, entertainment for children and food stands will complete the event. ‘Mixed’ means both cattle and sheep will ‘star’ in the processions.

16 September

Sheep fair and Désalpe

Alpine cow procession with market

Jaun, Gruyère

Engelberg, Obwalden

Not as well known as the alpine festival in Charmey, but equally charming, this descent will focus on sheep, not cattle.

bit.ly/HelloCaux2019

bit.ly/HelloJaun2019

In the autumn, the slopes around Engelberg and the 3,238m high Titlis glacier are transformed into catwalks.

Or should we say cattle-walks?

bit.ly/HelloEngelberg2019

28 September

28 September

Désalpe

Entlebuch Alpine Fest

Charmey, Gruyère

Schüpfheim, Lucerne

Charmey’s crowning event of the year, has acquired international renown.

Witness the “Rindyà” , a quintessential mountain tradition (in local dialect it means giving back the sheep to their owners).

The Entlebuch UNESCO Biosphere is known as ‘the Wild West’ of Switzerland, thanks to its particular craggy landscape. This Alpine fest takes place in Schüpfheim, a beautiful village part of the UNESCO Biosphere.

bit.ly/HelloCharmey2019

bit.ly/HelloSchüpfheim2019

Shepherd from Fribourg, Photo credit: ©Fribourg Region/ Sandra Mumprecht

EVENTS September 2019 5 – 21 September

13 September

21 – 22 September

Lucerne

Bern

Ballenberg Open air museum, Brienz

Live music, authentic food and snappy servers let you experience Bavarian hospitality firsthand. Enjoy “Wiesn-Gaudi” in the big beer tent that hosts over 1400 guests.

Don’t miss this chance to see one of the greatest pianists in history. Martha Argerich will play pieces from Ravel, Beethoven and Haydn.

The Ballenberg Open Air Museum hosts the quintessential traditional Switzerland, with traditional houses and crafts. There are loads of live demonstrations and also farm animals, so we are sure all kids will love it. The autumn market features homemade products and handicraft demonstrations (pottery making, horsehair braiding, weaving). Especially for this event, the wine press, the cider press and the schnapps distillery will be put to use.

Lucerne Oktoberfest

bit.ly/HelloOktoberfestLucerne2019 6 – 8 September

Equissima® Lausanne

Equissima® Lausanne aims to bring together the best athletes of the main equestrian disciplines (dressage, show jumping, eventing, horse teams and aerobatics) during a weekend in one single site. A unique show in Switzerland which allows exchanges as well as conviviality around one star: the horse.

bit.ly/HelloEquissima2019 8 September

Shepherd Festival Zermatt

The award ceremony for the bestlooking Valais black-nose sheep and for the Shepherd of the Year, which will be elected the day before, will take place during this traditional Shepherd Festival.

A varied festive program for young and old is guaranteed. Have you seen these beauties? They are absolutely gorgeous and choosing the best looking one will be tough!

bit.ly/HelloBlacknose2019 12 – 22 September

Semaine du Goût

Martha Argerich Piano Concert

bit.ly/HelloMartha2019 14 September

Gourmet Walk Romont, Fribourg

Discover the beautiful region of Glane around the village of Le Châtelard and enjoy 6 exquisite courses in 6 different locations.

Autumn market

bit.ly/HelloBallenberg2019

bit.ly/HelloGourmetWalk2019

21 – 23 September

15 September

Comptoir Suisse, Lausanne

Ovronnaz, Valais

If you’re passionate about drones, here’s where to meet and compete with fellow drone aficionados.

Fromage & Cime For one day, the village of Ovronnaz becomes the capital of cheese in Valais.

Come and savour the best Raclette in Switzerland, combined with typical Valais wines.

bit.ly/HelloFromage2019 20 - 21 September

Country Night Gstaad Gstaad

Country music stars Rosanne Cash, Joe Nichols, Asleep at the Wheel and newcomer Ashley McBryde play on Friday 20 and Saturday 21 September 2019 on the Gstaad festival stage.

bit.ly/HelloCountryGstaad2019 20 – 22 September

Swiss Drone League

bit.ly/HelloDrones2019 26 September – 6 October

Zurich Film Festival Zurich

In three international competitions (“International Feature”, “International Documentary Film”, and “Focus Switzerland, Germany, Austria”), young filmmakers compete for the main prize, the Golden Eye. This is a chance to see some fresh and impressive European productions.

bit.ly/HelloZFF2019 27 – 29 September

Fete de la Brocante

Various locations in Switzerland

Laver Cup

Le Landeron, Biel/ Bienne

A celebration of slow food, regional products and the pleasure of taste. The event takes place in various places in Switzerland, but the focus this year is Montreux (Vaud), which has been selected as 2019’s Ville du Goût.

Palexpo, Geneva

Switzerland’s largest open-air antiques and flea market is held in this charming lake side village.

bit.lyHelloGout2019

bit.ly/HelloLaverCup2019

The Laver Cup is a three-day tournament pitting a team of six of the best men’s tennis players from Europe against six of their counterparts from the rest of the World.

Discover more exciting events on www.helloswitzerland.ch/events

bit.ly/HelloBrocante2019 29 September

Traditional cow fights Martigny Foire du Valais

Not bull fights, but cow fights. The Swiss version of the corrida is definitely friendlier.

bit.ly/HelloCowfights2019

THE LOVELIEST SEASON OF ALL... VALAIS! Discover the best experiences in this spectacular region

Provided by Valais/Wallis Promotion Photo caption: Biking in Valais Photo credits: © Valais/Wallis Promotion - David Carlier

With nearly 300 days of sunshine a year, majestic mountain peaks more than 4,000 metres high, pristine natural landscapes, a wealth of adventures for activity enthusiasts, a cuisine rich in local flavour, facilities designed for families, Valais is a magnificent destination.

Here are the top 10 experiences that will unravel the best of this breath-taking region:

5. Take a vineyard tour Visit a winemaker at a vineyard or cellar and taste some wines.

The vineyards of Valais offer magnificent walks.

1. Hike with a Saint Bernard dog The Saint Bernard is the emblem of Valais. Try the Great St. Bernard Pass or in Barryland in Martigny.

6. Taste the local dishes Try a delicious local dish like the traditional Raclette or Assiette Valaisanne.

2. Visit a beautiful traditional village Explore Plan-Cerisier, Grimentz or Ernen, voted one of “Switzerland’s most beautiful villages”.

7. Go for a walk along a historical “bisse” irrigation channel Centuries old and characteristic to Valais, you will find numerous footpaths following many of them, from strolls over shallow slopes to spectacular walks across vertiginous cliffs.

3. Take it slow Relax in an excellent thermal bath at Ovronnaz, Leukerbad, Brigerbad, Saillon or Val d’Illiez.

4. Admire the crystal-clear waters of a mountain lake The lakes of Moiry, Champex, Derborence, Blauseeli, Schwarzsee, Salanfe, Taney, Riffelsee and many more each have their own colours and special atmosphere.

8. Set your sights high Go cycling on a mountain pass.

Valais is home to some of the most impressive mountain passes: Furka Pass, Grand St. Bernhard, Forclaz, Grimsel, or the lesser known but spectacular Sanetsch.

9. Admire a glacier The pristine Valais glaciers offer an unparalleled natural spectacle, which is why they have been designated as part of the UNESCO World Heritage.

10. Tackle a via ferrata Valais is home to more hotspots for climbers and adventurers than anywhere else in Switzerland. Check out the Alpine gorge near Saas Fee or the Gorner gorge near Zermatt.

Discover more amazing experiences on www.visitvalais.ch

TRAVEL INSPIRATION

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HEALTH INSURANCE IN EASY STEPS

Which health insurance is the right one for your needs?

Provided by: Monika Courts, EGK – Gesundheitskasse Branch Manager

Health insurance is mandatory in Switzerland. Within 3 months of your arrival in Switzerland, you will be asked to provide proof that you have health insurance coverage.

You therefore have 3 months to decide.

Once you sign the contract, you will only be able to change your insurance provider once a year (November 30 of next year), provided you give one months’ notice.

Mandatory basic health insurance Mandatory basic health insurance provided by all health insurers covers exactly the same benefits. However, they differ greatly in terms of quality of service.

The cost of the insurance is influenced by the amount of franchise deductible you are willing to pay. Do you often have health problems? Then you might want to go for a low franchise and a high insurance premium. In case something happens to you, your insurer will cover all costs above the franchise deductible.

In addition to mandatory insurance, you will have to take into account supplementary insurance which might allow you access to a wider range of treatments, like complementary medicine, psychotherapy or even massage.

18

LIVING WELL

Before you carefully select your health insurance provider, here are some key things to consider: • Is there client service available in English?

• How long will it take for hospitalization coverage to begin? What is the coverage limited to?

• Is all prescribed medication covered up to 90% of the costs, or are there restrictions?

• Are there restrictions on hospitalization outside the canton of residence?

• What is covered whilst travelling abroad?

• Are emergency ambulance costs covered?

• Which costs are covered for dental care due to an accident?

• Are extra charges likely to be incurred?

If so, what are they?

• What costs are included for spectacles and contact lenses?

• Is there a waiting period for special care, maternity or other?

• What specific treatments does this policy exclude?

The most suitable insurance solution for you is best found in a personal conversation, whether it concerns the appropriate form of basic insurance or supplementary insurance with which you want to get the best protection possible.

If you are looking to better understand the Swiss health care system and select the best insurance for your needs, it is highly recommended to contact a professional insurance advisor. With 100 years of insurance experience, EGK – Gesundheitskasse is one of the most reliable health insurance companies in Switzerland.

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To read more please visit this page:

bit.ly/HelloEGK-Gesundsheitkasse

EVENTS October/November 2019 6 October

18 – 20 October

26 October

Lake Morat, Fribourg

Romainmôtier, Vaud

Thun, Bern

In 1746, the Swiss Confederates won a brilliant victory over Charles the Bold in Murten. According to the legend, a harbinger ran from Murten to Fribourg with the branch of a limetree in his hand to announce the Swiss victory. That event is commemorated every autumn with a race that attracts thousands of runners from all around the world.

Also known as ‘Les Sonnailles’, this is a traditional ‘desalpe’, but with (cow) bells on. The cow bell artisans will proudly display their work and you can choose your own. Be well aware that the cow bell is not just a simple bell, it is a symbol of seasonal change, held in high regard all over Switzerland. This is also a very good excuse to see the charming village of Romainmôtier, which is a member of the ‘Most beautiful villages in Switzerland’.

Experience superb performances that celebrate the cultural diversity of the region.

Morat – Fribourg Race

bit.ly/HelloMoratRace2019 12 October

Chestnut Festival Ascona, Ticino

“Castagnatas” (chestnut festivals) are celebrated throughout Ticino in October.

The Chestnut Festival in Ascona is one of the most popular ones. Visitors are invited to taste over 2000 kg of chestnuts roasted on the fire as well as various chestnutbased delicacies.

bit.ly/HelloChestnutsAscona2019 12 – 31 October

Baloise Session Basel

A unique music festival, where you can get closer to the stars than at any other music event. Seated in the elegant clublike setting at round, candlelit tables, you will be just a few metres away from the stage. The line-up is usually exquisite.

bit.ly/HelloBaloiseSession2019 17 – 28 October

Shnit Shortfilmfestival Berne

Shnit International Shortfilmfestival is part of a worldwide festival. It takes place in 8 locations spread throughout the world.

Bern is the lucky host city in Europe.

bit.ly/HelloShnit2019 17 October – 2 November

Oktoberfest Winterthur

Have a beer and enjoy the fun and traditional atmosphere at the Reithalle in Winterthur.

bit.ly/HelloOktoberfestWinterthur2019

Autumn fair and cowbell market

bit.ly/HelloSonnailles2019

Thuner Kulturnacht

bit.ly/HelloThun2019 26 October

Bonvillars Truffle Market Bonvillars, Vaud

On the last Saturday in October, the village of Bonvillars near Lake Neuchâtel holds the number one truffle market in Switzerland. A must for all foodies!

bit.ly/HelloTruffle2019

18 – 20 October

Benichon

Chatel St. Denis, Fribourg

The “Bénichon” (blessing) is a traditional popular and gastronomical festival that commemorates the end of the harvest, much like Thanksgiving. It takes place in numerous places in the French part of Switzerland and it’s your chance to try some typical Bénichon foods: the ‘Cuchaule’ bread, the saffron mustard, lamb stew with grapes, caramelised pears or smoked ham among many others.

bit.ly/HelloBenichon2019 19 – 27 October

Swiss Indoors Basel

This is the biggest national sports event and one of the most important indoor tennis tournaments in the world.

It always brings together the tennis world elite.

bit.ly/HelloSwissIndoors2019 25 October - 13 December

Raclette & Fondue Cruise Lake Lucerne

Say cheese! Good food and great vibes make for a fantastic combination on this jovial evening cruise that showcases the very best of Swiss cuisine. Bring your friends and enjoy the fantastic views that only Lake Lucerne can offer in the late autumn and early winter.

bit.ly/HelloCruise2019

27 October

SwissCityMarathon Lucerne

Another beautiful stretch to run along, the stunning Lake Lucerne.

bit.ly/HelloLucerneMarathon2019 30 October – 3 November

Gastronomy Fair Goûts & Terroirs Bulle, Gruyère

Calling all gourmets, this one is not to be missed! With hundreds of exhibitors, this huge fair is meant to promote authentic, regional cuisine. What you can expect to find there: numerous local producers, regional restaurants with local dishes to try, demonstrations from prominent chefs and even a children’s area with hands on displays and workshops.

bit.ly/HelloGoutTerroirs2019 30 October – 3 November

JazzOnze Festival Lausanne

An exquisite jazz festival. Top international acts will perform live at the Montbenon casino!

bit.ly/HelloJazzOnze2019

Discover more exciting events on www.helloswitzerland.ch/events

FEATURED PARTNER: LANGUAGE COURSES

THE BERLITZ METHOD® Speak with confidence The Berlitz Method® is one of the most effective ways to learn a new language successfully and enjoyably since 1878.

No matter how old or young, whether it’s for private or professional purposes language students all over the world love it. This intuitive and conversational style of teaching has not only revolutionized language instruction but has become the industry standard for language acquisition and remains at the core of Berlitz’ teaching approach.

Key aspects of the Berlitz Method® 1. Full immersion in the language one desires to learn 2. Tailor made course content based on your personal goals and background 3. High percentage of speaking time in order to absorb the language and reduce inhibitions 4. Targeted learning, as Berlitz trainers find a suitable balance between improving your fluency and developing your accuracy of expression 5. Intuitive grammar: instead of focusing

on grammar worksheets, Berlitz trainers instill an intuitive sense of your targeted language’s grammar through speaking 6. Appropriate learning: Berlitz trainers use the tools that correspond to the way you learn best, significantly boosting your ability to improve upon your language skills

Free trial lessons Try out your desired language without obligation and meet like-minded people who want to learn languages together at Berlitz’ “all-you-can-speak” trial lessons. The offer is valid for different target languages with guaranteed fun and success.

Top language instructors Berlitz only succeeds when you succeed.

Rest assured that when you sign up for Berlitz language classes, the trainers are the cream of the crop, working with materials designed to maximize your learning experience.

Guaranteed goal achievement Thanks to the patented Berlitz method® your language learning goals will be accurately set and expertly met.

Tailor-made options From individual to group classes, from face to face to cyber learning, Berlitz offers a wide range of flexible options catering to the needs of the busiest professionals, but also to those with more time to spare for effective language training.

GET CONNECTED WITH LANGUAGE PROFESSIONALS: Roxana Schwickert, Center Director, and her team of professional language instructors at Berlitz will help you find the most effective type of language instruction to significantly and rapidly boost your language skills.

Boost your language skills Sign up for effective language training +41 58 356 17 77 (regular rates)

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helpline@helloswitzerland.ch helloswitzerland.ch/sign-up-language-course

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PERSONAL DEVELOPMENT

Speak with confidence

Arrange a free consultation appointment and take advantage of the

5%

HELLO SWITZERLAND DISCOUNT

Find out more by scanning the QR code on the adjacent page or by contacting Hello Switzerland at +41 58 356 17 77 or helpline@helloswitzerland.ch

Berlitz is one of the leading providers of language training in the world and the Berlitz Method , developed in 1878 and continuously improved since then, is one of the most successful methods when it comes to learning and understanding languages.

Basel • Bern • Geneva • Lausanne • Zug • Zurich 21

FEATURED PARTNER: BANKING SERVICES

SWISS REAL ESTATE MARKET IN 2019 Buying currently costs less than renting

Buying a home is cheaper than renting in many places thanks to low mortgage interest rates, as illustrated by the 2019 Credit Suisse real estate study.

Home ownership costs less, even when all the details are taken into account Whether it’s cheaper to buy or rent a home in your personal situation also depends on many other factors.

These include your tax situation and opportunity costs, i.e. alternative ways of investing your equity. The dangers of risk concentration and the risk of temporarily being unable to sell the property also need to be taken into account.

Should you rent or buy?

Owning your own home is more attractive than renting thanks to historically low mortgage interest rates.

rental cost of CHF 22,308. Interest costs are, of course, not the only costs that homeowners face. On top of this there are maintenance costs, for example.

The 2019 Credit Suisse real estate study compares the average rent for advertised 4½-room apartments with the interest costs for a condominium of the same size: At CHF 7,862 per year, the interest cost (five-year Fix mortgage) – assuming a loan-to-value ratio of 80% – is significantly lower than the annual

These average about one percent of the property’s value. All in all, this increases the cost of the condominium to CHF 15,362 per year. Nevertheless, that is still significantly less than the cost of renting.

Our calculator enables you to compare interest and maintenance costs on a condominium with the cost of renting.

By contrast, real estate creates income opportunities thanks to the long-term increase in the value of your property.

These factors nevertheless differ greatly depending on your personal situation and are not taken into account in the calculator.

In conclusion, what the 2019 real estate study clearly shows is that, even when all details are taken into account, buying a property in Switzerland often costs less than renting at the moment.

You can find more information at:

credit-suisse.com/realestatestudy

Legal Notice: The reader acknowledges that the information provided in this publication is only intended for distribution and use by persons who are residents of Switzerland. In particular, it is not directed at, or intended for distribution to or use by or for the offer or solicitation of any products or services directed to any person or entity who is a citizen or resident of or located in any jurisdiction where such distribution, publication, availability, use, offer or solicitation would be contrary to applicable law or regulation or which would subject Credit Suisse to any registration or licensing requirement within such jurisdiction. Credit Suisse will not treat readers of this publication as its clients by virtue of them accessing it.

Readers of this publication should seek the advice of their independent financial advisor prior to taking any investment decision on the basis of any information contained herein and no information herein constitutes general or specific investment, legal, tax or accounting advice of any kind, it is solely for marketing purposes. Copyright © Credit Suisse AG and/or its affiliates. All rights reserved.

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FINANCIAL ADVICE

FINANCIAL ADVICE

FEATURED PARTNER: EDUCATION

A PICTURE PAINTS A THOUSAND WORDS SIS Intercountry Activity 2019: What does a typical school day look like at SIS? Provided by: Marcel Stähli, CEO of SIS Swiss International Schools Schweiz AG All photos were taken on one designated day in each country. Photo composition (e.g. pattern, colour, symmetry), as well as if the photo reflected a typical day, were taken into account when selecting the final photos.

Photography Club at SIS Winterthur

Strong SIS Community This year’s SIS Swiss International School Activity saw the schools of SIS worldwide come alive with student photographers from kindergarten to secondary school aiming to get the best shot of their school for the photography book “A Day in the Life of SIS”.

Once per year, the SIS Group organises an event to strengthen the SIS international community by means of an activity.

This year, students created a visual time capsule of SIS after 20 years of education through a photography book.

Each school organised the activity in different ways, for example in some just one class was responsible, in others the cameras were passed from class to class throughout the day.

At SIS Winterthur, students prepared by means of an afterschool photography club where they were introduced to a range of different elements in photography, explains Larry Wood, principal of SIS Winterthur.

“The club met on a weekly basis so that the students had the chance to become familiar with digital cameras, lighting, perspective and editing,” says Larry Wood.

During the activity, the team of student photographers were excused from their formal lessons so they could photograph every aspect of the school day: early arrival, lessons, recess, lunch and evening supervision, explains the principal.

to the final product, which is aiming to be published this September. Events such as the intercountry activity strengthen SIS’ school community beyond national borders and celebrate its unique bilingual learning environment. In order to meet the needs of modern families and working parents, SIS offers a structured and challenging programme, including lunch, supervised homework hours, additional supervised periods and courses in the mornings, afternoons and during school holidays.

Discover SIS and the benefits of bilingual education for your child today!

GET CONNECTED WITH THE SIS TEAM OF EDUCATORS: Marcel Stähli is the new CEO of SIS Swiss International Schools Schweiz AG. SIS operates 16 bilingual, private day schools in Switzerland, Germany and Brazil with more than 3,800 students attending classes from kindergarten through to college.

Discovering Hidden Talents “This year’s intercountry activity really brought out a hidden talent in individual students and greatly raised their interest in photography,” emphasises Larry Wood.

The schools are eagerly looking forward

Direct access to the SIS team of educators Find out more about the benefits of bilingual education +41 58 356 17 77 (regular rates)

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EDUCATION

helpline@helloswitzerland.ch helloswitzerland.ch/get-info-about -bilingual-education

EXPERIENCE BERN AS A LOCAL For first time visitors Bern certainly appears as an impressive, peaceful and charming city. It may take some time for you to discover Bern’s understated hip-ness, but we have some excellent tips that will reveal Bern as the locals see it.

The river Aare is the soul of the city If you want to experience the real Bern, then you should head to the river Aare. From the start of summer until late autumn, the river is bustling with swimmers, paddle boats, BBQ aficionados and even surfers.

Swimming, or rather floating in this glacial river is one of the most exhilarating things you can ever experience. And by ‘glacial’ we actually mean ‘coming from glaciers’, as the source of the Aare is a glacier in the Bernese Alps. If you don’t feel like joining the locals for a swim or a boat ride

along the Aare, then grab a lounge chair at one of the lovely bars along the river and watch the happy parade of people heading to the Eicholz camping site in order to jump into the Aare and get off at the lovely Marzili public swimming pools.

Read more about this iconic river and why it makes Bern so special on: bit.ly/HelloAare

Locally made craft beer is on the rise The love of artisan brewed beer, or craft beer, is particularly strong in Bern: 176 breweries and microbreweries are registered in Bern, more than anywhere else in Switzerland. Fermenting and brewing happens everywhere in Bern, including in basements, garages, even in laundry rooms.

Here are some of our favorite places in Bern to enjoy an excellent locally made beer straight from the tap: 1.

Altes Tramdepot: smack in the Old center of Bern, with gorgeous views on the Aare, this place is all about beer and you can quickly see that from the huge copper vats placed in the center of the restaurant.

Find out more about Bern craft beer and where you can sample excellent beers on:

bit.ly/HelloBernBeer

2.

The Barbière: one of the trendiest pubs in a very hip neighbourhood, Breitsch (the Bernese short version of Breitenrein). Barbière has its own microbrewery and produces high-quality special beers and ales with influences from the Belgian, English and American brewing cultures.

3. In Lorraine, the artsy neighborhood, you will find Café Kairo. This culture hotspot with cult status includes offerings from small Swiss specialty breweries.

TRAVEL INSPIRATION

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BECOME A TCS MEMBER TCS (Touring Club of Switzerland): The best breakdown assistance in Switzerland and much more.

TCS is Switzerland’s number 1 mobility club, counting more than 1.5 million members. As a TCS member, you benefit from first-class breakdown assistance, as well as many additional benefits and services.You will also support TCS long - standing commitment to traffic education and accident prevention. Enjoy the following benefits as a TCS member:

The best breakdown assistance in Switzerland

TCS helps you no matter how you are out and about.

TCS patrolmen do everything they can to get you back on the road as quickly as possible after a breakdown.

If this is not possible, TCS will transport your car to your preferred garage and ensure that you and your passengers arrive at your destination.

Help, protection and advice

Unlike insurance companies, TCS protects people, not vehicles.

TCS commitment as a club to its members is to offer help, protection and advice quickly and at any time.

However you are traveling, TCS is always by your side, making sure you and your family are safe on the road and can safely reach your destination.

In 8 out of 10 cases, TCS will repair the damage on the spot, no matter if you are travelling in your own car, a borrowed one or a rental car.

You can also count on TCS assistance if you have a breakdown with a motorbike, scooter or bikes and e-bikes.

TCS will cover your transport or hotel costs if you can no longer get to your destination on the same day because of a delay or cancellation in public transport.

TCS will cover your transport or hotel costs if your outward, return or onward journey to your destination in Switzerland is not possible due to bad weather on the day of travel.

Your membership will be worth it, right from the start. In addition to these perks, you will benefit from significant mobility and leisure discounts. Scan the QR code below and find out what other advantages are included.

Request TCS membership 30% off Become a member of Switzerland’s #1 mobility club +41 58 356 17 77 (regular rates)

@

helpline@helloswitzerland.ch helloswitzerland.ch/tcs

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SAFE TRAVELS

Always by your side

Hello Switzerland exclusive deal: TCS membership at

30%

HELLO SWITZERLAND DISCOUNT

TCS membership for couples and families CHF 97 per year with the Hello Switzerland exclusive deal instead of CHF 139

TCS membership for individuals CHF 65 per year with the Hello Switzerland exclusive deal instead of CHF 93

FEATURED PARTNER: RELOCATION

LEAVING SWITZERLAND Essential things to consider when it’s time to leave Switzerland Provided by: Carole Javet, Head of Relocation Services at Packimpex Deregister one step at a time. Check your contracts with each service provider, as each might have different notice periods and also different ways in which you can deregister.

Consider temporary accommodation.

Your household goods will probably be shipped before you leave. If you can’t stay with friends, then temporary accommodation is an excellent solution.

If possible, keep a Swiss bank account open. The return of the security deposit can take up to 1 year and some landlords or real estate agencies can be reluctant to transfer the money to a non-Swiss account.

Avoid a bumpy ride with these tips from relocation experts.

From ending utilities and insurance contracts, handling the end cleaning of your apartment, selling your vehicle, deregistering from schools and other authorities – leaving Switzerland is a race against time and a logistical roller coaster.

Here is some wisdom from experienced relocation expert Carole Javet to help you manage the complexities of this endeavor.

Once you know you are leaving, here is what you need to do: Check your lease contract. Make sure you respect the appropriate notice period as stated in your contract. If you have to leave earlier than that, you will be responsible to find a new tenant, which means advertising the apartment and organizing viewings.

Handle the admin. The most important document you will need to prepare as a first step is a written notice signed by all tenants mentioned in the lease contract.

This notice needs to be sent to your landlord by registered post and in due time.

Things don’t end at the handover.

Keep your third-party liability insurance active until after the end of the lease contract, since you remain responsible for any damage occurring to the property up to that date.

Plan to the minute. You will need to coordinate the movers and the cleaning company, while also taking into account various repairs that might need to happen.

Use a professional cleaning company.

Look for one with a “fixed price guarantee” upon successful handover.

Allow plenty of time for the handover.

Giving back your apartment does not simply mean returning the keys. It is in fact a thorough inspection of the apartment, for which you should allow plenty of time.

GET CONNECTED WITH DEPARTURE SUPPORT EXPERTS Carole Javet is Head of Relocation Services at Packimpex. Carole and her team of relocation experts are here to assist you in all aspects related to your departure from Switzerland.

Know your rights. Even if damages may be noted, know that normal depreciation has to be taken into account.

Leave Switzerland hassle-free Book dependable departure services by Packimpex +41 58 356 17 77 (regular rates)

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RELOCATION

helpline@helloswitzerland.ch helloswitzerland.ch/departures-from -switzerland

Relax, it’s all taken care of!

Break free from bureaucracy and ensure any claims addressed to you are handled fairly and in your best interest.

Relax while our relocation experts will terminate your lease contract, arrange for the apartment handback and the end cleaning, accompany you at the apartment handback, maximize your chance of getting your entire deposit back, deregister you on time from all necessary authorities, handle repairs and viewings and take on the responsibility of finding new tenants.

Contact Hello Switzerland for guidance and a comprehensive quote. The Packimpex departure packages are flexible and you can choose exactly the level of support you need.

FEATURED PARTNER: INSURANCE

ALL YOU NEED TO KNOW ABOUT RENTAL SECURITY DEPOSIT INSURANCE Don’t block your money in an expensive rental deposit The smarter alternative: rental deposit insurance

Once you arrive in Switzerland and secure a home, you will have to pay an expensive rental deposit for your flat. Is there a more cost-effective solution?

In Switzerland, many landlords ask for a rental deposit consisting of two to three months’ rent. This money remains blocked in the rental deposit account until you move out.

That is money that you would most likely prefer to put to better use, like buying furniture for your new home.

When you leave your home, there are often disputes with the landlords, who may find damages to the rental property and be unwilling to reimburse your deposit.

With an insurance solution, you can avoid conflicts of this sort, not to mention that it is less expensive. Instead of paying a deposit of CHF 3,000 you would pay a premium of CHF 126 per year, according to Helvetia’s online calculator.

In order to benefit from a rental deposit insurance, you will need to contract a personal liability insurance.

For the insurance company this guarantees that the costs of any damage to the rental property are covered.

Your insurance advisor from Helvetia will be able to conclude both types of insurance and minimize your time involvement.

Household contents insurance is also essential to ensure that your personal possessions are insured against damage or loss such as fire, water or theft.

Book a meeting with a professional insurance advisor A professional insurance partner can provide the right answers in a consultation, take the strain off you and support you with appropriate solutions.

For further details on these insurance solutions, we recommend you contact your customer advisors at Helvetia, Lidija TomicBabic and Andreas Zurschmitten.

These two experts can offer comprehensive advice on rental deposit insurance and many other matters relating to insurance and pensions

GET CONNECTED WITH SPECIALIZED INSURANCE ADVISERS FOR EXPATS: Helvetia boasts more than 80 agencies throughout Switzerland.

Contact Hello Switzerland and receive fast track access to insurance advisers in your region.

LIDIJA TOMIC-BABIC

ANDREAS ZURSCHMITTEN Helvetia Insurance has been one of Switzerland’s leading insurance companies for 160 years. Helvetia offers customized solutions for a wide variety of insurance needs including private pensions and occupational benefits, indemnity insurance and mortgages.

Direct access to specialized insurance advisers Expert consultancy for international residents in Switzerland +41 58 356 17 77 (regular rates)

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FINANCIAL ADVICE

helpline@helloswitzerland.ch helloswitzerland.ch/swiss-insurance -required-and-recommended

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