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1 Publication of the Swiss Canadian Chambers of Commerce Ontario and Quebec Publication des Chambres de Commerce Canado-Suisse de l Ontario et du Québec October/November octobre/novembre 2013 Feature/Reportage: Business Networking / Le réseautage d affaires

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3 FEATURE / REPORTAGE Business Networking / Le réseautage d affaires 4 Le réseautage d affaires 5 6 Tips on How to Get the Most Out of Business Networking 6 Effective Networking The 50 Best Business Apps Le réseautage : bien plus qu un échange de cartes d affaire! BUSINESS AND OTHER NEWS ACTUALITÉS ÉCONOMIQUES ET D AFFAIRES Publication of the Swiss Canadian Chambers of Commerce Ontario and Quebec Publication des Chambres de Commerce Canado-Suisse de l Ontario et du Québec 14 Tribeca Insights: Freedom 55 BlackBerry Version 16 The Employers Edge 16 Business News 17 Tax Implications of Transferring Property Among Family 19 Schwingen: From a Sawdust Ring to a Mega-Event 20 Karin s Performance Solutions: Do You Go Above and Beyond? 23 Travel News 28 Trade Fairs CONTENTS / INDICE CHAMBER NEWS INFORMATIONS DE VOTRE CHAMBRE 2 President s Message SCCC/Upcoming Events 3 Message du Président CCCS / Evénéments 9, 25 Nouveaux Membres CCCS 12, 15 SCCC New Members 13 Member Profile / Portrait d un Membre 16 Scholarship Fund 18 Quote of the Month 22 SCCC/CSCA Spousal/Partner Event at the Royal Canadian Yacht Club 22 Lancement de la nouvelle saison de la Chambre de commerce Canado-Suisse Québec 24 Member Travel Bulletin Board 28 SCCC Group Health Plan A Connected World Business Networking and Social Media Un monde interconnecté le réseautage d affaires et les médias sociaux

4 Swiss Canadian Chamber of Commerce (Ontario) Inc. 756 Royal York Road Toronto, Ontario M8Y 2T6 Tel: (416) Fax: (416) BOARD OF DIRECTORS President / Director: Ernst Notz Nacora 2 Hunter Avenue, Toronto ON M6E 2C8 Tel: (416) ernst.notz@rogers.com 1 st Vice-President/Director: Julien Favre UBS 154 University Avenue, Toronto ON M5H 3Z4 Tel: (416) julien.favre@ubs.com Website: 2 nd Vice-President/Director: Mirko Capodanno Switzerland Tourism 480 University Avenue, Suite 1500 Toronto, ON M5G 1V2 Tel: Cell: mirko.capodanno@switzerland.com Website: Treasurer/ Director: Monica Stevens-Wyss Trowbridge Professional Corporation 25 Adelaide St. E.; Suite 1400; Toronto, ON M5C 3A1 Phone: (416) ext monica.stevens@trowbridge.ca Website: Secretary & Legal Counsel: Bernard Lette Lette LLP 20 Queen Street West, #3300, P.O. Box 33, Toronto ON M5H 3R3 Tel: blette@lette.ca Website: Past President / Director: Philipp Gysling Mesh Innovations Inc. 174 Hallam Street, Toronto ON M6H 1X5 Tel: philipp.gysling@meshinnovations.com Website: Directors: Babette Baars Marché Restaurants Canada Ltd. 8 King Street East, Suite 838, Toronto, ON M5C 1B5 Tel: Cell: babette.baars@marche-int.com Website: Rudi Blatter Lindt & Spruengli (Canada) Inc. 181 University Avenue, Suite 900, Toronto ON M5H 3M7 Tel: (416) rblatter@lindt.com Website: Heidy Lawrance WeMakeBooks.ca 238 Willowdale Ave., North York ON M2N 4Z5 Tel: heidy@wemakebooks.ca Website: WeMakeBooks.ca Sandra Leuba RBC Wealth Management CINEBOXX Film & Television Inc. 136 Curzon Street, Toronto ON M4M 3B5 Tel: leubasandra@yahoo.ca Ronnie Miller Hoffmann-La Roche Ltd 2455 Meadowpine Boulevard, Mississauga ON L5N 6L7 Tel: ronnie.miller@roche.com Website: Christoph Oehy Swiss Reinsurance Company 150 King Street West, Toronto, ON M5H 1J9 Tel: christoph_oehy@swissre.com Website: Daniel Oehy Swissmar 35 East Beaver Creek Rd, Unit 6, Richmond Hill, ON L4B 1B3 Tel: danielo@swissmar.com Website: Urs Uhlmann Zurich 400 University Avenue, 25th Floor, Toronto ON M5G 1S7 Tel: (416) urs.uhlmann@zurich.com Website: Andrea von Moeller B2-125 The Queensway; Toronto ON M8Y 1H3 Tel: (416) andrea@2marketinternational.com Website: Honorary Director: Cornelia Camenzind Consulate General of Switzerland 154 University Avenue, Suite 601, Toronto ON M5H 3Y9 Tel: Website: Executive Assistant: Patricia Keller Schläpfer SCCC 756 Royal York Road, Toronto ON M8Y 2T6 Tel: (416) Fax: (416) sccc@swissbiz.ca Website: Typesetting and Assembly: Nancy corptype Printed by: J. B. Deschamps Dear Members, We are experiencing an interesting fall. While the leaves are changing here in Canada and life is generally peaceful despite the controversial debates in the Province of Quebec with regards to the charter of values, many interesting things are happening in the world. The atrocities in Syria, the political instability in Egypt and the way the superpowers are addressing the complex issues in the Middle East are interesting to follow. In Europe the debate between austerity and growth continues as a decision looms whether some suffering EU countries should get more debt relief. Germany, the financial backbone and a dominating country in the European Union held elections and as expected Angela Merkel remains the country s chancellor for a third term. When you read this message, votes are already done in Switzerland and the Swiss have confirmed among other topics that they want to keep the Swiss Army based on the militia system. Our home country succeeded again to be named number one as the most competitive and innovative country. On the other hand, the Swiss government is under some pressure: it has been seeking an agreement with the U.S. that would allow the banking industry to pay its way out of trouble; the banks that persuade clients to make disclosures before the planned program starts will get reduced fines. Already five years have gone by since black autumn and the U.S. subprime disaster. According to studies in a recent Globe and Mail article, the visible scars of the financial crisis are fading. Canada was spared the worst of the crisis where no banks failed even though some needed short-term support. But overall, Canada s banking system became a good example of healthy bank practices around the world. The solid banking regulations and the willingness by the Canadian government and businesses to work together to react decisively and creatively, maintained the industry through this rocky period. This month s publication is about business networking. You will find some helpful tips on how to get most out of these gatherings. Please see our schedule of events where you will be able to mingle with interesting people and discuss topics as mentioned above. I am looking forward to seeing you at these events. By the time of the next info suisse publication, the task force of the SCCC board in Toronto will report on the progress of our Chamber s future role and ways to further assist Swiss business interests. Yours sincerely, Ernst Notz, President 2013 COMING EVENTS November 16 Gala Dinner Dance at the King Edward Hotel December 10 Fondue Night at the Marché Further Information can be found on Dates above are subject to change 2 I NFO SUISSE

5 La Chambre de commerce canado-suisse (Québec) Inc. Swiss Canadian Chamber of Commerce (Quebec) Inc Avenue Docteur Penfield, Montréal, Qué. H3G 1C4 Tél: (514) Fax: (514) Web site: CONSEIL D ADMINISTRATION / BOARD OF DIRECTORS Président / President Mr. Jean Serge Grisé Directeur, Communications et Affaires publiques Fondation Lucie et André Chagnon Tel: , # Grisejs@fondationchagnon.org Secrétaire / Secretary Me Monica Schirdewahn Avocate / Lawyer Lette & Associés Tel: , # mschirdewahn@lette.ca Vice-présidents / Vice-Presidents Mr. Bruno Setz Consultant Tel: brunosetz@videotron.ca Mr. Olivier Rodriguez Gestionnaire de portefeuille Mirabaud Canada Inc. Tel: olivier.rodriguez@mirabaud.ca Trésorier / Treasurer Mr. Othmar Widmer Consultation Widmer Tel: widmer.aviation@gmail.com Directeurs / Directors M. Christian G. Dubois Conseiller de la Ville, Membre du Comité exécutif Tel: christiangdubois@ville-montreal.qc.ca Me Jean-Marc Ferland Avocat Ferland, Marois, Lanctot Tel: ferland@fml.ca Mr. Moritz Gruber Consultant Tel: mfgruber@live.ca Mme Marie-Josée Loiselle Présidente Nuno ID Tel: mariejo@nuno-id.com M. Jean-Aymeri de Magistris Directeur Ventes et Marketing Stambac International Tel : jmagistris@stambac.com M. Alex Volery Regional Service Manager Bobst North America Inc. Tel: alex.volery@bobst.com Mr. Paul Wieser PDG pour le Canada Busch Vacuum Technics Inc. Tel: pamawi@busch.ca Directeur honoraire / Honorary Director Mr. Beat Kaser Consul général de Suisse Tel: beat.kaser@eda.admin.ch Liaison au Consulat général de Suisse Mr. Paolo Bezzola Consul Tel: paolo.bezzola@eda.admin.ch Conseiller juridique / Legal Counsel Lette & Associés Tel: , # mschirdewahn@lette.ca Responsable de l administration / Administration Officer Mr. Andreas Kräuchi Tel: info@cccsqc.ca Chères et chers membres, Nous reprenons nos activités après des vacances bien méritées. Cependant, je peux vous assurer que nous ne sommes pas restés inactifs; en effet, nous avons passé beaucoup de temps à mettre en place les principaux éléments d une opération, qui va modifier votre Chambre de commerce canado-suisse pour l avenir. Comme vous le savez probablement, lors de l assemblée générale annuelle de la Chambre, en juin dernier, nous avons approuvé un plan que nous avons appelé «Virage Affaires». Ce plan est le résultat de vos commentaires positifs, ou quelquefois négatifs, que vous nous avez faits durant les derniers mois. Nous avons aussi consulté plusieurs membres et non-membres de façon individuelle et nous avons travaillé étroitement avec le Consul général, monsieur Beat Kaser, et le Swiss Business Hub, pour améliorer, dans l avenir, la coordination de nos actions. Nous n avons qu un seul but : améliorer les contacts entre nos membres afin d augmenter les opportunités d affaires. Lors de cette assemblée annuelle, nous avons aussi élu le Conseil d administration qui dirigera les destinées de votre Chambre; je salue les trois nouveaux membres du Conseil qui se joignent à nous : Marie-Josée Loiselle, Jean-Aymeri de Magistris et Alex Volery qui vont sans aucun doute nous amener de nouvelles idées. Nos membres changent et la Chambre doit répondre à leurs nouveaux besoins. Je vous enverrai dans les prochains jours, un premier «Bulletin du président» qui vous donnera, plus en détails, les changements que nous comptons faire. Le présent numéro d Info Suisse parle de réseautage, cette question est au cœur des actions que nous entreprenons. I can already tell you that the new season we are launching in a few days, will be a busy one. We are preparing many activities, the traditional ones but also entirely new events. Our members will have added opportunities to talk business together. Vous pourrez compter sur nos activités traditionnelles, mais nous vous réservons de nouveaux événements qui vous permettront de rencontrer des gens d affaires très intéressants. Nous allons aussi améliorer nos communications avec vous. Jean Serge Grisé Président du conseil d administration de la Chambre de commerce canado-suisse du Québec. ÉVÉNEMENTS / UPCOMING EVENTS 2013 / Novembre 2013 / November 21st 2013 Soirée Fondue / Fondue evening 19 Février 2014 / February 19th 2014 Soirée Raclette / Raclette Evening 2 Juin 2014 / June 2nd 2014 Tournoi de Golf / Golf Tournament Des événements supplémentaires seront ajoutés au fur et à mesure Additional events will be added as soon as the dates will be known Dates sujet à changement / Dates are subject to change INFORMATION et détails/and details : ou/or (514) O CTOBER/NOVEMBER

6 Business Networking Le réseautage d affaires LE RÉSEAUTAGE D AFFAIRES Par Marie-Josée Loiselle Nous serions tentés de croire qu à l heure des technologies de communication, le face à face n est plus de mise; un seul courriel, un appel Skype et le tour est joué! Cela est vrai dans certaines situations où les transactions sont simples. Cependant, dans les relations d affaires plus complexes, le face à face est encore aujourd hui une priorité. Les technologies ne font qu accélérer les communications par la suite, une fois que la confiance s est établie. Lorsque j œuvrais chez Montréal International, avant de partir mon entreprise de consultation, je travaillais beaucoup en Californie et d aucun mettrait en doute l attitude «tech savvy» des gens là-bas. Or, afin de pouvoir rencontrer des gens influents dans des entreprises technologiques ou dans le capital de risque, il fallait avoir été référé par quelqu un de ce milieu. Nous devions donc trouver ce «quelqu un» et lui prouver que nous étions véritablement «utiles», par exemple avoir fait nos devoirs sur ce qu ils recherchent et comment nous sommes «la solution». Après, les portes s ouvraient. Lorsque l on parle d encourager les relations d affaires entre la Suisse et le Canada, concrètement cela veut dire que des personnes ayant des intérêts dans ce sens doivent se rencontrer pour réaliser un projet (investissement, exportations, co-entreprise, etc.). Pour cela, le réseautage est essentiel puisque comme le dit l adage «people do business with people they like». D autre part, bien que l aspect social du réseautage soit apprécié, les gens d affaires ont habituellement des objectifs précis; les organisateurs de ces événements gagnent à mieux cerner les intérêts des participants afin de maximiser les retombées et la réalisation de projets. Mon expérience de dix années en affaires m indiquent que les actions les plus rentables en termes d acquisition de clients sont les conférences que je donne et les rencontres sollicitées avec des clients ou «relayeurs» (soit directement ou via des références) en Suisse ou ailleurs. Toutes ces actions impliquent un face à face. Évidemment, l on gagne à ne pas «vendre» quelque chose dans ce genre de rencontres mais plutôt s inscrire comme une conseillère de confiance quand viendra le temps de faire avancer des dossiers. À titre d exemple d activité de réseautage, afin de célébrer le 10e anniversaire de la fondation de mon entreprise, j organise un cocktail le 8 octobre prochain où j invite mes clients et contacts/amis. Ce genre d événement vise trois objectifs : je désire remercier mes clients et contacts/amis 4 I NFO SUISSE

7 car ils ont contribué au succès de mon entreprise; par cette invitation, je reprends contact systématiquement avec ma base de clients et contacts que je ne vois pas nécessairement sur une base régulière; cela permet de mettre en relation des gens qui vont peut-être avoir intérêt à faire des affaires ensemble. De son côté, la Chambre de Commerce Canado-Suisse (Québec) et ses partenaires sont heureux de contribuer aux événements de réseautage dans le cadre, par exemple, d accueils de missions économiques (mission du Jura, septembre 2012), d accueils de missions sectorielles (Medtech-ITC, avril 2011) ou de représentants de la promotion des Cantons (Fribourg économique, septembre 2013) au Québec. Ces événements permettent de mettre en contact les participants Suisses avec de potentiels collaborateurs locaux. De plus, ces activités mènent souvent par la suite à d autres idées encore non exploitées. Déjà, les résultats sont intéressants tant au niveau de produits Suisses maintenant distribués au Québec/Canada que des entreprises québécoises, traditionnellement orientées vers la France, maintenant intéressées à une présence en Suisse. Un win-win quoi! Marie-Josée Loiselle est la présidente de Nuno ID Inc., une firme de consultation en développement des affaires internationales. Elle aide les entreprises étrangères, plus particulièrement suisses, à pénétrer le marché canadien via les exportations (recherche de distributeurs), les acquisitions et les implantations. Marie-Josée accueille aussi plusieurs types de missions économiques. Enfin, Nuno ID conseille les organismes de développement économique/municipalités au Québec dans leur positionnement international et prospection d investissements. Marie-Josée Loiselle est membre du Conseil d administration de la Chambre de commerce canado-suisse du Québec. mariejo@nuno-id.com T TIPS ON HOW TO GET THE MOST OUT OF BUSINESS NETWORKING Article written by Pamela Eyring, Reuters Networking: It s up to you to find and make the most of the opportunities presented. There s an old adage, it s not what you know, it s who you know. That adage couldn t be more appropriate in today s competitive job market. And networking (especially when you re employed) can be the key to staying employed and staying on a clear career track. But there s more to networking than shaking hands and exchanging business cards. Done right, networking helps you forge relationships with like-minded professionals to the benefit all. While networking is often used to generate referrals and leads for new business, it s also extremely useful for finding a new job, discovering possible new hires, improving basic business practices, or changing career paths altogether. The key is to get out there and connect. It s up to you to find and make the most of the opportunities presented. Here are a few ideas to get you started: 1. HAVE A PLAN For every event you attend, make a commitment to yourself to connect with a specific number of people. Three to five people is realistic. Make sure the contacts are new and not people you ve met before. This will help get you out of your comfort zone and you won t spend your entire evening chatting up old friends. 2. DRESS THE PART Fifty-five percent of a good impression is based on how you look. If you want to be perceived as a professional you need to DÉMÉNAGEMENTS INTERNATIONAUX O CTOBER/NOVEMBER

8 Business Networking Le réseautage d affaires dress like one. Make sure your clothes are neat, fit well and appropriate to the time of day and event. 3. BE PROFESSIONAL Remember to say hello and pronounce your name clearly and distinctly. Make sure your business cards are clean and not tattered. Shake hands firmly and make good eye contact with everyone you meet. Say the person s name when you say goodbye and tell the person how much you enjoyed meeting them and hope to see them again. 4. MAKE THE ASK Don t rely on other people to remember and reach out to you. It s your job to ask people for their business card and to maintain contact. 5. STAY IN TOUCH The biggest mistake people make in networking is not keeping in touch with the contacts they make. Find reasons to reach out and connect. Perhaps send a link to an interesting news story related to the individual s industry. Or, if you ve identified a common interest such as a love of modern art or music, let them know about an opening or event. It s not necessary to make plans to meet at the event. Just reaching out is enough to help strengthen your connection and forge their sense of who you are. 6. BE VISIBLE Take a leadership role in your community and industry organization to build visibility. Join the Chamber of Commerce or a more industry-specific organization such as the local chapter of the Public Relations Society of America. Offer to speak at events and offer advice as an industry expert. This will position you as a trusted resource and someone to turn to for answers. While networking generally begins with a quick introduction, the actual benefits can take longer to cultivate. It s all about giveand-take and it may take a year or two but if you are diligent, eventually the phone will ring and there s no telling what kind of opportunity will be on the line. Pamela Eyring is the president of The Protocol School of Washington (PSOW), which provides professional business etiquette and international protocol training. Founded in 1988, PSOW is the only school of its kind in the U.S. to become accredited. Any opinions expressed are her own. PSOW s website is: EFFECTIVE NETWORKING 101 Networking is the interaction with others to build a network of contacts for business or personal reasons. Having a strong network of contacts is beneficial in many life situations. Effective networking can help you get clients, find new employment or simply meet new and interesting people. A few key points to remember: - Always have business cards with you, even in this electronic age. - Dress accordingly to the event. - Remember that everyone is a possible network contact. - Always wear your name badge on the right hand side. It s easier to read while shaking hands. - Listen carefully, stand tall, shake hands firmly, and make eye contact. - Learn to remember people s names and a detail about them. Before you start your networking, create some goals for yourself. Are there specific people you would like to meet? Research their background first. Set yourself goals, for example a specific number of people you d like to approach at this specific event. Once you are ready to mingle, you realize there are hundreds of people mingling about, and you freeze. Who do you approach first and how? - If you don t know anyone in the room, position yourself in a high-traffic spot (eg. bar, buffet, table etc.) - Look around and try and locate groups of three or more. Remember, pairs of people might be involved in a private conversation, while 3 or more people are more likely to widen the circle for you to join in. So, what do you say? Here is the opportunity to introduce yourself by giving a brief but concise picture of who you are. This is called the elevator statement, a short and punchy description of yourself and/or your firm that answers the question, what do you do? It should be 10 seconds or less and should be compelling and have a hook. Be enthusiastic about it, focus from the client s (or prospect s) perspective and try to add some humour if you can. After this intro it is the time to exchange business cards as this can help continue the conversation. Always read the business card and comment on the design, logo, business location or something. Now keep the dialogue going by asking some non-intrusive questions like: - How did you get into this industry? - How have you heard of this event/ exhibition/? - Are you involved in any professional groups and associations? - What do you love about your career? - Create some of your own questions, which can be used in many situations. Don t spend too much time with one group of people as there are many more individuals to talk to. Avoid speaking too long with people you already know. Say hello but rather schedule a lunch or coffee with them to catch up more another time as now is the time to expand your networking. As awkward as it can be approaching an individual, ending a conversation is also not easy. First, pay attention for signs, such as a lull in the conversation or the individual you are speaking to is looking around the room. Say something simple and polite such as it has been such a pleasure talking with you but there are many more people here I need to speak with this evening. Hopefully we will see each other again. Always thank with a firm handshake, no matter what their gender is. But before moving on to the next 6 I NFO SUISSE

9 Visit a Lindt Outlet Boutique and discover a wide selection of irresistible Lindt Chocolates and gifts at delectable deals. Etobicoke The Queensway Mississauga Kennedy Road Oakville Wyecroft Road Scarborough Markham Road Kitchener King Street East Ottawa St. Laurent Blvd. Brossard boul. du Quartier Laval Autoroute Chomedey (Aut 13) Pointe-Claire - 58 boul. Brunswick Sainte Foy Avenue Jules Verne For all store locations, please visit lindt.com group, write down some notes about the individual you ve just ended the conversation with. Here some good networking settings: The Gym: Especially if it s close to your office, there might also be executives working out and it s easy to start a dialogue about sport, health and workout preferences. Trade Shows: There is a common interest by people who are attending these trade shows and it makes it easier to start a conversation. The Company Function: Try not to talk about work during these functions but look for other common interests. And remember don t drink (much) at these functions. The Charity Join one of the charities in your region. It gives you something to say about yourself, it s rewarding and provides you with opportunities to meet and network with some high-powered executives. Industry Groups Join industry groups related to your profession and participate in them. The contacts you will make will be invaluable on so many levels. Alumni Groups Even though many of us dread the school reunion but go to them. You have already a natural connection with these people so the initial introductions are a lot easier. And never forget, they could be in some powerful positions by now. Reconnecting Last but not least, reconnecting with past clients, co-workers and people we have lost touch with. People will not wonder why we didn t stay in touch but will be happy that we took the first step to reach out and reconnect. Hope these tips help. Enjoy your next networking session. THE 50 BEST BUSINESS APPS 2013 Original article written by Julie Bort and Kyle Russell on Aug. 12, 2013, and posted on Business Insider. Please go to com/50-best-business-apps ?op=1 Chances are, by now you have a smartphone and maybe a tablet, and you never leave home without one or both of them. These O CTOBER/NOVEMBER

10 Business Networking Le réseautage d affaires devices have transformed our daily lives. While much attention is given to the coolest consumer apps, mobile apps that help you do your job better are arguably even more important. With that in mind, we ve assembled a collection of apps that can help you in your daily business and networking. Please check out the link to many more useful apps. CloudOn lets you run Microsoft Office on the ipad There are a few apps that run Microsoft Office on the ipad and Android tablets. We like CloudOn because 1) it s free, 2) it supports many of Office s more advanced features, 3) it s designed to work on a touch interface. Price: Free Available on: Android and ios Evernote is a note-taking app that is chock full of features Evernote is a must-have note-taking app chock full of features and third-party add-on apps. You can take notes, clip web pages, store images, take audio notes, and then share them across devices and among coworkers. Once you start using it, you can t live without it. Price: Free Available on: Android, Blackberry, ios, Mac OS X, Windows, Windows 8, Windows Phone 8 LectureNotes lets you scribble pictures and diagrams If you find yourself needing to scribble hand-written notes or pictures/diagrams Addappt keeps your contact list up to date automatically When a friend, coworker, or business contact changes an address or phone number, they have to send a note asking everyone to update their address book. Addappt solves that problem. It lets contacts update their own addresses on your device. It also offers other nifty address book management features. Price: Free Available on: ios CardMunch turns business cards into LinkedIn connections In this age of smartphones, it seems crazy that people still exchange paper business cards. But we do. By using this business card reader for LinkedIn, created by LinkedIn, you can convert business cards to address book contacts, and add them as LinkedIn connections. Price: Free Available on: ios Bringing you superior, quality products and International brands for 30 years and you ve got one of those big-screen Android smartphones, try LectureNotes. This Android app works with a stylus to turn your phone or Android tablet into an electronic notebook. Price: Free Available on: Android 8 I NFO SUISSE

11 LinkedIn is the ultimate business social network For those of you who live and breathe on LinkedIn, there s nothing better than LinkedIn s own mobile app that supports every aspect of LinkedIn. Track your job apps, follow big names in your industry, and keep up with your favorite LinkedIn groups. Price: Free Available on: Android, Blackberry, ios, and Windows Phone TripIt magically organizes your business trips Business travel can be exhausting and complicated. Flights, car reservations, hotels, meetings... yikes! Just forward all of that info to TripIt and it organizes your trip for you and presents you with a clean agenda. Plus, it lets you share your trip plans with coworkers, find restaurants, and add notes. Price: Free Available on: Android, Blackberry, ios, and Windows Phone Asana helps your team get stuff done Asana is a shared task list, project management tool for a team. The mobile app lets you see what your coworkers have assigned to you while you re out of the office. It lets you keep up with tasks, attach files from Dropbox, attach images to tasks and it syncs in real time with the Web-based version. It s completely free for a team of up to 15 people, too. Price: Free Available on: Android and ios Checkmark keeps you organized and productive Checkmark is a to-do-list app on steroids. It can set up reminders based on time, based on contacts, or, our personal favorite, even based on your location. So if your meeting takes you near the dry cleaner, it can remind you to stop in and pick up your stuff. Price: $4.99 Available on: ios Clear makes your to-do list more manageable If all you really want from a to-do-list app is something that cleanly and elegantly keeps track of your lists, then Clear is the answer. While a note-taking app like Evernote offers a mind-boggling number of features, Clear is simple and intuitive. Best part: gesture controls. You get that satisfying swipe to cross off a completed task. Price: $2.99 Available on: ios Fantastical makes your calendar easier to use Fantastical made a name for itself with its calendar app for the Mac. But the iphone app is equally loved. Type or speak the event: Coffee with Fred at Starbucks on Wednesday at 10 a.m. and the app schedules it for you. The iphone app also includes the DayTicker week-at-a-glance view that Mac users love so much. Price: $4.99/$19.99 Available on: ios & Mac BIENVENUE AUX NOUVEAUX MEMBRES CCCS (QUÉBEC) INC. Individual members / Membres individual GE Capital M. Jean-Sébastien Grisé, Vice-président Crédit 1250 boul. René-Lévesque ouest, Suite 1100 Montréal, QC, H3B 4W8 Tél. : js.grise@ge.com Centre dentaire Dr. Claudine Luu, Chirurgien dentiste 4510 rue Cartier Montréal, QC, H2H 1W8 Tél. : swissclinic1@gmail.com Orchestre Métropolitain M. Jean R. Dupré, Président Directeur général 486 Ste-Catherine Ouest, Suite 401 Montréal, QC, H3B 1A6 Tél. : , poste 24 jrdupre@orchestremetropolitain.com CM Labs Simulations Inc. M. Nicolas Grisé, Gestionnaire de Bureau 645 Wellington, Bureau 301 Montréal, QC, H3C 1T2 Tél , ext nicolas.grise@cm-labs.com O CTOBER/NOVEMBER

12 Business Networking Le réseautage d affaires Remember the Milk organizes your projects and deadlines Yes, Remember the Milk is another featurerich to-do list. Users love the tags and smart lists. Tag items with dates, and it automatically organizes your life based on project deadlines. It syncs with Evernote, too. Price: Free Available on: Android and ios LogMeIn lets you tap into your PC from afar Need an important business file sitting on your PC at the office? LogMeIn lets you access your Mac or PC from your smartphone. It lets you remotely run almost any PC business app on your phone, too, like Salesforce, SAP, and Microsoft Office. Price: Free/$29.99 Available on: Android and ios FoxFi ensures you ll always have an Internet connection There are times when you are traveling and you need an Internet connection when there s no WiFi available. Enter FoxFi. It turns your Android phone into a free WiFi Hotspot without a tether plan required. It also doesn t require breaking into your phone s software (in geek speak, no rooting). Price: Free Available on: Android Wi-Fi Finder helps you locate the nearest WiFi The name of this app says it all: It helps you find free or paid public WiFi hotspots and it will even give you directions on how to get to the hotspot of your choice. Price: Free Available on: Android and ios LastPass keeps track of your passwords Everything these days requires a password. Although it s tempting to use the same one for everything, that defeats the purpose. Instead, use LastPass. It stores your passwords, and will automatically generate secure ones, too. Price: Free Available on: Android and ios LE RÉSEAUTAGE : BIEN PLUS QU UN ÉCHANGE DE CARTES D AFFAIRE! Avez-vous déjà eu l impression que les gens qui réussissent sont partout et qu ils connaissent la planète entière? C est toujours le même refrain : tout serait une question de contacts et la formule magique, le réseautage! The bigger the questions our changing climate poses, the better our answers need to be. As natural catastrophes increase in frequency and severity, no one has all the answers. But what we do have at Swiss Re is the depth of expertise and global capacity to offer innovative ways to transfer financial risk and rebuild. Moreover, we have the most advanced proprietary natural catastrophe modelling system in the re/insurance industry. Pioneered in partnership with scientists and engineers, this provides our clients with a unique, constantly updated perspective on natural catastrophe risks. So can there be anyone better placed to help you anticipate, evaluate and mitigate the impact of climate change? At Swiss Re, risk is our raw material; what we create is opportunity. Looking for better answers? Plug into swissre.com 2013 Swiss Re 10 I NFO SUISSE

13 Il est vrai qu à en voir aller certains, le réseautage s apparente à une compétition olympique : leur calendrier est rempli d activités où ils rentrent dans la salle, donnent des cartes d affaires et «scorent». Avec pareille pression, il n est pas surprenant que beaucoup de gens voient le réseautage comme une activité rebutante Mais parlons des vraies choses. Est-ce vraiment nécessaire d être aussi branchés? Et concrètement, comment fait-on pour réseauter sans craquer? ENTRETENIR DES LIENS À LONG TERME En réalité, il n y a pas de concours de poignées de main et il n est pas nécessaire de se ruiner à boire des martinis tous les soirs pour se faire un réseau. L art du réseautage est beaucoup plus subtil : il consiste davantage à une manière d être que d un objectif de rendement. Le réseautage est une capacité à échanger en vue de tisser une relation professionnelle ou une amitié de confiance avec les gens qu on rencontre. C est une habileté à entretenir des liens à valeur ajoutée avec ces personnes à long terme, que ce soit par la qualité de nos conseils, notre capacité d écoute, en apprenant à mieux connaître la personne ou encore par notre aisance à favoriser les liens entre les gens de son réseau. Le Wall Street Journal révélait il y a deux ans que 94% des gens qui avaient trouvé un emploi ont déclaré qu ils devaient leur succès au réseautage. Que vous débarquiez tout juste sur le marché de l emploi ou que vous soyez déjà un membre de la haute direction de votre entreprise, tout le monde a avantage à échanger avec les autres. TROUVER LA FORMULE QUI VOUS CONVIENT Gina Desjardins est devenue une des journalistes et bloggeuses «techno» les plus respectées du Québec grâce à son travail acharné, mais aussi parce qu elle a su entretenir ses contacts et tisser des liens qui lui ont permis de s imposer dans un monde «de gars». «Encore aujourd hui, lorsque je IMAGINEZ UN GESTIONNAIRE DE PATRIMOINE Imaginez un gestionnaire de patrimoine à la convergence des gestions traditionnelle et alternative. Imaginez un gestionnaire de patrimoine à la recherche de réelles performances et non d indices à battre. Imaginez un gestionnaire de patrimoine dont les collaborateurs ont la latitude nécessaire pour donner le meilleur d eux-mêmes. Imaginez un gestionnaire de patrimoine capable de diversifier véritablement les risques. Imaginez un gestionnaire de patrimoine qui façonne l avenir de la gestion de fortune. Bienvenue chez Lombard Odier. Lombard Odier Gestion (Canada) Inc., commandité pour Lombard Odier & Cie (Canada), société en commandite 1000, rue Sherbrooke Ouest Bureau 2200 Montréal (Québec) H3A 3R7 Canada Téléphone rencontre de nouvelles personnes dans des événements, la première chose que je fais par la suite est de les ajouter sur LinkedIn et de les suivre sur Twitter, explique-t-elle. On se souvient des personnes avec qui on a des affinités. Avec les réseaux sociaux, je n ai plus besoin de conserver de veilles cartes d affaires et ça facilite la prise de contact, même si c est quatre ans plus tard». Si les activités de réseautage vous intimident, commencez par vous intéresser aux gens qui vous entourent. Enrichissez ces relations tout en n oubliant pas qu il faut savoir faire appel à l aide de ses contacts pour demander des conseils, une référence ou un coup de main. Le plus souvent, ils seront heureux de le faire! Et votre réseau n en sera que plus solide. «Nous avons chacun nos forces et je ne perçois pas les gens de mon réseau comme des compétiteurs, ajoute Gina. Je préfère la collaboration. Lorsqu on est ouvert à soimême, les échanges avec les autres sont plus enrichissants et on obtient parfois de l aide, sans même s y attendre.» O CTOBER/NOVEMBER

14 Le réseautage s apprend et se développe. Une foule d outils et de ressources s offrent à ceux et celles qui cherchent des conseils. De nombreux livres abordent le thème et des associations régionales comme les chambres de commerce offrent des formations qui sauront aider. Le Web est aussi une mine d information et de conseils pour mieux se préparer. Les réseaux sociaux peuvent aussi être utiles pour mettre en valeur ses compétences, ses champs d intérêts et pour augmenter sa visibilité. SEMER MAINTENANT POUR RÉCOLTER PLUS TARD Aussi, plus on commence tôt à développer son carnet d adresses, plus on ouvre la voie à de nouvelles possibilités. «Les gens que j ai connus grâce à mon implication notamment avec la Jeune Chambre de Commerce et l Association du Jeune Barreau de Montréal m ont vue évoluer, me connaissent et me font confiance. Ils ont souvent été de bonnes ressources pour faire progresser ma carrière, qu ils soient des professionnels de mon industrie ou en provenance d autres milieux», explique Caroline Leduc, avocate. Il ne faut pas oublier que le réseautage va au-delà de «qui peut vous apporter quoi» aujourd hui car souvent, ce sont les relations les plus surprenantes qui vous dirigeront vers les opportunités les plus intéressantes plus tard. Les gens que l on rencontre grimperont aussi les échelons et seront peut-être WELCOME NEW MEMBERS SCCC (ONTARIO) INC. New Personal Members: Marianne Mian-Krenger RE/MAX LEGACY REALTY INC. BROKERAGE 100 City Centre Dr., #1-702 Mississauga, ON L5B2C9 Tel: mariannemian@gmail.com Website: How to become a member of the SCCC: Sign up online at or contact our office at sccc@swissbiz.ca or de bonnes ressources demain. «C est comme à l école, c est toujours plus facile de rentrer dans la gang quand on connait déjà quelqu un du groupe», ajoute-t-elle. En bout de ligne, le réseautage est une façon d être et requiert de l ouverture d esprit. On ne perd rien à étendre son réseau de contacts, que ce soit au bureau, sur le Web, dans l ascenseur, dans la cour d école de votre enfant ou à une activité de réseautage de votre région Toutes les occasions sont bonnes pour faire croître votre carrière. Réseauter, c est aussi faire en sorte que les gens se rappellent de vous dans les moments opportuns. Transmettre à vos interlocuteurs une image positive, juste et qui met l accent sur vos objectifs pourrait être une stratégie à développer. IDÉES BRILLANTES POUR FAIRE DU RÉSEAUTAGE EFFICACE : 1. Voyez le réseautage comme une façon de faire de nouvelles connaissances 2. Préférez la qualité plutôt que la quantité de contacts 3. Favorisez les relations gagnant-gagnant 4. Utilisez les médias sociaux pour vous aider à entretenir efficacement votre réseau 5. N oubliez pas que le réseautage va au-delà du «qui peut vous apporter quoi». On ne sait jamais comment chacun évoluera. Source originale : Le réseautage : bien plus qu un échange de carte d affaire!, sur SimplementBrillant.ca. Sun Life du Canada, compagnie d assurance-vie, 2012 For over 50 years, many of Europe s largest corporate groups, as well as numerous small and medium-size companies, have counted on Lette to provide them with practical, sophisticated and cost-effective legal advice in Canada. Lette LLP toronto Contact Bernard Lette at BLETTE@LETTE.CA Toronto: Montréal: Lette & Associés s.e.n.c.r.l. montréal Lette Alérion paris Lette & Knorr munich / ulm 12 I NFO SUISSE

15 Member Profile Portrait d un Membre NEW PACE CONSULTING INC. Most businesses stay far below their potential. They could grow faster, be more profitable, win and retain more clients, have enthusiastic employees, and show excellent operational performance even in challenging times. We have seen too many leaders and managers dealing with business issues anecdotal symptoms instead of raising the bar for their performance and making a quantum leap. This is why in 2009 we decided to start New Pace Consulting in Switzerland. Three years and a couple of excited clients later, we set up a second office in Toronto to tap into the North American market while utilizing our Swiss headquarters to serve our European clients. New Pace is an international boutique consulting firm committed to achieving substantial performance improvements with its clients in the shortest possible time. We typically work directly with the CEOs of small and midsized businesses or business-unit heads within large corporations. The common denominator among our clients is their choice to bring their businesses to higher performance levels. Their goals can include penetrating new markets, becoming a great place to work, increasing the loyalty of their client base, raising operational efficiency, or simply creating a positive future by outlining a clear vision and strategy. We are proud to say that we have helped fortune 500 companies as well as midsized businesses, small start-ups, and even individuals to raise the bar and successfully execute the necessary changes. Our clients are from several industries in Switzerland, Germany, and Canada. Typical activities we engage in with our clients include strategy definition and execution, leadership coaching, process design, operational improvements, creating a best-in-class customer focus, and inspiring staff members. We never remain on the conceptual level but rather work with our clients until the targeted objectives are achieved and results can be seen. To increase our footprint and impact more people and businesses, we also act as speakers, seminar leaders, contributors to several magazines, and bloggers. We also provide a community of ambitious business leaders with our weekly Friday Noon Memo, a newsletter with fresh often provocative ideas and directly applicable tips for peak performance. (Register here for free: www. new-pace.com/friday-noon-memo) The two founders, Volkmar Völzke and Natalia Filchakova, have over 25 years of cumulated business experience, including projects in more than 15 countries for large corporations and continuous C-level collaborations. Check our website for more information or contact us at any time via or phone. We look forward to engaging in a conversation with you about peak performance and the steps you need to take to get there. Volkmar Völzke, CEO New Pace Consulting Lausanne, Zürich, Toronto First Canadian Place Toronto, ON M5X 1C1 Canada T E volkmar.voelzke@new-pace.com STEIGER, ZUMSTEIN & PARTNERS AG B U S I N E S S A N D M A N A G E M E N T C O N S U L T A N T S Establishment and management of Swiss corporations Accounting services International Tax Planning for companies and individuals Management functions in Finance and Administration for Swiss- and international companies Services provided in English, French and German CONTACT: Nauenstrasse 49, P.O.Box, CH-4002 Basel Phone , Fax brd@steiger-zumstein.ch MEMBER OF: O CTOBER/NOVEMBER

16 Tribeca Insights Freedom 55 BlackBerry Version. FREEDOM 55 BLACKBERRY VERSION By: Beat J. Guldimann, LLD Freedom 55 is a term coined years ago by the Canadian investment industry to describe how smart savers could retire comfortably some ten years before they qualify for pensions from the Canada Pension Plan. After a few financial crises in the first decade of the 21 st century, this once hailed concept has all but disappeared, notwithstanding the fact that a leading Canadian insurer still runs a retirement financing company using the mirage-like concept as its brand name. Most Canadians have turned the page on being able to retire comfortably on their savings some 30 years before they are statistically expected to pass on whatever is left to their heirs. Volatile markets and a secular low interest environment have been killing their dream. But this article is not about ordinary folk grappling with the idea of having to work well into their golden age; it is about the misguided compensation packages for corporate executives, as demonstrated by the $55 million payout that the CEO of BlackBerry is about to receive in case of the likely demise of the once proud Canadian smart phone maker. Thorsten Heins joined BlackBerry in 2007 giving up his Chief Technology Officer job at German giant Siemens. The Wunderkind became CEO at BlackBerry in January 2012, with much hope and fanfare. He was seen as the man that will turn the beaten-down smart phone pioneer into the proverbial Phoenix rising from the ashes. BlackBerry traded at $15.78 a share at the time and it took the Waterloo engineers a full year to launch the much-anticipated new BlackBerry Z10, supposedly the most beautifully engineered mobile device ever offered to the sophisticated business consumer. The rollout of the Q10 with the hallmark BlackBerry keyboard a key differentiator to iphones and Galaxies took several months longer. Under Heins leadership, BlackBerry has failed to amaze consumers. They had long crossed the aisle to Apple and Samsung and did not return. BlackBerry s market share dropped from a controlling position only a few years ago into the single digits. When Heins first entered the senior ranks in Waterloo in 2007, the company then known as Research in Motion traded at $ a share. When he took over the CEO chair in January 2012, the share price had dropped to $15.78, a reflection of BlackBerry s inabil- We make communication work seamlessly across six continents. Zurich does the same with our insurance. Andrew M. Miller, President & CEO Polycom, Inc. A single property insurance solution designed to help reduce coverage gaps and overlaps. Polycom, a global leader in telepresence solutions, needed a financially strong carrier that could make complex insurance coverage easier. Zurich provided a custom solution that s as simple as it is seamless, integrating property with liability coverage all under one policy. It s an example of how Zurich delivers the help businesses need when it matters most. Watch the video to learn more. Insurance is underwritten by insurance company subsidiaries within the Zurich Financial Services Group including, in Canada, Zurich Insurance Company Ltd. Insurance product obligations are the sole responsibility of each issuing insurance company. For example, only the assets of Zurich Canada (and no other assets of the Zurich Financial Services Group) are available to meet its obligations for the performance of its products. For more complete financial information, audited annual statements of the Group and information on the ratings of the underwriting companies of Zurich in North America, access Zurich is a registered trademark of Zurich Insurance Company Ltd. 14 I NFO SUISSE

17 ity to compete with the folks in Cupertino and Seoul. Mr. Heins was expected to change all that, but instead oversaw the failed relaunch of a new generation of Blackberries, including a complete re-branding which led to a further drop in share price to $11.75 by the end of his first year. BlackBerry announced on September 20, 2013 that it had to write off warehouses full of BB10s that nobody wanted with a resulting loss of close to $1bn and a 40% reduction of the workforce. While no analyst on the planet was really shocked at the news, markets sent BB down more than 15% to a new low of $9.08. Shareholders that bought BB on the announcement of Heins taking the reins lost 42%. Those who bought at the peak in 2007 and held on are left with 4 cents on their 2007-dollar. A few weeks ago, BlackBerry s Board of Directors came to the conclusion that a revival of the business and the brand had a small likelihood of happening. The Board announced a strategic review of all options and squashed the hopes of shareholders of making up some of the gigantic losses through the constant decline from 2007 to The market knows that strategic review is corporate speak for a sale or merger, in this case at a price sitting at 4% of the alltime high. The company would hardly have picked a worse time for a this, particularly considering that Nokia an early competitor with a similar fate had just tied up a deal with Microsoft, one of BlackBerry s potential suitors. Nobody seems willing to catch a falling knife. What is disturbing in the context is not that the BlackBerry Board is putting the company on the chopping block but that Mr. Heins, the man that was supposed to turn around the company and failed at the task, stands to make at least $55 million from a severance package triggered by a change of control in Waterloo. This is an appalling number under any standard, even for a C-suite manager that was successful at what they were doing. In the ordinary course of business, Thorsten Heins should be held to account for the failed turnaround execution under his watch. Maybe he would be able to keep his job for a little while longer by demonstrating to the Board that the blundered launch of Z10 and Q10 was not his blame to take. Maybe he would get fired for lack of performance. Under no scenario should he be taking home eight figures. Mr. Heins makes more money if BlackBerry dies than what he could expect to be earning from keeping his job for another few years, while long-term shareholders that gave BlackBerry the capital and elected the Board that gave Mr. Heins his gilded parachute are lucky to recover a few pennies of their losses over the years. The generous, unnecessary and incomprehensible parachute given to Heins by the BlackBerry Board is his Freedom 55. It sets incentives that are disgustingly unaligned with the interests of shareholders and employees while allowing Heins to escape accountability as he is spending more time on his beloved BMW motorcycle. We could try to blame Mr. Heins for taking the shoot and the millions in reward for apparent failure, but this would be too kind towards yet another highly compensated Board that missed an opportunity to set sensible compensation rules. BlackBerry Shareholders have a right to be outraged. Beat Guldimann, owner of Tribeca Consulting Group, holds a Doctorate in Law from the University of Basel; he was legal counsel at the former SBC (86-96), President and CEO of UBS Canada (97-01), Head of Global Private Banking at CIBC (01-04) and Vice-Chairman at Hampton Securities (05-07). WELCOME NEW MEMBERS SCCC (ONTARIO) INC. New Personal Member: Jay Klein Pur Gum 8 King Street East, Suite 1905 Toronto, ON M5C 1B5 Tel: x jay.klein@pur-gum.com Website: Seit über 20 Jahren in Ontario zugelassener, deutschsprechender Anwalt und Notar bietet Ihnen persönliche Betreuung und fachliche Kompetenz. ALEXANDER SENNECKE BALDWIN ANKA SENNECKE HALMAN LLP BARRISTERS & SOLICITORS Helping you make the Right Moves Victoria Tower 25 Adelaide Street East Suite 900 Toronto, Ontario M5C 3A1 Für weitere Fragen stehe ich gerne zur Verfügung. Direct: Facsimile: Cell: Handy: asennecke@sennecke.com O CTOBER/NOVEMBER

18 Business and Other News Actualités économiques et d affaires THE EMPLOYERS EDGE FEDERAL COURT SAYS EMPLOYER NEED NOT PROVE JUST CAUSE BEFORE DISMISSING AN EMPLOYEE UNDER S.240 OF THE CANADA LABOUR CODE By Susan Crawford In what is being hailed throughout the labour community as a game changing decision, the Federal Court recently broke with a 30 year line of arbitral authority that a federally-regulated employer could only dismiss non-union, non-management employees for just cause pursuant to s.240 of the Canada Labour Code. In what is being hailed throughout the labour community as a game changing decision, the Federal Court recently broke with a 30 year line of arbitral authority that a federally-regulated employer could only dismiss non-union, non-management employees for just cause pursuant to s.240 of the Canada Labour Code. For the last three decades, non-union, non-managerial employees in the federal sector have enjoyed similar job protection as unionized employees. Adjudicators have repeatedly held that unless an employer has just cause (serious misconduct, incompetence, etc.) then it could not dismiss an employee that fell under the unjust dismissal provisions in s. 240 unless the employer could fit within that section s very narrow exceptions that allowed for dismissal for a lack of work or where there is a permanent discontinuance of the employee s position. In Atomic Energy of Canada Limited v. Wilson, the Federal Court overturned an adjudicator s decision that followed this long line of authority. Wilson had been dismissed on a non-cause basis and was provided with six (6) months severance. The federal court remitted the matter back to the adjudicator to determine whether the six months was unjust. The court held that the adjudicator was not permitted to simply find the dismissal to be unjust because the employer did not have just cause. This decision, if upheld by further appellate courts, will give federal employers greater flexibility in proceeding with non-cause dismissals. The remedies for a breach of s.240 have been very onerous for employers over the years including reinstatement and full back pay in some cases. Counsel for Wilson has indicated that the Federal Court s decision will be appealed to the Federal Court of Appeal and CCP will keep you posted on this important decision for federal employers. For more information on above or other topics visit their website at www. ccpartners.ca or contact David Chondon by at dchondon@ccpartners.ca. OTHER BUSINESS NEWS SWITZERLAND SCORES WELL IN KEY ECONOMIC AND FDI DECISION CRITERIA New York, September 13 For the fifth consecutive year Switzerland scored as the world s most productive country for business in World Economic Forum s Global Competitiveness Report , reports Daniel Bangser, Director North America for Switzerland Trade & Investment Promotion. According to the WEF, Switzerland s strengths lie in its innovation, its system of SCHOLARSHIP FUND OF ONTARIO The Swiss Canadian Scholarship Fund of Ontario is pleased to offer yearly scholarships. It is open to members of the SCCC and the Swiss Community in Ontario. To find out more about the availability and eligibility criteria, please visit the Ontario Chamber s website at: 16 I NFO SUISSE

19 education, and its research institutions, as well as its superb infrastructure, transparent administration, and functioning finance and job markets, Mr. Bangser said. In other recent key investment criteria indicators, Switzerland ranks: 2nd after the US among the world s 60 most competitive countries in the 2013 World Competitiveness Yearbook published by the Institute for Management Development Number one for the third year in the Global Innovation Index 2013, published by Cornell University, INSEAD, and the World Intellectual Property Organization (WIPO). Overall innovation leader in the Innovation Union Scoreboard 2013, outperforming all 27 EU countries. First in Europe in the 2013 Index of Economic Freedom published by the Heritage Foundation/The Wall Street Journal NEW SWISS FACT BOOK AVAILABLE The 2013 edition of Switzerland s Foreign Trade Vademecum (Handbook) summarizes key economic indicators, foreign trade and investment figures compiled by the federal agency responsible for international trade and FDI activities, Mr. Bangser said. The handbook provides useful information for companies seeking to establish European, EMEA and international headquarters, manufacturing and service facilities. SELECTED SWISS STATISTICS FOR 2012 VS (Financials in Swiss Francs) GDP billion vs billion GDP per capita 74,140 (est.) vs. 72,905 Inflation rate -0.7% vs. 0.7% Unemployment 2.9% vs. 3.5% Population (2012) 8,036,900 SWISS EXPORT/IMPORT STATISTICS North America is Switzerland s third largest export market with 12.8% of the total $17.8 billion Swiss goods exported in Also ranking 3rd North America represented 17.2% of Swiss imports that totaled $18 billion in SWISS FDI IN THE US The Swiss Foreign Direct Investment in the U.S. report for 2012 notes that Switzerland is among the top investors in the U.S. The Swiss cumulative investment is $212 billion with $57 billion in value added and $9.1 billion spent on research and development. In addition, Swiss finance and insurance affiliates hold more than $1 trillion in assets. Swiss affiliates support 430,600 jobs in all 50 states as well as the District of Columbia and Puerto Rico with high concentrations in the financial, manufacturing and R&D sectors. TAX IMPLICATIONS OF TRANSFERRING PROPERTY AMONG FAMILY By Cunningham LLP Today we look at the income tax issues related to the transfer of property among family members; these range from errors of commission to errors of omission. First, why do individuals transfer capital properties (real estate, common shares) within their families? There can be a few reasons, for example the transferor wishes to reduce probate fees on his or her death, gift the property, transfer a beneficial title or income split with lowerincome family members. When a property is transferred without consideration (i.e. as a gift), the transferor is generally deemed to have sold the property for its fair market value (FMV). If the property has increased in value since the time the transferor first acquired the property, a capital gain will be realized and there will be taxes owed even though ownership of the property stayed within the family. For example, if mom owns a rental property worth $500,000 that she purchased for $100,000 and she transfers it to her daughter, mom is deemed to have a $400,000 capital gain, even though she O CTOBER/NOVEMBER

20 Business and Other News Actualités économiques et d affaires did not receive any money. There is one common exception to the deemed disposition rule. The Income Tax Act permits transfers between spouses to take place at the transferor s adjusted cost base instead of the FMV of the property. This difference is best illustrated by an example: Mary owns shares of Bell Canada, which she purchased 5 years ago at $50. The FMV of the shares today is $75. If Mary transferred the shares to her brother Bob, she would realize a capital gain of $25. If instead Mary transferred the shares to her husband Doug, the shares would be transferred at Mary s adjusted cost base of $50 and no capital gain would be realized. However if Doug sells the shares in the future, Mary would be required to report both the capital gain realized at that time and any dividends received by Doug on the shares from the date of transfer. What happens when no consideration is paid or consideration is less than the FMV? The answer is that in all cases other than gifts, bequests and inheritances, the transferees cost is the amount they actually paid for the property and there is no adjustment to FMV, a very punitive result. For example, if your brother pays you $5,000 for shares worth $50,000, you will be deemed to sell the shares for $50,000 but your brother s cost will now only be $5,000; whereas if you gifted the shares, his cost base would be $50,000. This generally results in double taxation when the property is ultimately sold by the brother. We strongly urge you to consult with us when contemplating the transfer of real estate, shares or investments. To read more about the potential tax nightmare of transferring a principal residence or making a transfer for probate purposes, visit beancounter.com/2013/05/transferring- property-among-family.html. For more tax and accounting information or if you have any questions, please follow Cunningham LLP on Twitter@CunninghamLLP or contact Paul Girolametto at paul@cunninghamca.com, by telephone at x254 or visit their website Quote of the Month Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations. Steve Jobs Bringing high-quality products to the world. It s a Swiss tradition. There s comfort in high-quality products. We should know. We export them. As the airline of Switzerland, we translate high quality into comfort on every ight by o ering service and hospitality you can count on. For daily ights from Montreal to Zurich, with connections to over 70 worldwide destinations, contact your travel agent or visit us on swiss.com 18 I NFO SUISSE

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