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FEBRUARY 2014 ISSUE 23 JERSEY S BUSINESS MAGAZINE STICK OR TWIST We take a look at Jersey s population policy Page 20 VIEW ONLINE AT BAILIWICKEXPRESS.COM FOOD DOCTORS AND DENTISTS Jersey s regulator checks the bill Page 34 PLEASE TAKE ONE The Business of Life How Durrell funds its essential conservation work READ THE FULL INTERVIEW ON PAGE 48 Jersey - Southampton 07 15 Departure No nasty baggage charges at check-in Fast-track security in Southampton Transparent pricing - what you see is what you pay NEW SATURDAY EVENING SERVICE Terms and conditions apply. Demonstrating a clear understanding of your commercial landscape. It s in our nature. The qualities you need in a local law firm come naturally to us. We provide a broad range of local legal services including property company and commercial trust employment and litigation. We have a flexible and commercial approach and are focussed on delivering outstanding client service. To find out how we can assist your business please contact Jonathan Hughes on 01534 504336 or email cilegal Bahrain British Virgin Islands Cayman Islands Dublin Guernsey Hong Kong Jersey London Luxembourg Shanghai Tokyo Information on the Ogier Group and details of its regulators can be accessed via our website. WELCOME FURTHER INFORMATION PUBLISHERS If you would like to appear in Connect have a story to tell or simply want to receive a copy then please get in touch with the publishers Bailiwick Publishing (LCI) Fox Building Second Floor Suite La Rue des Pres St. Saviour JE1 3UP Telephone 01534 887740 CONNECT ONLINE For all the latest news and classifieds straight to your inbox visit and subscribe to our daily news service. EDITOR James Filleul Email editor WRITERS Ben Qu r e Email ben Gwyn Garfield Bennett Email gwyn Paula Thelwell Email paula ADVERTISING Katrina De Jesus Telephone 01534 887740 Email katrina SUBSCRIPTIONS Email subscriptions DESIGN AND PRODUCTION Mark Jackson Email studio Artwork under 10Mb in size may be sent to this address. It s the issue where someone always goes home deeply unhappy. The optimum number of people who should The Business of Lif be living in Jersey e is divisive Jersey - Southam pton 07 15 corrosive and riddled with misconceptions. It s also the issue which underpins much States policy. FEBRUARY 2014 ISSUE 23 We take a look at Jersey s population policy Page 20 STICK OR TWIST JERSEY S BUSINESS MAGAZINE BAILIWICKEXPRESS. COM FEBRUARY S ISSUE PLEASE TAKE ONE VIEW ONLINE AT Jersey s regulator checks the bill Page 34 FOOD DOCTORS AND DENTISTS How Durrell funds READ THE FULL INTE RVIEW ON PAGE 48 its essential conse rvation work Departure No nasty baggage charges at check-in Fast-track security in Southampton Transparent pricing - what you see is what you pay NEW SATURDAY EVENING SERVICE Terms and conditions apply. One year ago we asked this question in Connect does prosperity mean more people Now we have an interim answer from the Council of Ministers yes and more means 325 a year. On page 20 of this edition the politician and civil servant behind that policy explain their reasoning and why they believe such precision can be applied... this time. The population debate opens up a fault line between those who want to see growth in the economy in order to pay the Island s bills and those who want to protect our quality of life. Proving that the two aren t mutually exclusive and are in fact exactly the same thing is the task ahead. This edition also includes an example of how it is possible to enjoy commercial success while still focusing on looking after those who need it. Durrell is well known globally for it s protection of endangered species but that work is underpinned by its considerable commercial activities which we take a look at on page 48. You ll find similar themes in our profile of an Awards for Enterprise winner which makes essential reading for anyone considering entering the 2014 event which has just been launched. Derek Hairon translated his love of the island and outdoor life generally into an award-winning business he describes his sliding doors moment on page 40. Finally the regulator sets out his plans for 2014 on page 34 the main market study for 2014 is into doctors and dentists fees two issues which are almost as controversial in Jersey as population numbers. This magazine can also be read online at Copyright Bailiwick Publishing LCI. All rights reserved. Reproduction in whole or in part without written permission is strictly prohibited. Views expressed by our contributors are their own. Editorial opinions expressed in this magazine are not necessarily those of Bailiwick Publishing. Bailiwick Publishing does not accept responsibility for the advertising content. While every effort is made to achieve total accuracy Bailiwick Publishing cannot be held responsible for any errors or omissions. James Filleul Editor Please recycle this magazine. Like Bailiwick Express on Facebook Follow us on twitter connectjersey FEBRUARY CONNECT 01 ON THE COVER NO ORDINARY DAY JOB Kelly Barker . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 48 REGULARS LOCAL NEWS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 04 APPOINTMENTS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 NEXT QUESTION Luke Smith . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 TECHNOLOGY Julian Box . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 UNPLUGGED Andrew Riseley. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34 SLIDING DOORS Derek Hairon . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 MUSING OF A MARKETER Sam Watts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 WHO S THE FOOL GLASS HALF FULL Dr Jason Lane. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 HERE S THE THING... ................................ ................................... 46 iSPY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53 40 14 54 28 56 DEADLY DIARY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 59 THE ADVISER Olaf Blakeley . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 60 SPECIAL REPORT If there was a handbook on how to best run a government it would probably say something like ...the eight months before an election campaign are not the best time to start talking about changes to population policy . Unfortunately that handbook doesn t exist yet or if it does no-one on the Council of Ministers has read it. They re about to reopen Jersey s longestrunning and least-productive political bunfight. Ben Qu r e reports . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 FEATURES CORPORATE SOCIAL RESPONSIBILITY RBC. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Skipton International . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 02 CONNECT FEBRUARY 12 26 CONTENTS 20 18 FEBRUARY 2014. CONTENTS ISSUE 23. 44 34 48 WANT THE LATEST BUSINESS NEWS TO COME TO YOU Scan the QR code and click to send us your email address. FEBRUARY CONNECT 03 NEWS Want this magazine delivered to your home or office Visit to subscribe Economy looking up - but worries remain over retail Signs of continued improvement in Jersey s finance and construction sectors have led to the most positive Business Tendency Survey figures to date. The numbers based on a survey of businesses across all sectors showed that 24% of firms were reporting more activity at the end of 2013 than in the previous quarter compared to 22% reporting less. The difference in the finance sector was much stronger with 29% of firms reporting a positive change compared to just 6% saying things had gone backwards. Crucially more than half of all finance firms expect to pick up more business in the future. But the news was not all positive the employment indicator in the finance sector dipped slightly and there was more bad news in the profitability and business activity measures for the struggling retail sector. The news comes on the same day that the UK Office for National Statistics has published unemployment figures that show the biggest quarterly fall since 1997 bringing the headline rate to 7.1% - just a fraction over the 7% target that the Bank of England set to flag up the prospect of an interest rate rise. Chamber of Commerce President James Filleul welcomed the figures but said that economic recovery should remain the top priority in 2014. He said Chamber welcomes the positive aspects in the most recent business tendency survey in particular the indications that our main industry finance is strengthening. Additionally after the deep problems of the last few years some more positive signs in the construction industry are very good news but there is much work still to do here (56% of firms were less profitable than in the previous quarter) and we would echo the FPP in urging major states projects to be brought though as quickly as possible that workflow is essential. Jersey to get finance ombudsman An ombudsman to resolve complaints against the financial services industry at no cost to the complainant has moved closer. More than four years after the States agreed to a Financial Services Ombudsman Law Economic Development Minister Alan Maclean lodged the legislation this week. It will establish a scheme to be jointly operated with Guernsey designed to determine complaints against providers of financial services quickly and with minimal formality. At present those seeking redress have to pursue complaints through the courts which can be a costly process. Run by the Office of the Financial Services Ombudsman (OFSO) the scheme will be funded by a levy on the financial services industry and by charging the businesses subject to complaints. The role of the ombudsman is to decide how best to proceed and to appoint appropriately qualified complaint handlers on a case-by-case basis. The ombudsman to be a part-time senior position will also be empowered to award compensation up to 150 000 and to assist the successful complainant in claiming compensation. Although based in Jersey staff and board members will come from both bailiwicks. The set-up costs are estimated at 183 000 with operating costs in the first year of 582 626 on a 50 50 basis between each jurisdiction s finance service providers. These costs are to be reimbursed from the industry levy. The OFSO will be a corporate body with a chairman and three to five board members. It is anticipated that the ombudsman and five staff members will deal with around 700 complaints a year and a high number of enquiries. 04 CONNECT FEBRUARY ENGAGE THE RBC EXECUTIVE SERVICES TEAM AT RBC.COM EXECSERVICES The value of investments may fall as well as rise. You may not get back the full amount that you originally invested. Making the most of everything you ve built requires the expertise of a wealth manager with global scope and industry-leading capabilities. With expertise in the disciplines of investments and trust services and offices in more than 20 countries around the world RBC Wealth Management is dedicated to providing comprehensive investment solutions that transcend borders. Learn more about our global capabilities at RBCWEALTHMANAGEMENT.COM JERSEY ENGAGE THE RBC EXECUTIVE SERVICES TEAM AT RBC.COM EXECSERVICES TM There s Wealth in Our Approach. The value of investments may fall as well as rise. You may not get back the full amount that you originally invested. BANKING CREDIT INVESTMENTS TRUST TAX CONSULTANCY CUSTODY FUNDS EMPLOYEE BENEFITS RBC Wealth Management is the global wealth business of Royal Bank of Canada and affiliates. TM Trademark(s) of Royal Bank of Canada. Used under licence. Above mentioned services are offered through Royal Bank of Canada or its affiliates. This advertisement does not constitute an offer of products or services to any person in any jurisdiction to whom it is unlawful for RBC Wealth Management to make such an offer. CA Nov 14 968 NEWS For news stories every day visit to sign up to our daily email news service Business is getting better Jersey Finance is welcoming the latest Business Tendency Survey which shows increased levels of optimism and profitability. The finance sector saw significant improvements in the latest quarter in a number of areas with the indicator for Business Optimism recording its highest level to date and Future Business Activity and Profitability reaching their highest levels since 2011. Geoff Cook CEO Jersey Finance said These latest figures from government are welcome confirmation of the recovery and growth that we have been seeing in the market place. The long-term outlook as far as employment in the finance industry is concerned is positive on balance with just over half of finance firms anticipating a rise in employment numbers in 2014. Profit expectations are also encouraging with 42% of companies reporting that they anticipate profits to increase in the first quarter of 2014 and over half of financial services firms expecting profits to increase over the course of the whole year. It is particularly interesting that the legal subsector is optimistic on long-term profits. It is pleasing to see such figures and we are hopeful that these upward trends can be sustained by maintaining our plans for the development of the finance industry the winning of new business in key markets and through the support of Government and the regulator. the leading international finance centres used for listings. The conference organised by the ChinaBritain Business Council was attended by more than 500 delegates. The event focused on the impact on the rapid transformation of both the Chinese and global economies and the significant opportunities created for British companies as a result. Geoff Cook Chief Executive of Jersey Finance said With the largest number of FTSE 100 companies registered outside the UK Jersey is one of the most efficient ways for Chinese companies to invest in the United Kingdom. A recent study by Capital Economics found that Jersey channels 118 billion of investment into the UK every year and with our efforts to increase our ties with China I can only see this increasing in the coming years. Aztec Group Sponsor The WOW Factor The Aztec Group is the headline sponsor of the annual talent event for De La Salle College known as The WOW Factor . It takes place on Thursday 13 February 2014 and was originally founded by two A-level students. It is now in its sixth year. The WOW Factor live final comprises of ten acts who perform one piece for the audience vote. The top three acts go on to perform a second piece to a panel of six local judges. This year s judges are John Gavey Aztec Group Sadie Rennard Constable of St Saviour Hannah Jacques DJ and producer Tessa Coleman actress and writer Charlie McArdle BBC Jersey and Tim Evans Musical Director. Aztec Group s Chief Operating Officer John Gavey said We are happy to be supporting a local community event raising funds for the school s newly formed Creative Arts Programme (CAP) with a retiring collection in aid of Age Concern who mark their 25th anniversary this year. The students put a great deal of time and effort into rehearsing their acts and I m very much looking forward to sitting on the judging panel. At the Aztec Group we run our own Audition Days every summer to see if students have the WOW factor to join us. We are always on the prowl for bright and exceptional talent and so it s great to be working with De La Salle College. 06 CONNECT FEBRUARY One third of Chinese companies listed in London have come through Jersey Jersey Finance attended the China Business Conference in London recently to emphasise Jersey s importance in enabling investment by Chinese companies into the UK. Before 2008 25 per cent of Chinese companies listed on AIM were incorporated in Jersey with the number now having risen to around one third. With the ability to trade shares directly through CREST and also as an approved jurisdiction for listing on the Hong Kong Stock Exchange Jersey is one of CERTIFICATED POLISHED DIAMONDS TANGIBLE ASSETS FOR YOUR PORTFOLIO info Please contact Richard Blampied (01534) 736182 Aurum D i a m onds L i m it ed. A l l r ight s r e s e r ve d NEWS Follow us on Twitter connectjersey JT to hit fund-raising target a year early JT has raised almost 30 000 to support Autism Jersey in 2013 taking them close to their three-year 50 000 target a year ahead of schedule. The company chose autism charities in the Channel Islands to support young people and adults on the Autistic spectrum including those with Asperger Syndrome. When they did so they set an ambitious three-year target of raising 50 000 but after just two years they have raised almost 49 000. Fundraising events have included a golf day (raising 10 000) and a hamper raffle (raising 7 000) and donated an hour s salary (raising 6 000) as well as a host of smaller events throughout the year. JT is also sponsoring a Kilimanjaro Challenge which will see 28 Islanders heading to Tanzania this month for a six-day trek to conquer the 19 336ft mountain. Nick Winsor Chairman of Autism Jersey said We are very grateful to JT for their support and for the extraordinary amount of money that they have raised. A huge number of people have given up their time as well as money to help us with the work that we do and we know that JT has more in store as we go in to 2014. Olympic success for Jersey physio A Jersey physiotherapist has been picked for the Winter Olympics to work with the United States ski team. Paul Frankham from Augr Physiotherapy will be mainly working with the Alpine Men s team in Sochi Russia to make sure they maintain their form. He has already been to three camps with the team to help prepare them for the big event as well as the World Championships in Schladming Austria off-season training camp in Queenstown New Zealand and the first world cup race in Solden Austria. He said he was honoured to be chosen I have been working with injuring prevention programmes leading up to the Olympics. It is really important to ensure that the guys are in top condition coming into the start of the season as their confidence at the start has a great impact on their performance throughout. Paul was introduced to one of the US Ski Team coaches training in New Zealand where he grew up. The United States had great success at the 2010 Vancouver Olympic Games with eight medals in Alpine skiing alone and Paul is hoping his team will be in winning form in Russia. 08 CONNECT FEBRUARY NEWS Like us on Facebook - BailiwickExpress The JTC Group acquires Herald Trust Company Limited The JTC Group has acquired a book of private client business from Herald Trust Company Limited which is no longer part of the Herald Group. In addition to purchasing the client book 27 Herald directors and staff based in Jersey have transferred to the Group s St Helier offices. The Group Chairman and CEO of JTC Group Nigel Le Quesne said The purchase of this book of business and the transfer of staff is part of our ongoing growth strategy and we are delighted to welcome our new clients and colleagues to JTC Group. Formed in 1987 JTC Group is a multijurisdictional independent provider of private client corporate and fund services. With a team of more than 250 people they operate from 15 jurisdictions around the world with offices in Jersey Guernsey Luxembourg the UK Switzerland the BVI Argentina Brazil New Zealand and the USA. Cryptocurrencies could disrupt traditional finance industry The C5 Alliance Group (C5) has started mining crypto currencies in order to be able to advise local businesses interested in this area. Since its formation in 2009 the success of Bitcoin has stimulated the development of many digital currencies. At the moment there are more than 70 established variations including Litecoin Peercoin and Primecoin all peer-to-peer digital and decentralised. The currencies are obtained by mining where the miner uses specialist hardware and software to solve complex algorithms and is rewarded by earning coins. With cryptocurrencies already widely exchanged for products services and traditional currencies interest from financial institutions and commodity traders continues to grow. C5 Alliance is now using specialist hardware to explore the mining process for various brands of cryptocurrency using an isolated environment to control security risks. Mark Loane Chief Executive Officer of the C5 Alliance Group said There are growing concerns that being decentralised cryptocurrencies have no bodies governing their registration or regulation and present serious AML (Anti Money Laundering) issues. We are positioning ourselves to be able to answer any questions Channel Islands businesses might have. It is also important that we all gain a clearer perspective on the future of cryptocurrencies. At present it looks like these currencies could be a game changer and really disrupt the traditional finance industries . For the discerning health conscious individual. Strictly Limited Founder Member Offer Now Released To book your free consultation call 614800 FEBRUARY CONNECT 09 NEWS Want this magazine delivered to your home or office Visit to subscribe Comments sought on new alcohol and licensing strategy The Council of Ministers has published the long-awaited draft Alcohol and Licensing strategy which includes proposals for a new licensing law. The document which is open to consultation contains a range of proposed actions to tackle the challenges that alcohol brings without negatively impacting those who drink sensibly or the licensed trade. It includes reviews of opening hours drink-drive limits and drinks promotions increased powers for police to close licenced premises in order to prevent crime and disorder and an improved licensing system including new licence categories and introduction of personal licences in addition to licences for premises. Assistant Chief Minister Paul Routier said The strategy aims to strike a balance between protecting people from harm while avoiding unnecessary restrictions on alcohol provision. It is a joint approach that recognises that matters relating to alcohol cut across the States of Jersey s departmental boundaries. Economic Development Minister Senator Alan Maclean said that the cross-departmental approach must recognise the need to support businesses with an equitable and transparent licensing system which was balanced by the need to reduce the harm caused by alcohol misuse. We need to develop a licensing regime that allows the Island s restaurants bars and clubs to flourish and play a key role in our economy and Island life he said Senator Maclean. The draft strategy is available for comment until 24 March on consult. A first for Jersey funeral care Gary Tye of De Gruchy s Funeral Care is the first local funeral director to receive a Diploma in Funeral Arranging and Administration from the National Association of Funeral Directors. Mr Tye received his diploma at a graduation ceremony held at Birmingham City University which endorses the qualification. He said he was very pleased to become the first funeral director in the Island to receive the qualification. Studying for the diploma was difficult at times. With no tutors available locally most of my study was done by distance learning with a few trips to the UK for study lessons. I have two young girls so juggling family work and studying was not easy. On achieving this qualification I have be able to enhance my knowledge on best practice policies and procedures within funeral care and this in turn this will enable us at De Gruchy s to provide the best quality of service possible for the families he said. De Gruchy s Funeral Care is part of the Channel Islands Cooperative Society and is a member of the National Association of Funeral Directors and the Funeral Planning Authority. 10 CONNECT FEBRUARY Investment Outcome Room to Roam Tuscany Italy N 43 46 2 E11 13 6 Where will your investments take you Your world isn t confined to a single set of geographic coordinates. Neither should your investments be. We search the globe to find outstanding investment ideas wherever they happen to be. Contact us to learn about the wealth management services we offer. 44 (0)1534 708090 offshore Investments can fall in value and you might get back less than you invested. To us there are no foreign markets.TM Canaccord Genuity Wealth Management is a trading name of Canaccord Genuity Wealth (International) Limited ( CGWI ) which is licensed and regulated by the Guernsey Financial Services Commission the Isle of Man Financial Supervision Commission and the Jersey Financial Services Commission and is a member of the London Stock Exchange and the Channel Islands Stock Exchange. CGWI is registered in Guernsey no. 22761 and is a wholly owned subsidiary of Canaccord Genuity Group Inc. Registered office 2 Grange Place The Grange St. Peter Port Guernsey GY1 2QA. NEWS For news stories every day visit to sign up to our daily email news service Co-op acquires majority share of pharmacy chain Mr Romeril said We are delighted to announce the strengthening of our link with the Co-operative. We have worked together for the last six years to consolidate and grow our pharmacy business and now is the right time to take our relationship to the next level. The Co-operative will bring new investment and opportunities to the business as well as providing security to the colleagues who have worked with us over the years. Entries wanted for Jersey awards Jersey companies are being urged to enter the premier event in the Island s business calendar. The Awards for Enterprise 2014 will be made on the evening of 13 June at the end of a weeklong series of events designed to showcase the Island s businesses. The deadline for submissions is 16 February. The Channel Islands Co-operative Society has acquired a 70% share in pharmacy shops in both Bailiwicks. Pharmacy Locale currently operates three pharmacies in Guernsey and five in Jersey two of which are located in Grand March St Helier and St Peter. All pharmacies will continue to trade as usual and no jobs are expected to be lost. The Society s Chief Operating Officer Mark Cox said We have exciting plans to further develop the pharmacy business in both Islands and our investment in Pharmacy Locale will enable us to deliver an additional range of benefits to our members. Pharmacies provide an essential service within our communities and we are pleased to be able to be part of this. Phil Romeril and Bryan Eden will remain within the business and take on senior manager roles while John Garner will retire. Between them they retain 30% of the business with 10% of shares each with the Society as the majority shareholder. The awards are run by Jersey Business and sponsored by a group of local companies including Condor Ferries JT and Greenlight. Andy Cook Chief Executive of Jersey Business said The Awards for Enterprise are very special and celebrate excellence among Island businesses and organisations large and small. Whilst winners and finalists take extreme pride in the recognition that they gain almost all entrants will state that it is the process of reviewing and then articulating their success story that has inspired further development or improvement within their own organisation. 12 CONNECT FEBRUARY Employees. Employers. Grants up to 5 000 now available for skills training. Skills Accelerator provides financial support for employee training to enable the growth of businesses in Jersey. SkillUp A p p ly A Skills Jersey Initiative NEWS For news stories every day visit to sign up to our daily email news service Airline raises over 25 000 for charity in just six weeks Lion s Pride which came down in bad weather on Jersey s north coast in November last year. It was raised by the airline donating 5 from every return booking between Guernsey and Jersey and from donations from passengers to the Blue Airlines Lion s Pride Appeal. One anonymous donor very generously gave 1 000. The Founder of Channel Islands Air Search Roger Dadd said the crew of Lion s Pride was astounded at the speed with which Blue Islands responded. He said The generosity of everyone at Blue Islands is about far more than this superb donation as it has been a great boost to the morale of everyone at Air Search. We are faced with a monumental fund-raising task and very much hope it will give a lead to other companies and organisations whose support would be most welcome. Rob Veron managing director of Blue Islands said I am thoroughly delighted that we are able to give Air Search such headway into their vital fundraising. As we further extend our relationship with the Channel Islands Air Search we look forward to showing our continued support in the future. Donations can still be made to the appeal on the following justgiving site blueislands-lionspride A campaign run by Blue Islands has raised 25 932 for Channel Islands Air Search. The money will go towards the 1 million repair costs for the charity s search plane Call for overhaul of Employment Tribunal Jersey s Employment Tribunal has been branded incompetent by the head of a long-established local business after the Royal Court found that it had erred in law . Voisins Department Store Ltd Chairman Gerald Voisin called for the system to be overhauled after the tribunal wrongly ruled that Voisins had unfairly dismissed an employee for theft and incorrectly made an award for wrongful dismissal. Following an appeal against the ruling the Royal Court found that the tribunal had not applied the legal test correctly and that if it had it must have reached the opposite conclusion . Mr Voisin said The Royal Court judgement is a welcome vindication of Voisins employment practices but it is of great concern to me that the employment tribunal can make such terrible decisions. The judgement found that the tribunal had misunderstood the required scope of the employer s investigation. The Royal Court said that the tribunal s panel members had substituted their own standards of what was an adequate investigation for the standards that could be objectively expected of a reasonable employer in the circumstances prevailing at the time of the dismissal...which is not the correct approach . 14 CONNECT FEBRUARY NEWS NEWS RE.VIEW Nautilus Group opens overseas offices As part of its global growth strategy Jersey based Nautilus Group has opened offices in Hong Kong and Mauritius. The addition of Nautilus Fiduciary Hong Kong Limited and Nautilus Fiduciary Mauritius Limited to the group sees the company strengthen its team by 24 bringing the number of Group employees to 89. A record year for Skipton International Skipton International ended 2013 on a record note with December their biggest ever month for mortgage completions in Jersey. The Channel Islands bank increased its new mortgage business in Jersey by 27.5% over the whole year and expects to see its lending book in the Island overtake its Guernsey lending in 2014. Skipton International has been the largest provider of new mortgages in Guernsey for four consecutive years. The bank also became the only mortgage lender to support the Jersey States Deposit Loan Scheme set up to enable Islanders without a large deposit to purchase their first home. The Writing s On The Wall So many speeches so many words - but how do you tell which are said most often Connect presents a new feature (powered by the clever folks at that gives a graphical summary of what the movers and shakers are saying. This month we analyse Chamber President James Filleul s speech at the most recent Chamber lunch... 16 CONNECT FEBRUARY NEWS For news stories every day visit to sign up to our daily email news service Caterer wanted for Town Park Transport and Technical Services are looking for someone to run a kiosk in the Millennium Town Park. Since opening in 2011 the Town Park has become a very well used facility. As well as people enjoying the park facilities particularly the playground there are also a lot of people who use it as a pleasant route into town. TTS is currently seeking expressions of interest to establish a year-round catering business. The successful caterer will be expected to provide their own kiosk but they will be able to connect into mains water drainage and electricity services. Industry group elects new committee The Channel Islands group of the Chartered Institute of Public Relations has a new committee with the previous vice-chairman Adam Riddell of Crystal PR taking over from Steve Falla as chairman. Joining Adam on the group s Executive Committee are national press office manager for Specsavers Tom Bradshaw who retains his role as treasurer and media manager at Guernsey Finance Mark Oliphant who becomes secretary. The eight other committee members are Harriet Black Lisa Downes Natasha Egr Tracey Ellis Leonie Herv Guy Le Maistre Gemma Long and John McCarthy. New peer-topeer lending business Sancus Holdings Limited has been launched with 23 million of proprietary capital raised mostly from local entrepreneurs and professionals. Sancus is a Jersey-based Peer-to-Peer (P2P) secured lending operation which concentrates on traditional P2P transactions and focuses on working with entrepreneurs and businesses that are creating local job opportunities. Dedicated Security Team ISO Accredited 100% Data Encryption Data security and privacy are of paramount importance to all organisations. At Calligo we offer our clients a level of security which is unrivalled within the Channel Islands. With a dedicated security and compliance team ISO accreditation covering all aspects of our cloud services and a unique ability to encrypt 100% of our client s data at all times Calligo meets the most stringent of security criteria. To learn more about the most technically advanced and secure offshore cloud service provider visit calligocloud info FEBRUARY CONNECT 17 Find the latest jobs online at Aztec Group appoint Jersey Business Non-Executive Director adds to Board The Aztec Group has recently appointed Stephen Hill as a non-executive director to support continued growth and future expansion. Stephen has extensive experience in media and online businesses having been the youngest ever CEO of the Financial Times from 1996 and 2002 and subsequently CEO of the Internet start up Bet fair. He also served on the boards of Channel Four Television Limited Royal Sun Alliance Insurance Group Psion PLC. and as Chairman of the Board of Interactive Data Corp in the USA. Edward Moore Aztec Group s CEO said I am delighted to welcome Stephen to the Aztec Group and look forward to his contribution in helping to shape the future of the Group. Stephen has a wealth of experience working with companies that have delivered successful growth and we look forward to leveraging off his experience as we continue to build the Aztec Group business. Stephen is currently an independent director of IG Group plc and also an independent director of SandAire Ltd a multi-family office private wealth manager. He is the Chairman of the Royal National Institute for Deaf People and a member of the Advisory Board of the Cambridge University Judge Business School. Jersey Business is recruiting a Deputy Chairman to support the existing Board and management team as the organisation enjoys strong growth at the beginning of 2014. Jersey Business is an independent body established two years ago by the States to provide support and advisory services for new and established businesses. As confidence in Jersey s economic recovery builds it is seeing a marked increase in the demand for its services so the Board has decided additional resource and expertise will benefit the organisation and its clients. Chairman Peter Funk said We are very encouraged by the growing number of businesses and people we are assisting which gives a clear indication that the economy is improving. We provide a free confidential service to individuals and businesses to help them create or develop enterprise in Jersey. The existing Board is exceptionally talented and is to be congratulated for the work it has delivered so far. We feel that additional resource is necessary to continue to maintain the momentum we have generated. The position of Deputy Chair is being advertised locally and the recruitment process will be overseen by the States of Jersey Appointments Commission. Applicants will need to demonstrate a history of successful organisational leadership and strong financial acumen with an understanding of the Island s economic challenges and an unimpeachable track record within industry. Growth for HR Now team Ceri Maltwood has joined the HR Now team as an HR consultant. A qualified member of the Chartered Institute of Management and the Chartered Institute of Personnel and Development she brings with her more than 15 years experience within the financial and commercial sector. HR Now owner and director Becky Hill says she is delighted to welcome Ceri to the team She is a respected and professional HR manager acknowledged for her calm and composed nature. Her experience and skills will complement and add value to the range of services we provide. As companies re-shape themselves to take advantage of the opportunities that are now arising from the economic recovery managing existing staff and recruiting the right team members through that change is critical she said. Ceri said having worked for a number of blue chip organisations in an HR role she was looking forward to applying that knowledge across a broad cross section of industry sectors. Working within a small but highly professional team of experts at HR Now is an exciting prospect she said. Ceri Maltwood Justin Maloney Tim Houghton Stephen Hill and Edward Moore 18 CONNECT FEBRUARY APPOINTMENTS Senior appointment at Standard Bank Justin Maloney has joined Standard Bank s International Private Clients Investment division Melville Douglas as a senior portfolio manager. He is joining the expanding Private Clients investment team at an exciting time for the division. Last year the Jersey team integrated with their South African colleagues under the Melville Douglas brand one of the premier investment offerings in the South African marketplace. He said The longstanding Jersey-based investment team is ideally placed to take full advantage of the global investment opportunities available to our clients. In particular with the integrated team we are able to offer a broader wealth of experience in the rapidly expanding African economies at a very interesting time for the continent and potential investors. He will report to the Head of Portfolio Management Chris Stead who said Justin is a highly qualified and experienced investment professional who has an excellent track record in managing global assets. His wealth management and African experience in particular will be valuable additions to our growing team as we continue to focus on providing New role at RBC Wealth Management RBC Wealth Management has appointed Tim Houghton as the Head of Business Development for the British Isles and the Caribbean. In this newly-created role Mr Houghton will be responsible for developing and leading a consolidated business development function across the Channel Islands UK and Caribbean representing RBC Wealth Management s full suite of products and solutions. Co-ordinating RBC Wealth Management s distribution strategies across its key target markets he will act as the key facilitator between the business manufacturing solutions and distribution activities. Based in Jersey he joins the British Isles and Caribbean Operating Committee and report to Stuart Rutledge CEO RBC Wealth Management British Isles and Caribbean. He has had a long and successful career at RBC since he joined in 1999. Since 2011 he has been the Head Private Client Wealth Management Offshore heading up the distribution teams in Jersey and Dubai and the banking platform in the British Isles. a bespoke investment service in Jersey that is aligned to both our local and international clients needs whilst producing excellent returns. DED RY N XTE BRUA E FER th FE OF 28 L NTI U It s all FREE There is no catch So sign up at today and turn your unwanted items into cash The Bailiwick Express Classifieds SALE... FEBRUARY CONNECT 19 SPECIAL REPORT How many people should live in Jersey There is nothing that people in Jersey like to worry about more than immigration and that s a fact. Here are some numbers from the Jersey Annual Social Survey Morethanthree-quarters(77%) of Islanders are fairly or very concerned about immigration. Morethanhalfofthoseaged55or over are very concerned about the current levels of immigration. Morethanaquarter(26%)wouldthink immigration to keep taxes low was either not very or not at all acceptable. currentStatesimmigrationtargetis325 peopleperyear(tobeclear thesefigures represent overall immigration that s people comingin minuspeopleleaving).The targetof325peopleperyearwasfirstput inplacein2009bytheStates asanattempt at finding a middle ground of sustainable population increase aimed at supporting businesses while not overloading the Island s infrastructure. Here s what actually happened Immigration since 2007 2007 1 400 2008 1 100 2009 500 2010 700 2011 600 2012 500 Let s put that another way two years before the target was introduced immigration wasactually430%ofwhattheStateswere aiming at. One year before things had improved to the point where it was only 338%.Fortunately thereaftercamethebiggest recession in living memory and in the four yearsfrom2009to2012 theaveragehas been...575.ThelastCensusin2011revealed that for the first time more than half of all Islanders were not actually born here. So what we have is a firstly a population very worried about immigration levels and secondly a target that a failure. Let s add another ingredient to this mix we re getting older. Not just you and me the average age of the population is going up. It s a sad fact of life but it s also a ticking economic timebomb. As we get older we need more services from the government mainly in terms of healthcare and pensions. What is particularly scary about this demographic shift is that at precisely the same time that theolderpopulationrequiresmorepublic services there will be fewer people of We recognise that people are very protective and want our Island to continue to be beautiful and prosperous. But there are challenges with that and we know that having a lot of migration into the Island is not right... We have got to manage the number of people coming into the Island. That is the challenge that we have to face up to. Morethanhalf(56%)are very concerned that immigration will take jobs away from locals. While you re digesting those numbers here s a few more. The first one is simple the 20 CONNECT FEBRUARY If there was a handbook on how to best run a government it would probably say something like ... the eight months before an election campaign are not the best time to start talking about changes to population policy . Unfortunately that handbook doesn t exist yet or if it does no-one on the Council of Ministers has read it. They re about to reopen Jersey s longest-running and least-productive political bunfight. Ben Qu r e reports. FEBRUARY CONNECT 21 325 is the target it is the plan to work to. We have got to have flexibility but over a number of years the average should be 325 SPECIAL REPORT working age paying tax to fund them. That s scary stuff and it will mean significant changesto a)thestandardsofhealthcare wewillbeabletoexpect orb)theamount oftaxwewillbepaying orc)both. To put that in context Ifwefreezeimmigration(whichistosay weliterallyhaveaone-in one-outpolicy likeacrowdedpubonNewYear sEve) thenthepopulationovertheageof65 willdoublebytheyear2035 whilethe working population supporting them willdropby13%.Theoverallpopulation in2035willbearound102 000. Ifwestickwiththetargetof325new immigrantsperyear(andactuallykeeptoit) then that older population will still double but the working age population will be roughly thesame(66 000in2035comparedto67 000 now).Thetotalpopulationwillbe111 000. Ifwegotoanimmigrationtargetof500per year(whichisstilllessthantheannual averagesincetherecession) theolder population doubles and the working populationgoesupby2 000by2035.The totalpopulationhits115 000 whichisabit like adding the population of St Lawrence andStClementtowhatwe vegotnow. So that s your backdrop angry Islanders failing policy a ticking economic timebomb. Into this intoxicating brew we must add the final perfect ingredient politicians. The strength of public feeling on the subject and the demands of businesses to be able to bring in skilled staff make this a subject that politicians cannot ignore. It also makes it a subject on which there simply isn t an answer that will keep everyone happy. The politician in charge of this subject AssistantChiefMinisterPaulRoutier says that things are going to change. Along with his colleagues he wants to undertake a major long-termexercisetoaskthepublic to consider the facts consider the issues and then decide what kind of island Jersey reallywantstobe.That sthebasicquestion. But the answer to it will set the tone for a raft of other policies including the way we handle the size of our population. In the meantime ministers are proposing an interim population policy that would stick to the325limit.Butimportantly accordingto SenatorRoutier thistimetheyhavethetools to make sure that it will mean something. We recognise that people are very protective and want our Island to continue to be beautiful and prosperous. But there are challenges with that and we know that having a lot of migration into the Island isnotright saidSenatorRoutier. We have got to manage the number of people coming into the Island. That is the challenge that we have to face up to. We have looked at what we currently have intheStrategicPlanandinthepast wehave hadatargetof325peopleperyear.Thathas not worked particularly well. But now with the new Housing Law in place we have got the tools to be able to achieve it. We also know that people get married people are born here and people come back all of those things influence our population besides migration. But the tool that we have got now to control access into work is an important tool. That is the tool that we can use and that we are using as effectively as we possibly can. 325isthetarget itistheplantoworkto. We have got to have flexibility but over a numberofyearstheaverageshouldbe325. ThenewtoolthatSenatorRoutierandhis colleagues are putting so much faith in is the newControlofHousingandWork(Jersey) Law2012 whichgivestheStatesmore opportunity to review the staff licences to employ newcomers that businesses hold and apply more pressure to recruit local people. That s a complicated issue in itself unemploymentfigures(1 810peoplewere outofworkatthelastcount)arestillathigh levels even if they have dipped slightly sincethetotalwaspushingever-higherin thesecond-halfof2012.Butatthesametime the economy is weak and businesses are still struggling and have been reluctant to pay for training of local people when experienced and qualifiednewcomersareacheaperoption. The Social Security department has been successful in running schemes to get unemployed people back to work but for the first time in a very long while unemployment is actually a real issue in Jersey and it s one that Senator Routiersaysisonministers minds. We have been putting a lot of effort into putting people back to work he said. Therearequiteanumberofpeoplewho FEBRUARY CONNECT 23 SPECIAL REPORT are able to work in Jersey and we have to get those skills up to make sure that they have the skills for the opportunities that are out there. We have got to encourage people particularly in hospitality that they have to be keen to employ people who are already in the Island. Onehotelmighthave30%non-locals andanothermighthave60%.Wehave got to find a middle ground so that they cancompeteequally.Wecannowlookat those licences with the higher figure and encourage them with a review of their licence to show them that people in the Island who can be trained up to do that work. Businesses have to recognise that if people are here and not working that they are being paid benefits. That is supported by tax so in a roundabout way this will keep the cost of government down. TheStates DirectorofCorporatePolicy PaulBradbury saidthatthetargetof325 newcomers per year would be applied flexibly. He said The planning assumption that has satunderthesepoliciesis 325.Thatisnot the same thing as saying when we get to 325thatisitfortheyear .Wearesayingthat is the target we will aim for and encourage. We plan for that as a maximum. We would notfeelwehadfailedifthefigurewas100. What I mean is that we have to be pragmatic reallyengender.BothSenatorRoutierand MrBradburyareconfidentthatthenew regulations are making a difference. We now have the new law and I am fairly optimisticaboutwhattheJunefigurefor2013 will look like said the Senator. We now have the legislation we are being a lot firmer on licence applications and we are encouraging businesses to employ as many local people as they possibly can and if they want to employsomeonewhoisnotqualifiedthey need to show to us that these skills are not in the Island. They have got to really prove that these skills are not available here. That is one of the main changes that is going to help. MrBradburyadded Oneofthemeasures in place is about looking at businesses who employ more immigrants than their competitors and looking to secure local employment when the immigrant workers leave to create a more level playing field. Under the old law the licences could only be reviewed every three years now they can be reviewed as and when we want to review them. Where an employer is a very good local employer and more of a workforce are local than competitors those licences will not get pulledin .Theaimistotargetthebusinesses thatarenotquiteasgoodatemployinglocals. All of that might make sense to a group of people sitting down and calmly looking at the facts. But there are some problems there first off this is not a subject on which people stay calm for long secondly there are vocal groupstoboththerightandleftoftheCouncil ofMinisterswhothinkthatthey vegotit completely wrong and aren t shy about saying so thirdly there s an election coming which is hardly a guarentee of sensible discussion and fourthly opinions on this subject are inflamedbywidely-heldmisconceptions. SenatorRoutiersaid Peoplehavebeen crying out for a population debate. The media have been champing at the bit about it and the Social Survey was saying that this is a hot topic. We recognise that this is a very very big piece of work and that is why we have taken the two step process. We want to put in a framework for the new CouncilofMinisterstotakeonsothatthey can drive the matter forward. But that is probably18monthsaway sothereisaneed to have this interim debate in the meantime. Where an employer is a very good local employer and more of a workforce are local than competitors those licences will not get pulled in . The aim is to target the businesses that are not quite as good at employing locals. and sensible. If there is an application that comes in that would exceed the number for a very good reason we cannot just refuse it. All of this hinges on confidence in the new system to actually make a difference something that the last system didn t 24 CONNECT FEBRUARY We should not underestimate the challenges of limiting migration. Individual businesses have very real and pressing concerns but it isourjobasthePopulationOfficeandthe Housing Advisory Group to prioritise these applications and as a government to support training and development of local people into these jobs instead of immigration. It s also a culture change for the community. A few years ago a person coming through education would not necessarily have been encouraged to go into hospitality. They would be encouraged to go into the finance or legal professions. But now that is changing there are young people going into hospitality now and into retail too. The Senator seems confident perhaps unduly so that the public will look past the passingofa100 000populationthreshold anydaynow.GiventhattheChiefMinister Ian Gorst was one of those who thought that the population should be limited to the 100 000capinapre-electionsurveyin2011 that point is not an inconsiderable one. ButSenatorRoutiersaysit snotas significant a milestone as is made out. I would be surprised if we were not over 100 000now hesaid. Youhavetothink backtothe1960sand1970sandinthe summermonthswehad130 000people here. We have fewer visitors now but the point is that the Island has experienced those sorts of numbers before. I personally do not see it as a toxic number. Wehavegottogettothislong-termquestion of what do we want the Island to look like. We have not got the story out right about the effects are of demographic change over the years and the need to have a buoyant economy to fund all of the services that peoplewillrequire.Thatissomething that hopefully this debate will inform. Whenpeoplegetinvolvedinthatlongterm plan they will hopefully see how all of the different parts of this fit together. AndMrBradburyagreed Thisaffectsallsorts of things the ability of a business to recruit and the availability of housing the amount of green space and the infrastructure that we need such as schools and the hospital. The reasonthatwewantaninterimPopulation Policyisthatweneedaproperperiodof time and engagement with the public to come up with a policy and a vision for Jersey as a whole. That doesn t mean putting population at the forefront but it means asking what sort of Island do we want to livein andworkingbackfromthat. FEBRUARY CONNECT 25 CSR Embedded within Island life Our position as one of the Island s largest private sector employers is not one we take lightly. Pure numbers do not always equate to real impact which is why we always strive to lead by example whether that means entering teams for events like the Swimarathon or supporting individual endeavours within the community. or many people in Jersey RBCWealthManagement isahigh-profileemployer and supporter of some of the largest environmental projects and fundraising events.TheseincludeRBC seight-year commitmenttotheLionsClubofJersey Swimarathon and the creation of a new WetlandVisitorCentreoverlookingSt Ouen sPond fortheNationalTrust. F We are always grateful when sponsors offer vital financial support to our initiatives but their approach is very different. Any donated funds are supplemented with an invaluable commitment of time in the long run-upto duringandaftertheeventeach year which helps energise the Island s business community and their families. ParticipantsfortheSwimarathonare drawn from a wide selection of the Island s community but with a special focus on Jersey s schools community groups and corporate employees. Through the year RBCWealthManagementcommitstime energy and financial support to helping communicate each element of the event to the Island s population from a colouring competition for primary school children to inviting corporate teams across the island tocompetefortheRBCChallengeCup. Our position as one of the Island s largest private sector employers is not one we takelightly.Purenumbersdonotalways equatetorealimpact whichiswhywe always strive to lead by example whether that means entering teams for events like the Swimarathon or supporting individual endeavours within the community. Another element of our global commitment tocommunityworkistheRBCBlueWater Project.Launchedin2007 thisinitiative Whether we are volunteering our time or helping to raise awareness for worthy causes we value the opportunity to partner with local organizations such as the Lions ClubandtheNationalTrust whoaddress the issues that matter most to Islanders. The Swimarathon is recognised as the longest-runningcharityeventinJersey.Last year ssawalmost3 500swimmerstakepart raising 110 219ofthe 3millionthathas been raised for local charities since it began. The annual event was first introduced by the LionsClubofJerseyin1972andRBCWealth Management sinvolvementwasconceivedas awayofsupportingtheLionsClub svision for a truly inclusive Island charity event. LionPeterTabb whospearheadsthe event s organisation commented The sponsorshipfromRBCWealthManagement in the past eight years has been outstanding. RBC Wealth Management celebrated 50 years in Jersey last year. Over this half century it has become an integral part of the financial industry a proud contributor to the local economy and an active member of the community as Stuart Rutledge CEO RBC Wealth Management British Isles and Caribbean explains. isaten-yearglobalcommitmentofC 50m to help preserve fresh water resources for futuregenerations.ThroughtheProject RBCwasabletoawardasubstantialgrant to the National Trust for Jersey for the developmentofthenewWetlandCentre. Once open the centre which is funded by major grants from the Tourism Development FundandtheRBCgrant-willofferan unrivalled opportunity for Islanders and visitors to see and learn about the wetlands and the wildlife that it fosters without adversely affecting the development of local floraandfauna.Itwillprovideaunique learningenvironment andahands-on experience for children and adults alike. The project has been a complex one requiring amongstotheractivities the careful capture and rehoming of the wildlife in and around the site of the visitor centre volunteer time from staff and families as well as a fundraising event in the form of anartexhibition-aprojectundertakenby renownedJerseyartistAnnaLeMoineGray who spent a year meticulously studying birds and capturing them in their natural habitat. The importance of the Wetland CentrefortheIslandisunderlined byNationalTrustforJersey sChief ExecutiveOfficer CharlesAlluto Natural wetland areas are in steep decline globally. Increasingly those that are left such as our own here in Jersey are becoming arks for indigenous and migrating wildlife. Our wetland is a critical part of the Island s identity and its preservation and support has never been so important he said. We are keen to make a real difference by addressing the important environmental issues that directly affect the future of Island life which is why we were excited to lend our support to the National Trust. As well as being great spots for wildlife healthy wetlands benefit people by cleaning the water that flows into them and helping to prevent coastal flooding. It is no wonder that so many employees have been keen to volunteer their free time to the project. Mostrecently 25volunteersfromRBC WealthManagementworkedalongside a team from the National Trust to help integratethenewWetlandCentre into the surrounding environment by planting a green roof on the site. While we are proud of the achievements in2013 wecanalwaysdomore.Thefuture of our business is inextricably linked to thewell-beingofthebroadercommunity and we look forward to building on thesesuccessesin2014andbeyond. FEBRUARY CONNECT 27 CSR Corporate Social Responsibility different things to different people It s a term that was born in the 1960s at its most basic it covers the legal and moral responsibilities of a company. Currently as the Managing Director of Skipton International Jim Coupe explores Corporate Social Responsibility (CSR) is most often used in relation to a company s positive actions in the community. ynicsmightarguethatCSR is just window dressing an insincere opportunity for companies to look as though they are doing nice things for the communities in which they operate to distract from their business or a way of leveraging customer opinion in their favour. Skipton Open Studios provides the opportunity to visit artists studios across the Island as well as interactive art courses and installations in and around St Helier. In previous years the Jersey Arts Trust brought in shipping containers to the Weighbridge and hadthempaintedandusedaspop-upstudios. This year I can promise an exciting alternative as the heart of the Open StudiosmovestotheRoyalSquareand CCAGalleriesInternationalclosebyin Snow Hill. There are also going to be some wonderful tours to look forward to with more than just art as your reward plus an international element to the work on show. Dates for your diary this year are 19to22June CCAGalleries InternationalandRoyalSquare 28to29June openstudios inthewestoftheIsland 5to6July openstudiosintheeast. The Skipton Open Studios wouldn t be possible without the hard work and organisation of Jersey Arts Trust but I think the Trust would agree that it would also not be possible to achieve what we have without our involvement. Yet it s certainly not about blowing our own trumpet. We enjoy Skipton Open Studios just as much as everyone who participates and we all personally value being able to makeacontributiontoourislands.CSRis verymuchatwo-waystreet andtotakethe cynical stand that it s just a company trying to look good is to completely ignore the fundamentals of human nature and our desire to be a valuable part of our own community. C However that negative and shortsighted view ignores the great benefit that many businesses do in the societies in which they exist. Local sports would not be able to survive in the form they do without corporate sponsorships and imagine the impact on the London2012Olympicswithoutthearound 1billionofsponsorshipmoneyitreceived. OfcourseCSRanditsbenefitswillmean different things in different communities and to various companies. It can range from direct financial help to staff participation through the lending of expertise or simply time. WefirmlybelieveinCSRatSkipton International that is a leftover from our mutual heritage and is part of the fabric ofourbusiness.AsaChannelIsland bank our staff as well as our customers are a part of the islands and so taking an active part in local life is essential to us. OneofourmostsuccessfulCSRinitiatives in Jersey has been the Skipton Open Studios event.Forthethirdyearwearesponsoring thiscommunity-wideinitiativeand supporting the Jersey Arts Trust. Since we became involved it has grown significantly. Last year saw a record number of artists taking part and the number of people visiting the various art studios trebled. Foranyonewhohasmisseditbefore We firmly believe in CSR at Skipton International that is a leftover from our mutual heritage and is part of the fabric of our business. As a Channel Island bank our staff as well as our customers are a part of the islands and so taking an active part in local life is essential to us. FEBRUARY CONNECT 29 Luke any good tips for improving my cash situation There are seven main sources of improved cash flow. Customers are the first place most business owners look and the most obvious thing is to chase down the people that owe you money. This is often just hard graft and there is huge amounts of literature on the internet about the normal ways of getting the cash out of customers quicker. So I suggest for tactics on quicker debt collection use google. I ve heard it s pretty good. There are however a couple of more unusual tacticsthatwillhelpgetyoupaidquickerby customers that I have seen work recently. Thefirstisto changethegame byrequiring deposits or getting paid upfront. When we discuss this in our business development meetings the initial reaction of owners is nervousness. It s up to you to make that call but my experience is that our owners have been pleasantly surprised and it has not affected prospect conversion ratios. The second is to offer significant discounts for early settlement.Ifyouareabusinessthatquotes competitively against others then people will look at thepost-discountpriceandassumetheyhavetopay quickly.Oftenbusinessesoffer5%discountsor5% penaltiesforquickorlatesettlementrespectively. These never tend to work as people just pay the invoiceirrespective.Butifit s30%...nowthat s worth going after and everybody knows it including the customers. Suppliers are another source of cashflow. Two yearsagoIwroteinChamberOnlineaboutthe business benefits of paying on time and I maintain that. So I am absolutely not suggesting that you pay outside of terms. What I am suggesting is perhaps negotiating new terms. You could say to them that if you can agree volume discounts and increase sales to your customers everybody wins Another option is to use less by being more efficient and identifying those parts of your product or service that customers don t value and not buying them. You could just pay less by negotiating discounts. Not easy but times are tough for most and business is business. You will also have some assets. It may be that you can increase the return or cash flow on those assets through better bank deposit rates dividend generating investments or by better exploitation of them.Perhapsevenasaleoftheonesyoudon treally use that effectively. Technology is moving incredibly fast and there are now ways of reducing staff and IT costs dramatically byembracingcloudtechnologies andoff-the-shelf software solutions like Xero for accountancy and Office365forwordandexceldocumentstorageand email. Lots of businesses in the world have the same problems as you and industry specific software solutions are being developed so fast that there is already likely to be an answer to your problems out there. The tricky bit can be finding it and implementing it but the prices are surprisingly low. Outside of your own business there are other sources of cash. The States for example You could pay less tax by structuring your business in the most effective way. Whilst there is often an upfront cash investment provided the investment pays itself back within a time frame you are happy with it s a bit of a no brainer. The States are also now looking to help with training grants such as Advance to Work schemes andtoalesserdegreetheInnovationFund. Lenders can often help bridge the gap from FebruarytoAprilaftertheChristmascashflowis used up. Banks... are generally a bit unhelpful unless you ve got security and patience. It s not the relationship manager s fault so don t blame them. It s not always the case obviously but the Jersey approach of a few years ago has well and truly gone. There are however an increasing number of finance companies providing new solutions to age old problems as the laws change and asset finance debt factoring and private finance are all viable alternatives to the bank provided you negotiate a good deal. You could also potentially find cash from new investors or existing shareholders but if cash is tight yournegotiatingpositionwon tbegreat.Finally there is the real lender of last resort family. But that couldmakeforanuncomfortableChristmas2014 So seven sources of cash some easier than others to arrange. Go get some Luke Smith MD of accountants Purpose delivers straight answers to common business questions. Be careful he is blunt uncompromising and if you are sitting too comfortably you may be in for a rather bumpy ride. If you have a question for Luke please e-mail askluke bailiwick 30 CONNECT FEBRUARY ATTRACTIVE RETURNS WITH SAVINGS ACCOUNTS FROM SKIPTON INTERNATIONAL MADE WITH YOU IN MIND When investing your money in a deposit account attractive interest rates and friendly efficient service is a winning combination. Skipton International Limited is an award winning local bank dedicated to providing high levels of service and backed by the peace of mind provided by the UK s fourth largest building society. For more information on our attractive range of savings accounts call our friendly and dedicated team at Skipton International. CALL 01481 727374 PO Box 509 Fairbairn House Rohais St Peter Port Guernsey GY1 6DS Skipton International Ltd is registered in Guernsey (30112) and is licensed under the Banking Supervision (Bailiwick of Guernsey) Law 1994 as amended. Skipton International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for qualifying deposits up to 50 000 subject to certain limitations. The maximum total amount of compensation is capped at 100 000 000 in any 5 year period. Full details are available on the Scheme s website or on request. To help maintain service and quality telephone calls may be recorded. Technology. BringyouownDevice(BYOD)is coming is your business ready he rapid proliferation of mobile devices in the workplace is seen as inevitable to many IT leaders. It s also not just one device as most people have more than one and will just expect all of them to be able to connect to their company s systems and data as well as their personal information. T andalsofor67%offirmswith1 000to4 999employees. How does this impact the smaller businesses within Jersey Well like most trends things often start with the big guy but rapidly disperse into all areas of business large and small and the general percentages of employees using their own device within your organisation will already be high potentially compromising your clients privacyaswellascontraveningourDataProtectionlaws. So now is the time to act and to help I ve listed a few areas of mobile device usage that you need to consider putting in place within your business. There s no sense pretending it isn t happening or saying We don t let our employees do that. The truth is they re doing it already and will continue to burrow non-compliant devicesintoyournetwork withor withoutyourpermission.AnOctober2013reportby Worksharehighlightsmorethanhalf(62%)ofknowledge workers use their personal devices in the office. BYODisespeciallyprevalentinlegal(77%) sales (76%) andmarketing(72%)departments.Employees in administrative roles are the least likely to use their owndeviceforworkpurposes withonly18%stating that they use their mobile device or tablet for work. As far as mobile habit statistics go the fact that most employees(81%)accessworkdocumentson-the-gois far from shocking. But unfortunately most companies don tprovideanenterprise-gradefile-sharingalternative so72%ofthoseworkersareresortingtounauthorised freefile-sharingservices accordingtothereport. By2015 mostverylargeenterpriseswillhavetoprovide more structured and formalised support for employees who elect to use personal mobile devices for work includingsmartphonesandtabletPCs saidBrownlee Thomas ForresterResearch inastatement. We[have] learned that supporting more types of mobile devices and platforms will be a critical or a high priority during the next 12monthsfor73%offirmswith5 000-plusemployees 32 CONNECT FEBRUARY Create an effective usage policy before you procure technology To effectively leverage mobile device management (MDM) technology for employee-owned devices you still need to decide on policies. These policies affect more than just IT they have implications for HR Legal and Security. Since all lines of business are affected by a BYOD policy it can t just be created by your IT team. There s no such thing as the right BYOD policy but here are some areas you should consider Devices What mobile devices will be supported Only certain devices or whatever the employee wants AccordingtoForrester 70%ofsmartphonesbelongto users 12%arechosenfromanapprovedlist and16% arecorporate-issued.Some65%oftabletsbelongtousers 15%arechosenfromalist and16%arecorporateissued. Inotherwords usersinmostcasesbringtheirowndevices. Data Plans Will the organisation pay for the data plan Will you issue an allowance or will the employee submit expense reports TECHNOLOGY way for users to enroll. You need to ensure the process is simple secure and configures the device at the same time. Look for a solution that allows users to be able to follow an email link or text that links to your MDMplatform whichinturn createstheprofile on their device including accepting your AUA. FromanITperspective lookfortechnology that has the ability to enroll existing devices in bulkorforuserstoself-enrolltheirdevices.You also need to authenticate employees with a basic authentication process through your existing corporate directories such as Active Directory. When new devices try to access corporate resources they shouldbequarantinedandITnotified.Thisprovidesyour ITteam serviceproviderwithflexibilitytoblockorinitiate a proper enrollment process with approval steps. By Julian Box CEO and founder of Calligo Whopaysforthesedevices Forsmartphones 70%paidthefullprice 12%gotadiscount 3% paidapartialamount andin15%ofcases the companycoveredthefullprice.Withtablets 58% boughttheirown 17%gotacorporatediscount 7%sharedthecost and18%wereissuedandpaid forbytheircompanies.(Source Forrester 2011) Compliance What regulations govern the data your organisation needs to protect Security What security measures are needed (passcodeprotection jailbroken rooteddevices antimalwareapps encryption devicerestrictions) Applications Whatappsareforbidden IP scanning data sharing Dropbox Agreements There should be an Acceptable UsageAgreement(AUA)foremployee devices that will access corporate data. Services What kinds of resources can employees access--email what about wireless networks should it be the standard network or a specially created one Privacy What data is collected from employees devices if any A clear policy on what personal data will by default have to be collected and what won t. When you create your policy you need to ensure a frank and honest dialogue takes place about how devices can be used and what IT can realistically achieve in supporting them. Ensure separation of corporate and personal data To ensure a successful roll out and on-going management of BYOD s personal information like photos music and personal apps should be isolated from productivity apps. Keep it simple again and ensure corporate apps documents and other materials are protected by your solution technology allotherdatashouldn tbevisible to your IT teams and if the employee decides to leave the organisation then personal email apps and photos should be untouched by your system s remote wipe of corporate data. Manage Data Usage BYOD changes how you look at communications and should remove the need to manage complex communications systems but most companies still need to help employees manage their data use in order to avoid excessive charges. If you decide to pay for the data plan you will want a way to track this cost and usage. If you are not paying you may want to help users track their data usage and suggest ways to improve it. You want and should be able to track in-network and roaming data usage on devices and generate alerts if a user crosses a threshold of data usage. You also should ensure you educate your users onthebenefitsofusingWi-Fiwhenavailable. AutomaticWi-Ficonfigurationshouldbedefault and helps ensure devices automatically connect toWi-Fiwhileincorporatelocations. BYOD is here to stay and businesses within Jersey shouldlookquicklyathowtotakeadvantageofthis new trend to ensure they stay competitive both from an employee retention and a productivity perspective. The above areas are just a few points on what you should be looking at. The key to successful use of BYOD is to start now keep it simple and work with your employees. FEBRUARY CONNECT 33 Keep it simple Nothing causes non-compliance faster than complexity. Once you identify devices to enroll you should look to leverage technology that allows for a simple low-touch What s a fair price In each edition of Connect we enable someone in the news to speak directly to you in their own words... Unplugged. What you are about to read is a transcript beyond minor changes to punctuation and syntax to aid clarity these words come directly from the person who uttered them. This month we sit down with the Regulator or to be exact the Chief Executive of the Channel Islands Competition and Regulatory Authorities Andrew Riseley. Recently his work has focussed on how much you pay for your shopping and he is soon to start work on doctors and dentists bills too. Late 2013 also saw his office lose a court battle with JT over landline costs. James Filleul asked him to start with his recent investigation into food bills Unplugged. Andrew Riseley The principal findings out of the study are twofold. We have done an exhaustive analysis of differences in price at supermarkets that are represented both in the ChannelIslandsandtheUK actually the difference in price between storeshereandintheUKisquite modest.Well lessthan10%which I think is a figure that s less than most people would have expected. But there s another angle to the price comparison we have done where we have looked at what we ve called the real life shop . Various employees includingmyself fromCICRAhave gone to each of the grocery retailers intheChannelIslands andtoa range of grocery retailers in the UK (wehadacolleagueintheUKhelp usout) tryingtodothecheapest shop possible and the difference thatyoufindbetweentheChannel Islands and the UK there is bigger. That s mainly because many of the discount grocery retail outlets that are present in the UK aren t present in the ChannelIslands.Andwethinkthat exercise helps to reveal the fact that for certain groups of consumers they arelesswell-placedintheChannel Islands than they would be in the UK. WearerestrainedintheChannel Islands from being able to have the full range of grocery retailers that they have in the UK and that s a physical fact rather than a function of competition. What we do observe though is that given that there is this group of consumers that are arguably better served in the UK than they would be intheChannelIslands theremightbe steps that could be taken particularly around the planning system to encourage the entry of another retail outlet at the discount end which we think could enhance choice for consumers and increase competition. James Filleul Do you think your investigation lays to rest this allegation that food retailers in Jersey are ripping off consumers AR I think the evidence that we have reviewed and the assessment we did of price differences between the retailers that are active here and their affiliates or subsidiaries in the UK was exhaustive. We looked at a thousand items for each ofCo-opandWaitroseand500items foreachoftheM&Sfranchises. Soitwasadata-intensiveexercise andaveryresource-intensiveexercise both for us and for the retailers. If the difference in price when you look across such a broad range of products islessthan10% andwhenyoutake account of the fact that while we haven t been able to definitively state what the difference in cost is we have observed that there are clearly costs that you bear as a retailer in the ChannelIslandsthatarehigherthan intheUK-particularlyinrespect oflabour-ourviewisthatyes you couldn t conclude that ripping off 34 CONNECT FEBRUARY FEBRUARY CONNECT 35 36 CONNECT FEBRUARY UNPLUGGED is going on. One of the things we said at the outset was that we wanted to provide transparency to consumers and hopefully we ve done that. One of the statements we make as part of our report is that consumers can have a degree of confidence in the market because it s delivering outcomesintermsoflike-for-like comparisons that are reasonably similar to the UK and as I say I don t think that s necessarily a result that everyone would have expected. JF What did you mean about using the planning process to encourage discount retailers AR The planning system in the UK got amended to take greater account when making retail planning decisions of the benefits of increased competition and we think that s something that at the margin could help here too. There isn t evidence to say that compared to somewhere like the UK we have less grocery space per head of population so I don t think that s the driver for it it is more an observation that having increased choice particularly at the discount end would fill a real gap. JF Is your work now done in terms of groceries AR There s a couple of things that wehaveon-going.Iguessthemain one is one of the other observations we make around labelling and price promotions. We think there is room for a voluntary code of conduct on the part of the retailers with respect to price displays and it is something we are going to continue to discuss with the retailers hopefully in conjunction with Trading Standards andtheJerseyConsumerCouncil. JF I understand you are now going to look at doctors and dentists fees AR The main market study that wehavelinedupfor2014willbe into primary healthcare and just as grocerieswasdoneonapan-Channel Island basis we plan to review primaryhealthcareonapan-Island basis as well. Groceries was mainly driven by the Economic Development Department wanting more clarity on prices.Primaryhealthcareismore inspired by a desire on the part of theCommerceandEmployment Department in Guernsey to have again greater visibility for consumers about the prices they pay for primary healthcare services. It s one of the areaswhereweintheChannel Islandsarequitedifferenttomany other parts of the world here you pay for the doctor and it s a big expense and it s something that peopleliketheJerseyConsumer Councilhavelookedatinquitea bit of detail in recent years and so there s a good body of useful evidence for us to build a market study on. JF What happens next over telephone line rentals following your court case last year AR Wholesale access to the fixed line networks remains a key area forusin2014.Onthebackofthe Court sdecisioninlate2013we are considering the way forward. We re using the fact of there being a need to reconsider our decision as a useful opportunity for us to checkwhether inthetwo-and-ahalf years since we embarked on the process of introducing wholesale line rental anything had changed because we want to make sure that the products that are introduced are practicable and easily introduced by the operators JT here and Sure in Guernsey. So we are using the process of pausing as an opportunity to assess what the best way forward might be. JF Do you have any regrets about the way that process has worked to date AR I think both us and JT and in fact theCourt havecommentedonthe fact that it was well the phrase that s often used is unedifying spectacle ofawholly-ownedStates trading corporation in litigation with a body that s accountable to the States and it s important that we redouble our efforts to avoid that happening in the future. One of the things that we are considering internally and we have been discussing with JT and will discuss with them more and with other operators is whether there is a greater role for the States in setting telecoms policy. WholesaleLineRentalwasan instance where some of the argument was about the method of implementation but a core part of JT s argument was that it shouldn t be happening at all and that debate doesn t happen in other parts of Europe because theEuropeanCommissionwould say ...we have a regulation or a directive and there will be this productintroduced -andthat snot a decision of a regulator that s a decision of the executive. So there s potentially room for government to have a greater role at determining what the direction of travel is and then a role for the regulator to implement rather than the The planning system in the UK got amended to take greater account when making retail planning decisions of the benefits of increased competition and we think that s something that at the margin could help here too. FEBRUARY CONNECT 37 UNPLUGGED regulator and the operator expressing different views about policy. So if one of the eventual outcomes of theCourtcaseisadifferentwayof conceiving how policy might work then I think that s a good thing. JF Will 4G be introduced in Jersey in 2014 AR We re conscious of the fact that it s necessary for that process to take placequickly.Forvariousreasons we re now behind the UK and behind placesliketheIsleofMantooandit s reallyimportantthatwemovequickly to put spectrum into the hands of the operators so they can start to use it for the benefit of consumers. At the moment we have a consultation out on the best means of going about allocating that spectrum. On the basis of the responses we had to our initial consultation we re in the happy situation of there being more operators who want to get spectrum than there is spectrum available. That therefore means that the process of trying to decide who gets what is slightly more protracted because you re having to make choices. The fact that there are operators who are interested and really want to use the spectrum is ultimately a goodthingfortheChannelIslands economies and consumers but it does mean that there will be choices that will have to be made. Spectrum is a valuable resource and we want to make sure that it s in the hands of those who are going to use it for the best interests ofChannelIslands consumers. The indicative timetable we have in our consultation talks about ourbeautycontest beautyparade happening during the first bit of quartertwo-sothatwewillhave a recommendation to go to Ofcom who are ultimately responsible for allocating the spectrum by theendofquartertwothisyear. JF Where are you up to on connectivity costs for businesses AR We are currently discussing with the operators and looking at what steps might be taken to make that marketworkmoreeffectively.My expectation at the moment is that probablyearlyMarch we llhavea consultation document that will go out essentially setting out what we ve found and where we think we need to go and again during probably quartertwo startofquarterthree we d be finalising the steps that need to be taken to improve outcomes in the business connectivity market. There is a great deal of concern amongst some business consumers about the prices they pay and it s probably the area where arguably the disparity between prices here and prices in other jurisdictions is greatest. There may well be good reasons for that in terms of costs but it is an area that we re prioritising because businesses are consumers too and with both Islands wanting to increase the amount of digital services in the economy the ability to offer competitively-pricedconnectivity is a really important aspect of the Islands economic future. JF What do you see as your main goal this year AR I would genuinely like to get to the end of business connectivity with an outcome that demonstrates a rigorous analysis and hopefully bring to an end the current degree of consumerdisquietabouttheprices that are paid for that. There are two ways to do that. You can either take regulatory action to address that disquietoryoucandemonstrate that actually these services cost a lot because they cost a lot to produce. But to me that s an area we have had on agenda for a while and it s important that we bring that to an end because as I said it s important for the islands economic future. 38 CONNECT FEBRUARY I would genuinely like to get to the end of business connectivity with an outcome that demonstrates a rigorous analysis and hopefully bring to an end the current degree of consumer disquiet about the prices that are paid for that. FEBRUARY CONNECT 39 PaddlingyourownKayak We all face major decisions in our careers. Do I take this new job or stay where I am Can I take the plunge of going into business for myself Should I pack up and move to the other side of the world It s these big decisions that tell us most about our values our ambitions about who we really are - they re the moments in which our pasts and futures divide. With the Awards for Enterprise 2014 now underway one of the last year s winners Derek Hairon tells Paula Thelwell why he decided to take to the water with his own business. If Derek Hairon was asked to draw up a list of pros and cons about his life one would far exceed the other. He is one of those fortunate souls who gets up every morning looking forward to whatever the day may bring and who he may meet and in his job that could be anything and anyone. Derekistheco-founderandownerof Jersey Kayak Adventures and Jersey Walk Adventures having turned his passion for outdoor pursuits into successful business venturesin2005.Andhehasn tlooked back since except to check that those he is leading on water and on land are keeping up. No two days are ever the same and how many people can say they ended up working in their childhood playground 40 CONNECT FEBRUARY No two days are ever the same and how many people can say they ended up working in their childhood playground Derek s mother hailed from St Helier and his father from Gorey. Today he lives in the oldfamilyhome100ftfromthebeachinSt Clementwheretheearthmoveseverytime astorm-poweredwavehitstheseawall. When he was growing up his mother kept three changes of clothes ready for the many times he would fall into a gully while playing at low water with his mates. Just like generations of Jerseymen before him the sea and the Island s maritime history are in his blood. WhenIfirsttookwalksintheRamsarsite I assumed people would know all about the sea but it soon became apparent that they didnot hesaid. Peopleseetheseaasa magical and mystical force that moves in mysterious ways. All that knowledge that I grewupwithhaddisappearedinthe1980s andbythe1990salltheoldguyswithbeards who used to fish at low water had gone. Yet when the time came to leave the Island to pursue further education in the UK Derek chose to study Applied Social Sciences and Social History at LanchesterPolytechnicinCoventry. Like many of his peers when working life beckoned he tried the finance industry but decided it wasn t for him. He even took a job in Guernsey before going back to college in Staffordshire to train as a teacher which led him to teaching water sports in London at a time when Ken Livingston was leader of the thenGreaterLondonCouncil andinvesting significant amounts of money in sports. Inhisuniversitydays-alongwithtwo matesfromJersey-hewasthefirstto circumnavigate the coast of Ireland by kayak (theytook56daystocompleteit).Healso undertook an arduous exploration not for thefairweathertypesornovicekayakers- oftheOuterHebridesandFaroeIslands. Intheearly1980s whenMPNormanTebbit -theSecretaryofStateforEmploymentin MargaretThatcher scabinet-wasfamously misquotedadvisingtheunemployedto get on your bike and look for work Derek was ready for another adventure but this time on land. Together with his first The driving force was that I did not want to reach the stage where I found myself saying what if or if only So I decided to take the step and go for it take the chance and see what happens wife hespent18monthscyclingaround Europecovering20 000kilometres. He returned home to Jersey took another look at the finance industry but instead went to work for Health and Social Services where he became a manager. I was there long enough for them to give me a watch when I left and I ve still got it he said. A new working life began to beckon in 2004.Havingbeeninhisjobforalmost 18years hebegantothinkitwastime for a change. Taking adventure tours in Canada theAlandIslands andNepal among other places and sea kayaking in local waters made him realise the potential of exploiting what Jersey had to offer. The driving force was that I did not want to reach the stage where I found myself saying whatif Ifonly SoIdecided to take the step and go for it take the chance and see what happens he said. At first he and his business partner GaryKemp balancedparttime work and waterborne activities before taking the final step. Basically the idea came about one day when I was sitting out on the water and realised what a fantastic coastline we have got it is just amazing and wondering why NOVEMBER CONNECT 55 FEBRUARY 41 42 CONNECT FEBRUARY SLIDING DOORS no one else was doing something like I had seen in other countries he said. We decided to put our money where our mouths were stop talking about it and give it a go. What we said is that we should be encouraging people to never stop exploring. Today a regular team of three including Derek runs the business with sessional staff taken on for the busiest times of the year.In2013theyundertook2 500tours on the water from novices to experienced kayakers including visitors to the Islands theoldestbeing85yearsold. He has no regrets as borne out by his GP sdiagnosisthatthathewasoneofthe few people he knew whose blood pressure went down when they started a business. Like any business there is the constant requirementtokeepupdatingqualifications so Derek has no time to rest on his laurels not that he has ever been the kind of person to do so. He has also become an ambassador for Jersey by guiding national and international travel writers and television crews around We decided to put our money where our mouths were stop talking about it and give it a go. What we said is that we should be encouraging people to never stop exploring. the Island. It is a role he greatly enjoys and not just with the media and visitors. Guided walks to Seymour and Icho towers are always a pleasure especially when he can impart his extensive local knowledge and when locals join the walks to often discover something he didn t know. Derek s change of working life led to another landmark when he met his second wife Trudie a German freelance travel writer who has made her home with him in the Island. Forsomeonewhospendshistimein the great outdoors his horizon is wider than most. Derek is one of those Islanders who went away for education and to work but who came home better able to appreciate what the Island has to offer. Formeitisreallyimportanttomove around and travel as it does open your eyes and you can pick up new ideas. That is how I first saw how to run an outdoor activities business and how I could make it happen he said. FEBRUARY CONNECT 43 MUSINGS OF A MARKETER And the winner is... Connect s Marketing columnist Sam Watts has been committed to all things marketing and brand for more than 20 years. Founder and director of Channel Islands communications agency Orchid she is passionate about the power of communication. Oscar nominations are out and the noms have seven weeks to choose a frock start the detox and practice their I don t mind losing face. Long before nomination day marketing gurus will have turned their attention to the second biggest promotional challenge on the planet after Superbowl. More than one billion viewers will tune in on 2 March to see if being a Wall Street wolf beats 12 years as a slave or battling gravity tops being hustled. My money s on being a slave for what it s worth. One BILLION viewers. Gone are the dayswhenMa Pa Billy PollyandFidothe dog snuggled down on the sofa to watch uninterrupted for the duration of the show. This year many will have a computer on their lap and a mobile in their hand. They ll be watching online following on Twitter posting onFacebookandsnappingonInstagram whilst putting the kettle on during the more boringawardcategories(somethingswill neverchange).Manywillreturntothe three-pieceandskiptheadsaltogether. This throws up a number of winners and losers in the brand stakes as well as the glossy frock andtuxbrigade.One-dimensionalpromotions are going replaced by fully integrated campaigns that run before during and after the event. Manybrandscan taffordtobatinthebig ad league but will take to the Twittersphere to newsjack or eventjack the Oscars that is capitalise on the popularity of the event to magnify their brand message. Health warning if you re going to do this you ve got to make it smart and clever not desperate and crass. Last year there were nearly nine million tweets about Oscar night with mobile phone companies leading the charge. sprint mobile have to take home a gong for their Lincoln may not know what a cell phone is but even he can appreciate Truly Unlimited data while on the Sprint network . Why He s dead Whereas USCellularpitcheditabsolutely right light-heartedlylinkingtotheirbrand with ads and tweets that gently poked fun at the excessive seriousness of the night. With USCellular youwon tbemis rable TheSky may fall but we won t drop your call and Our 4G devices look hot without the spray tans . But for the best in integrated campaigns we have to turn to the Superbowl. The really smart brands make the most of their 4millionadslotbybuildingintegrated belters that engage customers before during and after the game in paid earned and owned channels.MarketingOscarsinthisspacego to Volkswagen for their Darth Vader homage in 2012whichwasreleasedonYouTubebefore the game and triggered millions more online views shares and comments after the event. Oreo were instant winners for their famous blackout tweet You can still dunk in the dark whichgeneratedmorethan15 000retweetsin thehoursaftertheevent.Theirquickreaction to the Big Game power cut put them at the centre of the conversation resulting in millions of pounds worth of coverage and credit. Understand your media new and old use it well and the opportunities for brand gain are immeasurable. So whowillbethewinnerson2 March We llbesettlingdownwithour popcorn our tablets and our mobiles to be entertained by the tears the embarrassing speeches the frocks and the brilliant brands that grab our attention. Bring it on.... If you have a question for Sam please e-mail sam bailiwick There was only one brand winner last year -mustardproducer GreyPoupon withtheir resurrected Excuse me but do you have any GreyPoupon ad.Itmaynotbefamiliartomany ofyoubutwhatthebranddidin2013waswidely accepted to leave all other brands standing. They released a teaser video online a week before and their Oscar night ad was actually a trailerforatwo-minutevideoontheirwebsite meaning viewers had to go online to conclude the story. Nice move. Interactive online content and a sweepstake helped continue the story. The result Anincreaseof345%inconsumption duringtheOscarsperiodand170%during Oscarmonth(source BrandInsights). Why were they winners Because they grabbed the integrated opportunity with both hands and made it work really well. Brand Insights suggest they were the only advertiser on the night to see an increase in consumption. the first to know Jersey news and classifieds wherever you are - online on your mobile and on your tablet Connect sinsiderinthefinanceindustrysitsatadesk somewhere near you. He s unspinnable unbiddable and very strictly anonymous. Don t expect marketing speak don t expect arosyfeelinginside anddon texpecttolikehim(we renot entirelysureabouthimourselves).Onlyexpectthis every month he ll bring you the unvarnished truth from the heart of the finance industry... Following the experts It s that time of year when economists fund managers and other assorted grifters fall over themselves to appear in the financial media proffering their unique wisdom on where punters might make a few quid in the year to come. Forthosewhosufferthevicissitudesof trying to make a living taking financial bets with other people s money based upon an expert s analysis the real fun comes in reviewing these highly rewarded gurus predictionswiththebenefitof12months hindsight(fornootherreasonthanitmakes usfeelbetteraboutourowninadequacies. And let s face it much like politicians if they are presumptuous enough to think they know better than everybody else they are due the oddkickingwhentheyareprovedwrong). Byron Wein is one such character. He luxuriatesinthetitlesofViceChairman of and Senior Advisor to Blackstone a leading global investment and advisory firm. Hehas inahugelysuccessfulcareer coauthored a book with George Soros been the most widely read Wall Street analyst and remains one of the most powerful people in US financial markets. He publishes an annual list of ten predictions which receive huge media attention. And whilst the list is generally more interesting than the usual safe soporific outpourings from the large investmentbanks(whosefearofbeing wrong far outweighs any desire they might havetoberight) heproveshisabilityto get things just as wrong as the rest of us. Among his predictions for 46 CONNECT FEBRUARY 2013 weweretoldthat US financial stocks would have a rough time reversingthegainsof2012(TheS&P 500 sfinancialsindexroseby33%). TheChineseShanghaiCompositeIndex would come alive and shares would rise morethan20%(Theindexfellby7%). TheearningsofS&P500stockswould disappoint and the Index would trade below1 300(Theindexopenedthe yearat1 426androseinaprettymuch straightlinetoclosetheyearat1 848). EuropeanEquities insympathy with the US market would fall by10%(Theyroseby18%). Climatechangewouldcontributetoanother yearofcropfailures.Cornpriceswouldriseto 8perbushel(Theyactuallyfellfrom 7to 4 inwhatfarmersdescribedasa recordcrop ). Wheatwouldriseto 9perbushel(it fellfrom 7.8to 6)andcattlewouldrise to 1.50perpound(itstayedaround 1.30 afterfallingto 1.18mid-year). The price of Gold would reach 1 900perounce(Itfellfrom 1 680 to 1 200attheyear-end). Other predictions tended to be more geopolitical in nature including a forecast of rising tensions over Iran s uranium enrichment as sanctions diplomacy and a weak economy would failtocoercetheleadershipintocooperation.(PerhapsbestifByrondoesn t DEFINITION The Fool A privileged position held at an ancient king or queen s court the fool was not taken seriously by the high and mighty but was the only person able to speak the truth to power. The Greater Fool Theory The belief held by one who makes a questionable investment with the assumption that they will be able to sell it later to a greater fool . havehisfingerontheredbutton). Fromalistoftenpredictions that sapretty bad hit rate for one of the supposed brightest people in the game and whilst none of them (perhapsIrannotwithstanding)havepotential consequencesbeyondafewrichpeople losing a veritable ton of cash they represent whattheFool soverlyenthusiasticyoung assistant might refer to as a pretty epic fail . Of course making a few incorrect guesses about financial markets is hardly in the league of other badly placed historic forecasts. We are hardly talking about miscalculations like Steve Ballmer s (Microsoft sCEO)whothoughtin2008that there snochancetheiPhoneisgoingto get any significant market share or indeed errorsofthemagnitudeofChamberlain s letter guaranteeing peace for our time . But if we re paying a high price for an expert opinion surely we should expect them to at least beat the outcome of a flipped coin For what it s worth Byron Wein s predictions for the year ahead include TheUSstockmarketwillfallby10% beforerisingagaintoendtheyearup20% TheJapanesestockmarketwillriseby 18%beforefalling20%laterintheyear Chinesestockswillfallagain Cornwillfallto 5.25abushel Bitcoinwillcollapse AndtheFool sinvestmentadvicefor 2014 Betitallonred andobviously win or lose I still want paying. Photography by Gary Grimshaw 48 CONNECT FEBRUARY N O O R D I N A R Y DAY J O B No Ordinary Day Job. The commercial side of conservation Not everyone shares a workplace with gorillas Komodo dragons and ring-tailed lemurs. But that s just one of the things that makes life at Durrell special for its Head of Marketing and Commercial Kelly Barker. It s her job to make sure that the money comes in to fund the vital conservation work that Durrell undertakes across the world. And given the recent recession that s no mean feat. Ben Qu r e went back to nature to see how its been done. It costs about 15 per day to feed Badongo the Durrell Wildlife Park s silverback lowland gorilla. He s one of 1 500 residents of what is effectively the world s most select and exclusive hotel where every guest requires their specially-formulated food prepared in a certain way their living quarters specifically arranged to their taste and their climate very carefully controlled. The park is just one pillar of what the Durrell Wildlife Trust is all about it salsoaninternationallyrenowned training organisation and runs conservation programmes looking after endangered species around the world. The trust is an organisation that Islanders are immensely proud of and we hear a lot about the inspiring work that Durrell does both here and abroad. But what we hear less about is what sits behind that organisation. Specifically how it generates the money to run one of the world s leading conservation organisations and how it maintains and expands the powerful Durrell brand around the world to build awareness of its vital work. That responsibility falls to Kelly Barker Durrell s Head of MarketingandCommercial.As befits an international organisation like Durrell it s an astonishingly wide-rangingroletakingonawardwinning social media campaigns responsibilityforfive-starcamping sites dealing with the media andcomingupwithever-more imaginative ways to raise funds in an economic climate where there is little money to spare. AsHeadofMarketingand Commercialmybriefistomake sure that the brand is as widely spread and as strong as possible. We need people to know why conservation matters and how we re truly meeting our mission of SavingSpeciesFromExtinction . I m fortunate that I have very good people working for me but I do recognise the need to be a strong leader. Thejobrequiresadynamic approach and you have to think creatively and while it s important to be creative I feel that my main skill is spotting great ideas and translating them into action. I m a member of the senior management team but you might just as easily see me in my Durrell gilet doing our charity projects orsky-divingdressedas aring-tailedlemur orourcurrent initiativedoingthePaleoChallenge which combines intense fitness classeswithahunter-gathererdiet. We are still in the midst of our Lonely Dodo campaign. It s an innovative digital campaign that we launched last year that has given us international exposure plusover300 000viewsofthefilm. Whileourheadquartersisherein Jersey and we get great support from Islanders this is only a small part of what we do as a whole. We FEBRUARY CONNECT 49 N O O R D I N A R Y DAY J O B have a three pillar approach the WildlifeParkisthewindowtoour work but we also have two training academies oneinMauritiusand one here in Jersey. We ve trained over3 500studentssincewe openeditin1978.It simportant to support the development of capacity within local communities and partner organisations to build a long term future for conservation. Through our conservation arm werunnearly50conservation projectsin18countriesacross theglobe.Myresponsibility runs across the three pillars. And responsibility is the key word. What s obvious from Kelly is not just the enthusiasm and passion ofworkingforaworld-leading conservation organisation that is making a huge difference in the protectionofcritically-endangered species throughout the planet but also the sense of responsibility that comes with that. When Sir David Attenborough told a fundraising dinnermarkingthe50thanniversary ofthetrustin2009that theworld needs Durrell he wasn t just making the case for donations he was making the point that without Durrell things would look very bleak for some very threatened species. It s for that reason that while it may not be motivated by profit it s still an organisation that has to think commercially about how it can generate the resources to carry out the work that desperately needs doing. You have to see opportunities you have to see what is out there and you need strong drive in a commercial role like this said Kelly. While our admissions generate approximately 1millionperyear we cannot rely on that revenue stream alone to maintain the park and carry out our mission. We have to find what works not just commercially but from a fundraising perspective. Our admission and membership prices are cheap compared to other parks and zoos. We probably achieveinexcessof 600 000 annually in membership and that is really important because it gives us some security. We are looking after and caring for some of the world s most endangered animals in the park. To give you an example itcosts 15perdayjustto feed Badongo our silverback gorilla. Wehavearound1 500animalsinthe park that need the best care possible so we have to work hard to make sure that we generate the funding. Wegeneratenearly 2million of income from admissions retail catering and accommodation. We hadareasonable2013.Theweather was fantastic which really helped admissions. The major challenge for us is that if you look at other zoos or parks they might have a catchment area of a million people within an hour s drive. We don t have that luxury so we have to be more clever commercially like the sorts of things that we have done in the last couple of years. Wehaveincreasedourunique visitorstothewebsiteby31% last year. When it comes to digital media I think we are pretty well aheadofalotofourpeers.For example we relaunched the adoption scheme leading up to Christmas.Wereallyconcentrated on the user experience with a lot of research and have had lots of great feedback from people. We are being innovative about finding what is going to work for us and for me digital is the way forward. We did notice a big difference in2012.Peoplehavenotgot the same levels of disposable income and if they are coming for a day out which is always the first thing to go they are being frugal about what they spend. On the corporate side we did notice a difference. Organisations werestruggling IknowthatCSR is important but we definitely saw a reduction in corporate support. That has picked back up for us now because we have put some real effort into it and making sure that we dothatsidewell.ThesedaysCSR is all very well but organisations expect mutual benefit so you have to make sure that you deliver We generate nearly 2 million of income from admissions retail catering and accommodation. We had a reasonable 2013. The weather was fantastic which really helped admissions. The major challenge for us is that if you look at other zoos or parks they might have a catchment area of a million people within an hour s drive. We don t have that luxury so we have to be more clever commercially like the sorts of things that we have done in the last couple of years. 50 CONNECT FEBRUARY tangible benefits for that support. The corporate area is one of the points at which Kelly s marketing and commercial roles intersect and it s an area that Durrell has taken forward in recent years with a new welcome centre caf andshop aswellas developments in accommodation. She said It was a tough job before I took on the commercial side. It has afforded me the most amazing opportunity and the chance to work with some pioneers in conservation people who are actually changing the face of conservation and that makes all of the hard work worthwhile. Thecampingisfive-star.Youwake up at 4 am with the lemurs calling outside and it feels like they are in there with you but you don t go andstaythereforpeaceandquiet. There s a flushing toilet shower cubicleandawood-burningstove they ve made it really comfortable. Aside from that commercial side the marketing element of Kelly s job is about spreading Gerald Durrell s message which is as relevant now as it was on the day that he opened the doors of the Durrell Wildlife Parkforthefirsttimein1959.They have had some noticeable success recently thefour-minuteLoneliest Dodo animation featuring the voiceofStephenFryandAlistair McGowanhaswonfiveawards and been nominated for the UK CharteredMarketingInstitute awardinthenon-profitsector. Shesaid BrandDurrell hasto have more exposure. Gerald Durrell s books are amazing in terms of people knowing about Durrell but they are not on the school curriculum anymore. It s important now to target a younger demographic and social media is brilliant for that. We had dogs when I grew up but apart from that I didn t really care much for animals before I read thebooks.ButreadingMyFamily and Other Animals when I was at school actually introduced me to this whole new world and gave me an understanding of how important they are and an understanding that when they start to disappear it s not too long before we start to disappear too. He had such an engaging way of writing he was a walking talking communications machine. He would have been amazing on Twitter He would have takenonStephenFryforfollowers. We get enormous support from Islanders but I think that there is a perception that because we have got the trust tag that we re somehow rich. That perception is that we re a rich organisation and it s simply not true. We have been running at a loss for a number of years all the more reason why it is important that we think commercially. We are not here to make a profit but it s important that we shouldn t be in the red either. Durrell has had a deficit for many years. We manage it and we manage itcarefully.Forthelastfiveorsix years we have worked really hard on financial sustainability so we are going in the right direction but we can never get complacent about that. If that all sounds demanding it s probably because it s meant to be. It s also a dream job for Kelly FEBRUARY CONNECT 51 N O O R D I N A R Y DAY J O B whoisoriginallyfromRochdale but who has been coming to Jersey since she was a teenager. But her first marketing job in the Island was very different to the role she s doing now. I started my career in finance but I got the travel bug which a lot of people in Jersey do. I came back and I was fortunate enough to fall into my first marketing role at AnnStreetFreetraders workingon brandslikeCarlingandGrolsch. On my first day in the job I was sent out to do a mystery shop of the qualityofapintofbeerinallofthe pubs. No one had seen me so my face wasn t known. Needless to say I thought if this is what marketing s likeI llhavesomeofthat . I worked for a marketing agency for a few years for predominantly finance clients. When the lady who was here before me got the job I was very jealous and she managed to pinch me into her team and that s how I ended up here. It s amazing. I really love getting up in the morning to come to work and I can say that with sincerity. I am very proud to work for Durrell it really gets under your skin. We punch well above our weight for who we are. IdidafieldtriptoMadagascar a couple of years ago and the communities that we work with out there have so much respect for Durrell. We have such a positive effect on their lives we provide water to villages education for their children and generally help them to use their natural resources more sustainably it is just unbelievable. When I first came here as a tourist I stood around looking at the people working here thinking you luckythings .AndhereIam It s amazing. I really love getting up in the morning to come to work and I can say that with sincerity. I am very proud to work for Durrell it really gets under your skin. We punch well above our weight for who we are. 52 CONNECT FEBRUARY iSPY Welcome to iSpy a new columnist whose role is to observe and comment on those who normally do all the observation and commentary the media. Nothing is sacred from their seat in a local newsroom iSpy will be turning skeptically through the pages of Connect and Bailiwick Express too as well as the work of agencies and the chatter on social media. You up yours and I ll up mine. My game that is up my game. iSPY hears certain journalists are watching with interest the launch of Bailiwick Express. It s the online newspaper which is deadline neutral and it s run by the people who print this magazine so of course we re under extreme pressure to say terribly nice things about it. Not. So let s check in on its progress at the end of month number one. Well it s doing a fair job of reporting the news though needs to develop sharper teeth and churn out some agendasetting exclusives. It also promises to make the most of the opportunity of online with things like embedded video and animation. Can t see much sign of that yet but we ll give them time to come good on it. What we can say is that it looks professional is clearly run and written by a team with a pedigree who know what s what and if it s given the time to bed in and find its own identity has the chance to give the rest of the Island s well-established media a kick up the rear end. Go on Bailiwick Express we dare you. And we re watching So who can learn what Jersey Evening Post. Circulation down though not as badly as the drop-off for most other regional dailies across the British Isles. But also not currently doing anything innovative digitally. Facebook twitter and an App are a given. This is their chance to rise to the challenge especially with new people in new positions of power at the paper... could the JEP shake off its establishment mouthpiece image and grow a pair Good old Auntie needs to try harder too. Lots of ordinary journalism at BBC Radio Jersey and on their nightly TV programme means things are ticking along merrily but there s nothing that stands out and makes you think you must tune in. Word reaches iSPY that the Beeb were on the brink of securing a high profile journalistic transfer from one of the other newsrooms... who it is and exactly why they turned down the chance to work for the BBC remains a bit unclear. Surely nobody would say no to a nice licence fee-funded fat salary and cushy pension scheme There s more to this one... and we re keen for somebody to spill some beans. You know where we are. So what about Channel TV A reasonable nightly programme a popular website and fairly social media savvy. But again where are those must-see stories There have been signs of a bit more bite of late so let s see if the arrival of Bailiwick Express pushes them to hold those in power to account more often and more bluntly. We d love to see that. UP YOURS HACKING TRIAL The Police are the latest victims of hacking. Not phones this time it was their twitter feed. iSPY hears that someone clicked a dodgy tweet thus flooding all their followers with a barrage of rubbish. Fairplaytothepolice though compared to their counterparts in Guernsey they get it . A decent public presence whether on the street on social media or elsewhereonline(solong aswhattheysayisrelevant) can t do any harm. Guernsey Policepostingalinktoafraud hotline within days of people being up in court accused of defrauding the government out of millions looked like a coded dig at gullible civil servants. Of course that surely wasn t the plan. Anyhow that squite enough Guernsey. HEADLINE OF THE MONTH Ecstasy death warning to islanders website.Who ddied Er nobody. This was a warning from Guernsey Police following an incidentinNorthernIreland despitetherebeingabsolutelyno intelligencethatthe Speckled Rolex drugwasevenavailable intheIsland.Fullmarksfor tenuous zero local links. Hey it got our attention. If you re a journalist iSpy wants titbits from your newsroom if you re in the headlines iSpy wants the inside track of your media encounter if you re a reader viewer or listener let iSpy know if you ve stumbled across something that s worth sharing. Email in confidence to ispyjersey FEBRUARY CONNECT 53 GLASS HALF FULL Glass half full with... Dr Jason Lane That work has been funded not by the taxpayer who used to pick up the tab under the previous arrangement but through licence fees paid by the industry. Among the changes that we have made are Strengtheningthetermsofbookmakers licenses so that they have to conform to setstandardsonsocialresponsibility includingsupporting selfexclusion requestsbypeoplewhodecidethatthey wanttostopgamblingforasetperiodof time.Bookmakersalsohavetodisclose financialandplayingrecordstousso that we can exercise effective regulatory control. Modernisingtherulesongambling machines in line with the UK after undertakingawideconsultation exercise.Themovehasnotallowed high-value machines into pubs but it has allowedentertainment-stylemachines in underthesametermsthattheyhave beenallowedintheUKfordecades without controversy. Allowingcommercialprizedraws totakeplaceasamarketingand promotionaltoolforcompaniesunder licence from the Commission so retailers are able to offer the chance to win a washingmachineifyouspend 50 -type arrangements.Again theseprizedraws are uncontroversial elsewhere but were illegalundertheoldregime. Glass Half Full is Connect s monthly feature that looks on the bright side and which focuses on something positive going on in the Island. This month Jersey Gambling Commission Chief Executive Dr Jason Lane talks about reforming Jersey s gambling legislation work that he says is reducing the administrative burden on charities enabling more effective regulation and creating new opportunities for businesses. Since the Jersey Gambling Commission was formed in September 2010 to regulate gambling in the Island we have been reforming the old laws and rules that dated back around half a century. The drive of that work has been to reduce the burden on social and charitable gambling to raise money for good causes and to rebalance our efforts by focussing more on the supervision of commercial gambling to ensure that it is being run in a safe and fair way. Thelastthree-and-a-halfyearshave seen a dedicated and planned effort to cut pointless red tape that was stifling charitable work with social benefits and at the same time the creation of new opportunities for an industry while strengthening regulation and oversight. Establishingacivilpenaltyregime soifwebelievethatsomeoneholding a gambling licence has broken the rules the process will be quicker than acriminalinvestigationandtrial and will require only that the civil test (of a breach being proven on the balance ofprobabilities )ratherthanthefull beyondreasonabledoubt testofa criminal court be met. Updatingarchaicelementsofthelaw so there is no longer an artificial cap on the number of bookmakers in Jersey andremovedtherestrictiononSunday opening to leave the question in the handsoftheParishConstables. But we are not stopping there. Later this year we plan to consult on new plans to allow commercial card clubs and possibly commercial bingo operators to set up in the Island. Again those developments took place decades ago in the UK and again they are seen as relatively uncontroversial. Just as we have with the reforms up until now we will continue to tread sensitively. The truth is that the vast majority of people who gamble do so without an addictive or compulsive element to their behaviour but for those that do struggle with gambling it can have a devastating effect on them and their families. Considerationofthoseissuesis close to the heart of what we do the CommissiontakesadvicefromitsSocial ResponsibilityPanelwhichincludes representation from the Health and Social Services department and the gambling industry. The panel has a remit to protect Islanders from the effects of compulsive gambling and the panel funds a dedicated website and online counselling service for problem gamblers in Jersey. This year the panel will also be conducting a review of arrangements for self-exclusionatIslandbookmakers. Mostpeoplemightassumethatthe establishment of a new regulatory body and new legislation would mean more red tape and administration not less. AttheJerseyGamblingCommission we are challenging that view. Our goal is to make sure that the Island has a suite of regulation that is fit for the 21stcenturyintermsofthewaythatit supportscharitablefund-raising allows innovation and new opportunities and places an appropriate level of scrutiny on commercial gambling operators. 54 CONNECT FEBRUARY Strength in numbers With a focus on delivering attentive service at all times we pride ourselves on quality and attention to detail that is invaluable for our local clients. T 01534 785200 E accounts W Points of Contact Colin Taylor Duncan Stuart Sean O Flaherty Kevin Bates Tim Brown & Andrew Bougourd Accounts Preparation Management Accounts Audit Taxation Services Bookkeeping Services Administrative Services Business Start-Up Advice Company Secretarial Services IT Accounting Software Support Outsourced Accountancy Support Business Valuation Forensic Accounting Thomas Edge House Tunnell Street St. Helier Jersey JE2 4LU Rosscot Secretaries Limited is regulated by the Jersey Financial Services Commission P O L I T I C S eGods TheComprehensive SpendingReviewhadbeen dead on a slab for a whole 16days beforelurchingup from its crypt to a sharp crack of lightning and shuffling back to life leaving terrified villagers in its wake. To the sound of demented cackling from CyrilLeMarquandHouse thereawakened monsternowaimstocutbetween 50and 75millionfrom2015to2020 effectively almost the same scale of cuts as the last one. Y anewInternationalRelationsdepartment poppedquietlyintoexistenceandsomemore money found its way into the bottomless pit that we call the Health department s budget. At the same time politicians agreed to start borrowingmoney(aquarterofabillion quid)anddippingintosavingstobuilda new hospital and invest in social housing. Putthefirstandthesecondcutspackages togetherandyou dhavegettingonfor 130 million take that off overall spending and you could get rid of GST and abolish duty on fuel fags and booze. Except of course that you have more chance of having winged monkeys fly out of your ears than seeing any of that happen. The real action is happening at the other end oftheequation thatsame 130millionworks out at roughly the size of the annual spending of the Education and Transport departments. That s the scale of the money that s being well... not exactly saved more like moved around a bit . But the more fundamental work isn t actually theCSR eye-catchingthoughtheshuffling monster might be. It s the underlying work to reform the States. Don t think for a second that theseriousreformworkisaboutConstables and Senators and referenda and electoral terms therealstuffisactuallyaboutHR prosaic as it sounds. That work has already seen new contracts introduced it s reshaping the insanity of the final salary pension scheme and it s starting to bring some reality and sense to the notion of pay based on progression of skill and ability rather than simple longevity. Thatworkisn teye-catchingandit sbeengiven no great fanfare but it is more fundamental thanathree-yearorfive-yearcutsprogramme that is actually just about shuffling some money from one spreadsheet to another one. Expect all of this to get heavy when the departments start to put some flesh on the bones of this new monster before the politicians starttheirsummer-breakinmid-June. Unions who had only just reached a deal onco-operatingwithreformandpayarenot wildlyimpressed tosaytheleast.Politicians are put out that they heard about all of this inthemediaandnotdirectly(failing asthey have a habit of doing to register that the public are a bit more important than them in the widerschemeofthings).Andwhataboutthe public What are they to make of all of this Connect s political columnist Ben Qu r e spent far far too long covering the States during his 13 years as a noted news reporter and commentator. In Here s The Thing... he takes on a key subject each month drawing on his experience knowledge and contacts to lift the lid and stir things up If you want to contact Ben Qu r e please email ben bailiwick Here sthething. The bit that matters here isn t the cutting. It s what the cutting is being done for. The proceeds of the cuts will partly go to filling up the stabilisation fund that politicians setuptoprovidealittlecounter-cyclical Keynesian boost to spending when the economy goes south. The other bit will go towards another rebalancing of public spending. If that last bit sounds familiar then you ve been paying attention. The story goes thattheoriginalCSRcutspackagesaved around 60million butit sastorythat requiresfairlyspecialisedinterpretations of the words cuts and saved . Despite some histrionics at the time the biggest cuts package in Jersey s history (CSRMarkI 2011-2013)endedwithpublic spending 70millionhigherattheendthan itwasatthestart(allowingforinflation thedifferenceisstillsome 45million).In between the start and end of that process 56 CONNECT FEBRUARY Rowlands Recruitment has been successfully matching people and positions since 1975. Each applicant and vacancy is carefully considered to ensure requirements are met a smooth transition experienced and an excellent service provided. Whether you are looking to recruit or seeking a new challenge we will do our utmost to meet your needs and aspirations. Even if you are just curious we are happy to help. To gain access to hundreds of candidates or vacancies call one of our team on 626776. As soon as we know what you are looking for we will get to work and seek out either a perfect match or a golden opportunity. Let s work together Visit us at Trinity House Bath Street St. Helier JE2 4ST Call us on 626777 Email us at jobs Go to rowlandsjobs Need a manager to help during peaks of demand Wish someone could help organise you Unable to obtain additional headcount This is where we come in... We provide superior executive assistance marketing support new business development and project management. You simply buy hours with us to help you get over your pinchpoints at work. Still unsure Heres what our clients say... BEBS professionalism shined through. Their ability to see the big picture in a project and then to be able to break it down to deliver individual services worked well for us. Tracey at BEBS is an excellent marketer and manager. Tracey at BEBS has a natural networking ability putting people at ease developing rapport and as we know people deal with people they like If you are an entrepreneur a consultant or a small business owner and need more time to focus on income-generating tasks and building your business call Tracey Bull today on 07797 734 505 or email tracey to find out how BEBS can help. Search for BEBSltd on... D E A D LY D I A R Y States 4 February Ah the States. In a shocking development they appear to be spending most of this sitting talking about new laws and not tedious reform proposals. Something must have slipped there. There is a tedious proposal about an Elected Speaker of theStates replacingtheBailiffwithaUK-styleelected SpeakeroftheHouse to whet their appetite but the rest of it seems alarmingly like actual work. Not sure how they re going to feel about that. States 18 February Thisismorelikeit.NosoonerhasthedustsettledontheBigFightThatNever Actually Happened between The Gorstmeister and his errant Environment Minister thanwegettorakeoverthecoalsagainbygoingovertheCo-op shambles.There salsoadebateaboutanti-moneylaunderingregulationand increases to the discounted rents paid by some social housing tenants but having beencheatedofthechancetoshoutateachotheroverRobDuhamellastmonth they re hardly going to let a fresh opportunity pass them by. Chamber of Commerce lunch 19 February Funfact somejobsarebetterthanothers.AliGaywardistheUKcommercial manager for Easyjet which must be one of the more interesting ways to spend yourwakinghours.She sresponsiblefor 850millionworthofannualrevenue andhasdirectresponsibilityfor46aircraftand180routes.Thisalltakesplaceat thePommed OrHotelattheusualtime. House Price Index Q4 2013 20 February Is it that time again There s a lot about UK house prices in the nationals at the moment and this will tell us how things compared over here at the end of last year.Lasttimearound priceswere3%higherthantheyhadbeen12months before with the increase driven by an increase in house prices while flats remained stable. The big news was that turnover was at its highest in six years for thefinalquarteroftheyear. Deadly Diary - every month Connect will be flicking carefully through the future calendar of political and business events ...and chewing over what it finds there. FEBRUARY CONNECT 59 THE ADVISOR Preying on the Elderly Lawyers are often appointed to look after the finances of people who are no longer able to manage themselves because of mental illness. In the main this concerns age-related mental difficulties but can also include younger people. In many cases looking after the money simply involves making sure that bills are paid and that all finances are managed. Unfortunately sometimes it also involves safeguarding a person s money from fraudsters tricksters and other unscrupulous people. In my time as a lawyer I have come across many cases in which vulnerable people are targeted as a source of money. It is very upsetting to see it happen but it does. It happens a lot. Unfortunately if someone is suffering from mental health issues (sometimessimplyconfusion poormemory) unless someone is legally put in place to assist and control their finances they can quicklysuccumbtohoaxesandbeduped into parting with large amounts of cash. This can be devastating for family members to watch who may be powerless to intervene. Manyelderlypeopleareproud robustand wishtobeindependentandwillbequickto dismiss any warnings from family that they are being extorted or tricked. It doesn t matter how logically you explain the situation the pleas and promises that are presented by scammers are believed as gospel despite their obvious and utter fiction. The mail will be inexhaustible. Once you re on the list that list is used by teams of gangs set up to send mail and prise money out of the vulnerable. Ultimately whenthepennydrops(ifit does) thevictimcanfeelashamed foolish and become inconsolable. They may have not only parted with money but also their treasured jewellery ornaments and keepsakes. In some cases it can lead to much more seriousconsequenceswithpeopletaking their own lives either out of fear or sheer upset because of what has happened. In one particular case I dealt with the victim used to receive bags upon bags of begging letters charity letters scams competitions and promises of prizes rewards and incredible investment opportunities. The volume of mail was unbelievable and came from all overtheworld.Myofficenowreceivesthat mail instead. Well I d rather it that way. Of course communication with the vulnerable is not limited to traditional mail. It is now also very common by email and by telephone. If you are concerned about a family member (maybesomeoftheaboveisveryfamiliarto you)youneedtoact.Untilsomeoneisputin legal control of the finances there is little that can be done to prevent fraud. Your family member s money is their money and they can spend it as they see fit and you cannot stop it. The first thing that you should do is speaktotheirGP.Askforadviceandhelp. GPsareusedtothissituationandwillbe able to guide you. You can also consult a lawyer who will be able to explain the steps thatneedtobetaken.Remember fraudsters are clever and devious. Vulnerable people can be so easily brainwashed to the extent that they will hide letters from you tell you talesandgotoquiteextraordinarylengths to prevent you realising the true picture. Withalegalguardian(aCurator)inplaceno moneycanbespentwithouttheCurator s approval authority.Nomatterhowhard someone may try not a penny will pass. Obviously this will not safeguard valuable tangible possessions being sent away or sold but other steps can be taken for those. ACurator sroleistoprepareaninventory when they take up the post of all the person sassets.EachyeartheCurator isrequiredtoprepareaccountssetting out expenditure and income and file thoseaccountswiththeRoyalCourt. If you are interested in finding out more about this issue I urge you to visit the website Think Jessica . Think Jessica is a registered charity(arealone)thatprovidesinformation insight and other materials focussed purely on this issue. If you do take the time to visit the website I am confident that you will be shockedbyquitehowwidespreadtheproblem isandamazedatsomeofthestories films available for reading an viewing. The address for the website is Olaf Blakeley is an Advocate specialising in litigation and commercial law If you have a legal question you wouldliketoputto AdvocateBlakeley please email editor bailiwick 60 CONNECT FEBRUARY O eac ut h dne We ay sd Happy Monday With over 548 jobs online at and an email service sending the latest jobs straight to your inbox there s no better place to start your job search than Bailiwick Express. Why not sign up today And enjoy your next Monday WE RE SUPPORTING THE CORPORATE BUSINESSES DRIVING JERSEY S ECONOMY . Steve O Brien Relationship Director Santander is fully committed to understanding and building rock solid relationships with Jersey s corporate businesses. That s why we ve opened our new business centre on the island. And because we believe that personal relationships are the way to build trust and success in business we ve appointed Steve O Brien as part of our experienced and fast-growing team. To find out how we could help your business succeed call the team now on 01534 767 750. FUELLING BUSINESS AMBITION Santander Corporate and Commercial Banking is a trading name of Santander UK plc registered in England company number 2294747. Registered office at 2 Triton Square Regent s Place London NW1 3AN. Santander UK plc Jersey Branch is regulated to carry on deposit taking business under the Banking Business (Jersey) Law 1991 by the Jersey Financial Services Commission. Its principal place of business in Jersey is at Third Floor 19-21 Commercial Street St. Helier Jersey JE2 3RU. Santander UK plc is a participant in the Jersey Banking Depositor Compensation Scheme. The Scheme offers protection for eligible deposits of up to 50 000. The maximum total amount of compensation is capped at 100 000 000 in any fi ve year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website ( or on request. Santander and the flame logo are registered trademarks.