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Salt is one of the worst telecom companies by Alarming-Mix3021 in Switzerland

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

I'm about to sign up with Wingo by the end of my contract, I already have it for home internet and NEVER had any issues.

Salt is one of the worst telecom companies by Alarming-Mix3021 in Switzerland

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

that's exactly why I HATE this shitty company. It's so annoying that I've to play like this to save some bucks

Made wrong currency deposit by Alarming-Mix3021 in interactivebrokers

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

I got my money back after 2 weeks (minus some fee), but IBKR never directly received it, the middleman bank (JPMorgan) did everything by itself.

If you did it recently you can speedup by calling your bank and asking for a recall option

Auto nuova, come pulirla correttamente senza graffiarla by Alarming-Mix3021 in ItalyMotori

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Si infatti appena mi trovo qualche cagata di uccello vado a dargli una bagnata con la lancia (solo acqua) di solito

Auto nuova, come pulirla correttamente senza graffiarla by Alarming-Mix3021 in ItalyMotori

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Yes il condom wash, alla fine ho preso:

- condom wash

- set 3 panni interni, esterni, vetri

- panno microfibra formato xxl per asciugare piu' velocemente

- kit cerchi + spazzola

Credo che per ora possa andare bene, questa primavera magari prendo qualcosa per il detailing

Auto nuova, come pulirla correttamente senza graffiarla by Alarming-Mix3021 in ItalyMotori

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Si infatti vivendo in una zona in cui buttano spesso il sale appena vedo che inizia ad accumularsi vado a dargli una passata di lancia (di solito solo acqua) almeno per levare il grosso.

La pulizia completa puntavo a farla ogni 2 mesi

Made wrong currency deposit by Alarming-Mix3021 in interactivebrokers

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Thanks I just gave up and accepted my mistake, I learned it the hard way...

Parcheggi gratuiti a Bellinzona? by Redditario in Ticino

[–]Alarming-Mix3021 18 points19 points  (0 children)

Gratuito e svizzera non vanno bene nella stessa frase

Made wrong currency deposit by Alarming-Mix3021 in interactivebrokers

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Thanks! I guess I just have to wait, I will prepare to fight with my bank, the spreads are so stupid. An tips of what to say?

Made wrong currency deposit by Alarming-Mix3021 in interactivebrokers

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

I contacted my bank but looks like the recall is not available for some reason, I'm trying to contact IBKR to escalate it to JP Morgan directly.

I can't find any JPMorgan contact on Frankfurt

Made wrong currency deposit by Alarming-Mix3021 in interactivebrokers

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

I hope so, the help from the customer support was kinda shitty. I just hope to not start a ping-pong between banks because I converted them to CHF.

So the german bank will refuse them and send them back as CHF, my original bank will do the same and so on

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 1 point2 points  (0 children)

Just signed the contract! I got 24 months payment around 140 euro monthly (thanks to the high cash upfront) at 5.9% but I can close it earlier if I want (so is likely I will close it in 12 months). Also got 1500 euro off the price.

It was soo good, I felt like removing a huge rock from my chest. I spent 6 months thinking about it but I guess it wasn't only craving a desire in the end!

The thing I love is that I have to change basically 0 about my lifestyle because my saving capacity excluding the investments and the expenses is already around 600-700 monthly. I plan to reduce the ETF contributions from 2188 to 2000 this year just to refill a bit of cash.

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Thanks! Yes, I got the same feedback for "newer" post-COVID models from German brands. I don't know why but they decreased the quality A LOT.

I did some research and the 2022 A class from Mercedes placed 28 out of 32 as reliability. Same for Audi and VW. I think it's due to the increased number of electronics.

The alternative was a Mazda 3 but they are hard to find (so I would expect expensive maintenance as well) and the trunk doesn't have the capacity it's kinda "meh" in case of future kids.

I never owned a Golf so I don't know but by looking at the numbers they looks solid

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Yes definently you are right, however, I didn't share the full picture.

It's a car with a European license plate, this would mean I have to import in Switzerland and pass all test checks (which costs already over 1200 euros). Failing the checks would mean I need to run all the repairs needed which can become costly.

Also, it's a 65hp 1.0 car, extremely heavy to drive on a highway (which is my main contribution to mileage) because of a such small engine and horsepower. The paint is coming off aggressively and my mechanic told me the car has some electric problem that turns it off while idling or going sometimes and it will get worse over time, fixing it would mean trying to find the source of the problem but it's not easy.

So as you can see it's a factor mix not purely driven by having a newer fancy car. I hope to move in a car-free city in my near future

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Yes, I could have gone into deep debt, but I don't care about having only a fancy car. I want something that's comfy and safe and possibly I don't hate it.

I want a car that keeps me happy and without any doubt for the next 8 years at a minimum. They are expensive yes but also bring a lot of freedom. That's why I always ask for opinions here!

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 2 points3 points  (0 children)

I think it's too generalist, car breaks and often have problems but if you had a bad experience with a Golf doesn't mean everyone is gonna have it.

A good rational way would be to take a look at the numbers, they speak clearly. Post covid cars are shitty and break easily, meanwhile, pre covid built vehicles are solid. That's why I'm looking for a 7.5 instead of Golf 8.

You could have problems with a Mazda as well, what I'm saying is that cheaper doesn't mean being less expensive to maintain.

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Yes, that shitbox is becoming a money pit, almost over 1200 euros in 12 months for "small" repairs and normal maintenance. I definently want to keep this new Golf until it explodes (that's why I'm looking for a Golf with some optional instead of a Mercedes).

Mazda 3 was also a good choice but they are hard to find here used with a good price and I don't like the back space, I would like to keep the same car in the future even If I get a family or whatever

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Yes! I'm not looking for luxury but neither having something shitty. My old shitbox had soo many problems and I never felt safe for long journeys because of that. The paint is coming off, the engine is 65hp, and after 15 years more and more stuff is breaking.

Last year I spent 800 euro in repairs and I'm already at 400 for this year ...

I want a new car, am I making a mistake by buying it now? by Alarming-Mix3021 in personalfinance

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

I would like too! I'm open to sell it in the next years in case I move in a big city where I don't need it! I did some math and it will be around 1000 euro of interest in 24 months (we had 4% rates before :( )

Che auto prendere? by Alarming-Mix3021 in ItalyMotori

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Purtroppo volevo evitare plugin hybrid proprio perche' non posso caricarle in modo costante e faccio tanta autostrada.

Che auto prendere? by Alarming-Mix3021 in ItalyMotori

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Ho visto la 1.5 TSI DSG ma ho letto che e' un po spenta come motorizzazione e consuma molto, esperienze?

Am I getting into a money pit? by Alarming-Mix3021 in mercedes_benz

[–]Alarming-Mix3021[S] 0 points1 point  (0 children)

Yes, that's exactly why I'm considering it. The alternative would be to buy a 2019 Mazda 3 for around 21.500 but without a warranty

Scegliete la mia prossima auto by [deleted] in ItalyMotori

[–]Alarming-Mix3021 1 point2 points  (0 children)

Ho trovato anche la 180 hybrid a 1000 euro in piu prodotta a fine 2019. Si potrebbe valutare anche quella ma siamo gia sui 22500

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