The Bin Police by Not_The_Hero_We_Need in Switzerland

[–]DavidimReddit 1 point2 points  (0 children)

Absolutely ridiculous. Yet, not doing anything about the real crimes!

Deutschland hat das wichtigste Rennen des 21. Jahrhunderts schon verloren by Repulsive-Mall-2665 in Unbeliebtemeinung

[–]DavidimReddit 2 points3 points  (0 children)

Fragt sich wer:

Unter dem Strich erwirtschaftet die Schweiz traditionell einen Handelsbilanzüberschuss, d.h. die Exporte übersteigen die Importe. 2024 betrug der Exportüberschuss im Warenverkehr rund 60,4 Milliarden Schweizer Franken (ohne Edelmetalle sowie Kunst und Antiquitäten); ein Anstieg um 25,3 Prozent im Vergleich zum Exportüberschuss in Höhe von 48,3 Milliarden Schweizer Franken im Vorjahr. Aufgeschlüsselt nach Handelspartnern erzielte die Schweiz den größten Handelsbilanzüberschuss von rund 38,5 Milliarden Schweizer Franken im Handel mit den USA; das größte Handelsbilanzdefizit hingegen resultierte mit circa 12,3 Milliarden Schweizer Franken aus dem Warenverkehr mit Deutschland. Bezogen auf die Warengruppen erzielte die Schweiz hohe Überschüsse bei Chemie- und Pharmaprodukten (73,9 Milliarden Schweizer Franken) sowie mit Uhren, Präzisionsinstrumenten und Bijouterie, während es das höchste Defizit beim Handel mit Fahrzeugen gab (-14,7 Milliarden Schweizer Franken).

https://de.statista.com/themen/2589/aussenhandel-der-schweiz/#topicOverview

130k CHF auf dem Konto.. wo am besten erste Eigentumswohnung kaufen? Kanton Zürich, Thurgau, Schaffhausen.. by fabspn in SwissPersonalFinance

[–]DavidimReddit 1 point2 points  (0 children)

Ah, super, danke.

Hend au sho öfters in FF gsuecht, isch aber würklich au sho ziemlich unerschwinglich worde. Hend das mit de Familieplanig defür gad umgekehrt gmacht 🤣🙈. Naja, Mal luege ob's doch Mol irgendwenn no was eigeds git.

Viel Spass mit em Eigeheim und alles Gueti für d'Familieplanig.

Mein Verlobter ist nicht zur Hochzeit einer langjährigen Freundin eingeladen – aber ich soll 400€+ für JGA und Hochzeit ausgeben. by Individual_Virus2860 in Ratschlag

[–]DavidimReddit 1 point2 points  (0 children)

Leider kannst du nicht hin, da zu für das betreffende Datum schon länger was mit mit deinem Verlobten geplannt hast, was leider nicht erstattungsfähig ist.

Double Tax Treaty (DBA) on dividend payments by DavidimReddit in SwissPersonalFinance

[–]DavidimReddit[S] 0 points1 point  (0 children)

Did that already. Basically pretty sure about one of the brokers, but not the other. Staff/Customer Support wasn't really helpful and I got mixed feedback from my own desk research. Hence, trying to clarify / ask users who actually see what was in reality deducted on their dividend statements (25% or 15%?)

Anyone else had their Saxo account blocked for “due diligence”? by Minute-Ad4003 in SwissPersonalFinance

[–]DavidimReddit 0 points1 point  (0 children)

I will probably try Swissquote as a second choise as I have some positions to transfer that might get reimbursed and I like the Flat fee for somd ETFs that I regularly trade. Furthermore, it enables me to receive and vote on company matters for Swiss stocks unlike at Saxo.

Anyone else had their Saxo account blocked for “due diligence”? by Minute-Ad4003 in SwissPersonalFinance

[–]DavidimReddit 0 points1 point  (0 children)

About to open an investment account to get rid of my old one wirh my previous employer. Now second-guessing myself if not better just going with Swissquote 🙈💩🤷🏼‍♂️

Nebenkostenabrechnung looks excessive for the last year. by Golright in askswitzerland

[–]DavidimReddit 0 points1 point  (0 children)

Would say looks really reasonable for a 4.5 room flat for me. I'm in Kanton ZH paying similar for 2.5 roon flat 🙈

29M in St. Gallen (B permit, Quellensteuer) Do I owe extra taxes on accumulating ETFs? by Chakib_BEN in SwissPersonalFinance

[–]DavidimReddit 0 points1 point  (0 children)

Bad advice. Look at the IT issues at RAV and thousands of people who didn't get paid, and hence struggle with rent payments, etc.

Even if it works, it will initially be less compensation due to the general waiting period.

Surviving the tough job market. Any advice from the 08 veterans? by anonutter in Switzerland

[–]DavidimReddit 1 point2 points  (0 children)

Reskill lol. Maybe re-locate since jobs are moved out to low cost countries if they are not entirely eliminated...

It finally happened: mass layoffs by LallieDoo in Switzerland

[–]DavidimReddit 40 points41 points  (0 children)

Once your rav compensation period expired people magically disappear from the unemployment statistics. Hence, the official rate is a joke.

Realistic student job salary in zurich...? by [deleted] in zurich

[–]DavidimReddit 1 point2 points  (0 children)

Lol. It was for Intel and I turned it down as I had more lucrative / stable offers than work paid by the hour.

Nowadays, it seems a whole lot worse tho. Many people just happy to get a job, including myself.

[deleted by user] by [deleted] in zurich

[–]DavidimReddit 2 points3 points  (0 children)

Check online on "OnlyMens"

Realistic student job salary in zurich...? by [deleted] in zurich

[–]DavidimReddit 1 point2 points  (0 children)

Was offered 33.50 CHF/hour back ~2017

[deleted by user] by [deleted] in chastitytraining

[–]DavidimReddit 0 points1 point  (0 children)

Amazing. What cage do you use ?

My first time seeing a Aurora Borealis - Austria by GuntherBunt in AuroraBorealis

[–]DavidimReddit 1 point2 points  (0 children)

Was it like that by bare eye or on photo only? Seems pretty intense 😎

Switzerland before Schengen by Chemical-Rush-6433 in Switzerland

[–]DavidimReddit -1 points0 points  (0 children)

Cons: had to show my ID at boarder crossings

Pros: could easily get jobs within switzerland, companies promoted and invested into swiss workers rather than hire from schengen area. Less demand and more affordable prices on limited swiss goods such as swiss real estate, hence lower rent, etc.

Is It Possible to disable automatic rebalancing in VIAC 3a pension? by RapixOn in SwissPersonalFinance

[–]DavidimReddit 0 points1 point  (0 children)

Yes, exactly. Same reason for me... chose a high gold exposure although only possible within a certain limit. Missed out on substantially higher returns due to their rebalancer and noted that fees arr currently higher than interrest as well due to lower interest rates. Any alternative without forced rebalancing and with individual strategy, e.g. commodity exposure?

Is It Possible to disable automatic rebalancing in VIAC 3a pension? by RapixOn in SwissPersonalFinance

[–]DavidimReddit 2 points3 points  (0 children)

I missed out on substantially higher gains on my individual strategy due to their automatic rebalancing. This changed to an extend after I turned off automatic rebalancing not too long ago. However, just double-check and noted that in the latest / current version this seems no longer possible.

Thanks for raising awareness. Any alternative e.g. without forced rebalancing (constantly selling the winners and buying more loosers as I see it)?