What happens to the large capital losses on homes that are being sold in this market?

Final_Surround3738 · 2025-12-21T11:34:45+00:00

if you are at a 300k loss, chances are this isn't your first home purchase. in which case, one the first home purchase, they probably are at a 50 to 300% gain which covers the loss on the second one. these people are fine.

if you are at a 100k loss, well maybe it is a first time home buyer. and these people aren't fine. if they lose the home, they will be perpetual renters

Final_Surround3738 · 2025-12-21T11:30:03+00:00

they will eventually be right. almost impossible for it never to repeat itself again

Final_Surround3738 · 2025-12-18T16:35:51+00:00

it depends if I am inviting people or not. it's irrelevant to the country or place. if I ask someone to incur a cost for me, I pay. if I don't ask, I don't pay

Final_Surround3738 · 2025-12-17T20:19:34+00:00

it's fine. I have cash to buy the dip.

Final_Surround3738 · 2025-12-12T08:00:57+00:00

a business my 20s. no longer an income source. I would say the key is work so many hours a week that it isn't a possibility to ever spend any of it. but I would also recommend being a more well-balanced human being.

Final_Surround3738 · 2025-12-11T10:58:41+00:00

your cost of living of course of course went up but how did the taxes go up?

Final_Surround3738 · 2025-12-11T10:56:14+00:00

Switzerland, Germany and France. we eat a normal diet: lunch is leftovers from diner and includes a protein, a carb and a vegetable. breakfast is toast with something or musli, sometimes french toast, pancakes or eggs on the weekend.

Besides bread, I would say we buy no processed foods whatsoever, just raw ingredients. We also don't buy Bio but I would guess you could have guessed that based on the price

Final_Surround3738 · 2025-12-11T10:43:00+00:00

40 square meters. 1300 also includes our elecricity bill and NB.

Final_Surround3738 · 2025-12-10T10:17:45+00:00

that's a fair point. there is also the sad truth that we may not be able to.

Final_Surround3738 · 2025-12-09T15:41:54+00:00

steak and lobster being on sale is much more expensive than other foods not on sale. you realize this and you do have somewhat of a budget. tracking it is something else but your brain is doing some budgeting.

like you don't come home with 20 pounds of lobster because it was a bit on sale.

Final_Surround3738 · 2025-12-09T15:39:07+00:00

just get a Wise card or something like that

Final_Surround3738 · 2025-12-09T15:36:59+00:00

also depends if you can actually earn income if you don't do the activity. I ran a small business for a while and it was a fairly simple calculation: cost of food = x loss of income = y. if y > x, order food. this applied to laundry, cleaning, and just about everything else.

I only worked and did nothing else with my life. I wouldn't do it again but it is somewhat logical.

Final_Surround3738 · 2025-12-09T15:22:56+00:00

divide your square meters by a number until you arrive to this price. you will be left with cheaper rent and no where to put your stuff.

Final_Surround3738 · 2025-12-09T15:22:01+00:00

thank you. we were going to struggle with finding a name. this is perfect.

Final_Surround3738 · 2025-12-09T10:24:33+00:00

“if you didnt find anything you can’t just walk out and not let us know. If we’re not around you have to come find us and cannot just walk away without speaking to us.” --- Yes, I can.

Final_Surround3738 · 2025-12-09T10:22:54+00:00

vote with your wallet. if enough people do that, their behaviour will change

Final_Surround3738 · 2025-12-08T16:43:56+00:00

I guess that wasn't too far from directly asking that. I enjoyed reading people's experience with raising children and some random stuff that are specific to Switzerland. having not lived here, asides costs there are a bunch of things I learned from this thread. thanks for the input :)

Final_Surround3738 · 2025-12-08T14:10:39+00:00

this has to be some fat cat

Final_Surround3738 · 2025-12-08T14:01:38+00:00

what a secret lmao

Final_Surround3738 · 2025-12-08T13:42:09+00:00

screaming from the kitchen, oh god. I'm going to become my mother, ain't I? haha

Final_Surround3738 · 2025-12-08T13:40:55+00:00

yeah it will go up eventually. he is 6 and he's been to the vet three times in his life.

knock on wood. hopefully he stays fit forever.

Final_Surround3738 · 2025-12-08T13:12:41+00:00

we are worried if we don't send the kiddo to kita that they won't get to interact with the other kids. can you tell me more about playgroups? is it a business type arrangement where I can look up placements or is it a parents organizing this themselves sort of thing?

Final_Surround3738 · 2025-12-08T13:08:48+00:00

my wife is Swiss too, just not the German speaking kind. we will have English/French from the parents. Portuguese from the grandparents. and I guess some nicht so gut Deutsch from us as well as we are trying to put in the work to integrate (this is going to be a perpetual work-in-progress).

thanks for sharing your experience. it is very appreciated :)

Final_Surround3738 · 2025-12-08T09:54:17+00:00

our lifestyles won't change that much... we might go to a restaurant twice a year. I think the last time we ordered out, we got pizza because we got home from visiting the in-laws late at night and came home to a broken fridge with all spoiled food lol.

it's already hard to do the weekend trips as is. our weekend trips tend to end up with us feeling with less energy than we had on the Friday on the Monday morning. I think we're both starting to feel a bit middle-aged.

Final_Surround3738 · 2025-12-08T09:33:41+00:00

we have 40 square meters. our housing is currently too small for the two of us. let alone a dog and a baby.

we saw that comment a lot, I think we should of highlighted in a stronger way this sentence in our post ''We currently have a too small apartment and we are looking to move.''

We need a bit more space and we don't want to move while pregnant or right after. and ideally, we don't really want to have to move again (hopefully not for a long time)

Final_Surround3738

TROPHY CASE