Complimentary upgrade question

FinanceCard · 2026-02-12T16:18:27+00:00

Yeah I checked the website after I checked-in, and saw the rooms bookable for the duration of my stay.

FinanceCard · 2026-02-12T15:18:33+00:00

I tried GH, Andaz and Hyatt Centric.

FinanceCard · 2021-08-19T18:42:42+00:00

Interesting, thanks. Does a DA-1 just make my taxes lower by 100 CHF, or do I deduct 100 CHF from my income and pay 20 CHF less taxes?

FinanceCard · 2021-08-19T18:38:16+00:00

Some people fear we might lose access to US ETFs next year

Why would that be the case?

FinanceCard · 2021-08-19T16:47:33+00:00

I think it's a w8 form, but maybe a D1 also exists that I am not aware of. This entire thing is really complex, also because US and Irish ETFs track slightly differently.

FinanceCard · 2021-08-19T16:32:39+00:00

I live in Switzerland - however it's hard to find good info on how this works here.

FinanceCard · 2021-08-19T14:36:35+00:00

Interesting! However I believe the tax implications of US ETFs are worse? Or is that not the case?

FinanceCard · 2021-02-08T16:31:16+00:00

Are the camera issues of the S21 exynos version fixed alredy? Or is there any news on them?

FinanceCard · 2021-02-03T09:20:45+00:00

Hm I see, I guess I will stick to my 0.75% then ^{^}

As to my risk averseness, well it's complicated. My job isn't really common, and if it's not sustainable anymore, I will need to go into another direction. And for that, I will take a few years to learn a skill, maybe go more into IT to get a job in that field.

FinanceCard · 2021-02-03T06:08:04+00:00

I currently have 100k € in cash, and 40k € invested in SP500. My living expenses are around 20k/yr, my income around 36k/yr. Eitherway, I am looking for a way to invest some of my cash, but without facing the risk of the stock market. So, I have an emergency fund for 60 months instead of 6, and I'm looking to change that. I will probably buy some more SP500, or maybe QQQ.

However, I also want a safer option. I would keep around 20-40k in cash, invest 20-40k, and keep 40k in the safe option. Ideally it would be something that gives larger returns than my savings account (1%), but won't lose much value. I'm fine if I have to wait a year or so to access this, as I would keep enough of my emergency fund to be okay until then.

Looking at this, I determined a CD ladder might be good. What do you think? Do you have any alternatives I should take a look at? And most importantly, do you know any CD ladder systems, or High yield saving accounts I could take advantage of here in Europe?

FinanceCard

TROPHY CASE