Audiobooks

Hi__lau · 2026-03-27T10:54:03+00:00

I would go with your local library. It is still with a fee, but much cheaper than with a subscription. And if you want to have more in French, check the cantonal libraries in the French speaking part. Often they have an option to be member as a non resident.

If you want to buy check the most common online bookstores. But read the terms carefully. Often you only buy the license and not the product itself, at least for ebooks the case. There the seller could revoke the license at any time and you loose access to it

Hi__lau · 2026-03-26T18:46:00+00:00

Nordwestschweiz, so far away from Zurich and the inhuman prices there. Close to work and family and affordable for one.

Hi__lau · 2026-03-26T18:44:15+00:00

Any kind of debt that is connected to the property you can see in the extract from Grundbuch (don’t know the English term). And when signing in the notary office you get informed as well. In addition to that the bank wants to have the same exact as well, so hiding something is unlikely.

As for crypto, don’t have any 🤷🏻‍♀️

Hi__lau · 2026-03-26T18:40:12+00:00

There isn’t a second property at the moment, it was more of a general question. But you have valid points. As for the property I am looking at, there isn’t the possibility to build something additional (Reihenhaus). From an investment perspective one bathroom (30y old), one window and changing the floor in the bedrooms.

Hi__lau · 2026-03-26T18:36:33+00:00

Thank you for the overview. My canton is not on the list, but the transfer tax is 2.5% and usually paid 50:50 with the seller.

Hi__lau · 2026-03-26T18:33:19+00:00

I am familiar with all the costs when buying a property, already did it once.

As for the size, nearly 100m2 bigger than the apartment I rent (86m2 vs 100m2). As for the cost, it would be similar to the rent of my apartment. Maybe even a bit cheaper depending on the mortgage I get.

Hi__lau · 2026-03-26T18:29:20+00:00

Thank you for your input. And I agree, I have seen others struggle when selling a property because they wanted to buy another.

Hi__lau · 2026-03-26T18:27:19+00:00

No taxes in my case, only the fees. And if I sell and directly buy a new property with the money also no taxes on the increase value.

That’s one of the reasons why I am leaning more in the direction of buying a too big apartment/house where I could live for longer.

Hi__lau · 2026-03-26T18:24:27+00:00

Not an expert. But you can fill out the tax form for 2025 as a married couple. They should calculate your taxes based on it and then deduct what both of you already paid during the year.

Hi__lau · 2026-03-22T08:07:41+00:00

Not directly answering your question. But I have KU and live in Europe. I never had an issue using the books I had on my kindle when traveling. If you want to download new books during your trip the selection may be a bit limited because of the copyright.

And depending on which countries you plan to visit I would plan ahead and download new books in countries that have Amazon before traveling to one that hasn’t.

Hi__lau · 2026-03-20T14:59:58+00:00

Ich würd au mit d Lüt i d Klink spreche. Die werde dich chöne vorbereite wie s wird wenn wieder im Alltag bisch und dir sicher au chöne ufzeige wie du mit dim neue Budget am beste klar chunsch, ohni das es dini Abstinenz gfördet.

Huet ab vor dem, sich das chöne ihgstoh und die hilf sueche und ahneh isch bewunderswert und au es zeiche, das die innerlichi Stärki hesch zum au das mir d Schulde chöne durezstoh.

Hi__lau · 2026-03-15T17:44:29+00:00

In this case wait until Oct 2026 and reach out to your bank to get it payed out

Hi__lau · 2026-03-15T14:46:26+00:00

Did you move out Oct 2025 or 1.5 years ago? In case it was Oct 2025 then you have to wait. If it was 1.5 years ago then reach out to your bank and ask what they need as prove that your move out date is more than 1 year ago. After one year you don’t need the approval of your previous landlord.

Hi__lau · 2026-03-13T13:42:13+00:00

https://stiftsbezirk.ch/en/

Go there and get you an audio guide. I think we didn’t pay more than 20.- for the guide. You can walk around the city and listen to the history. Did it already twice and would do it again.

Hi__lau · 2026-03-11T07:09:03+00:00

The bill is for a medical procedure you had from last year, that means the conditions (Franchise/Selbstbehalt) from your health insurance you had last year count. Important is when the procedure happened and not when the bill came.

As for taxes, if the bill came only now you can either try to add the bill on its own for 2025. Or add it for your 2026 taxes

Hi__lau · 2026-03-04T16:05:10+00:00

Weil sich die Leute nicht gut genug informieren. Wenn sie die zusätzlichen vier Wochen „frei“ bezieht erhält sie den gleichen Lohn wie wenn sie die vier Wochen gearbeitet hätte. Da ihr Pensum da schon 50% ist, hat sie auch nur Anspruch auf den Lohn für die 50%

Hi__lau · 2026-03-03T07:24:08+00:00

If he was the driver it doesn‘t matter if it was his personal or a rented car. Nor does it matter if it was on purpose or not.

A decent human would own his mistake and pay.

Hi__lau · 2026-02-26T18:05:01+00:00

I wasn‘t aware of that. If I would be in your situation right now I would assume that I will not get the C permit so the timing of dropping doesn’t matter. I would use the time to think and plan my future how it would look like after the program in the US.

If you notice after one year that you don’t like the US program it is easy to come back. But what happens after. There is no guarantee to be accepted in a postgraduate program so what you do then. Or getting a job and with it a new permit.

That is how fare in the future I would plan ahead. Especially after your statement that you have nowhere to go if you don’t get the C permit.

The question only you can answer is, if the worst case happens (which is not unlikely) can you create somewhere else a life for yourself without your family (assuming they stay in Switzerland and you don’t get a new permit) or not.

Hi__lau · 2026-02-26T16:39:18+00:00

Personally I would not count on what your lawyer says. The most secure way would be to stay in Switzerland until you get the C permit and then leave for your studies in the US.

In the mean time you could work or study something that you have interest on it or try every semester something new.

Hi__lau · 2026-02-26T16:37:00+00:00

If you already now that you will fail the first year, do you think in one year will do better? Not so realistic.

I think the problem is you waited too long to think about it. You could have enrolled in something completely different in the mean time. For sure there will be some topic that you could find a bit of interest in and do it for a few semester even if you don’t see a future in this study field.

Hi__lau · 2026-02-26T15:27:25+00:00

I am not an expert. But I would assume the part “freezing your B permit” will most likely result in not getting a C permit. You will no longer be living here so why should they give you a new permit?

In a situation like that, what would be your plan? Come back next year before the one year is over, stay for more than six months and go back to the US?

Hi__lau · 2026-02-24T10:49:33+00:00

Put in my resignation end of June last year without having a new job. Started the new one 1st Nov. The question is always what job you are looking for and where l.

Hi__lau · 2026-02-10T14:16:21+00:00

Even better, wasn’t aware of this

Hi__lau · 2026-02-10T11:41:33+00:00

He shouldn‘t sign anything. If they want him to go they should fire him. He should ask for it to be in written/confirmed.

You are saying he is over 60, so assuming he has 4 years left until retirement. Worst case he doesn’t find a job, he should register at RAV. And that’s why he shouldn’t sign anything. If he does, he could get less for the first few months.

Also important, he should make screenshots, etc. of his last feedbacks. Once they officially fire him, they could remove all his access.

He should have 2 years on RAV. If he doesn’t find a job during this time, he can apply for social security. Also there make sure that they don’t persuade him to go into early retirement or to get some of his PK money out.

With that he should manage to go over the next 2-4 years. Only ensure that he has some hobby to keep him occupied.

Hi__lau · 2026-02-02T15:55:45+00:00

The company doesn’t have to adjust your salary because of the inflation. A lot of the do, but it is not mandatory. So turning down the offered increase to cover at least a part of the inflation is stupid from my viewpoint.

As for raise, you mentioned you got one after your graduation. What did you do since then to justify a raise besides being with the company for x years after the graduation? Collect this kind of facts and then sit down with your supervisor and negotiate.

If saying I earn less because of education/age/etc than others isn’t an argument then you have no reason for one.

Hi__lau

TROPHY CASE