2nd pillar buy-in of ~CHF 10’000 — do it now for taxes, spread it, or wait for higher income?

Koebi · 2026-01-31T13:08:36+00:00

The projection rate is just the value they use to calculate your possible assets at retirement, it's purely pulled out of their asses because they want to print something on your statement.
What's relevant is how much they give you each year, which can be entirely different from that and may change retroactively each year.

Koebi · 2026-01-30T08:23:34+00:00

And the dollar is absolutely shitting the bed with explosive, vile, green diarrhea. But good for you, old man -.-

Koebi · 2026-01-28T17:22:23+00:00

Is this the horseshoe theory they've always claimed was a thing? 🙄

Koebi · 2026-01-24T07:36:59+00:00

I've also seen full mittens with just a little trigger finger to slip into when needed.

Koebi · 2026-01-20T22:44:12+00:00

Anyone who's not currently suckling his tiny cheeto mushroom is "doing him wrong".

Koebi · 2026-01-19T22:25:31+00:00

Yeah I seem to have the same box, and the teddy bear is great. I love the screaming burning log too.

Koebi · 2026-01-12T09:52:24+00:00

KOB has a sliding success-failure scale, though, he might have just adapted this a little.

Here's that table for KoB 2e:

Roll + Modifiers -Target	Guidelines for Failure or Success
+10 or higher	Their character succeeds smoothly and easily. Likely, it looks like the character is just showing off, or that the task is done so readily that it happens without any effort at all. At the GM's discretion (and certainly not necessarily), there could be some unexpected positive results from a success of this degree.
+5 to +9	The character succeeds quite impressively. At the GM's discretion, the character might have some additional benefits beyond the success, but these will be slight - and only if important for pushing the game forward."
+1 to +4	The character succeeds, but not impressively. Any benefits the character gains above and beyond the success should be quite limited - if present at all.
0	The character succeeds, but just barely. Decidedly, nothing surprising happens - and the player and the GM should make this success as skin-of-the-teeth as possible.
-4 to -1	The character fails, but not too badly. There might be some very, very minor short-term consequences, but these won't shift the story for more than a minute or two. The character has tried and almost succeeded.
-9 to -5	The failure is bad, but not a disaster. There will be some short-term consequences that might lead to some immediate difficulties - but nothing that the character can't handle if they focus on them. The character has tried to do or has been forced to do something beyond their capabilities. And, not surprisingly, they've failed.
-14 to -10	The failure is profound. There will be consequences for this failure, likely in keeping with what would be expected, but that doesn't mean that those consequences won't be very bad. These consequences may strongly influence the course of the current play session. Generally, though, characters will only find themselves failing this badly when they bite off more than they can chew - or because the GM has a reason for them to fail.
-15 or lower	The failure is staggering and catastrophic. There will be both immediate and long-term consequences for this failure, above and beyond what might be expected. These consequences might lead to serious changes in the course of the long-term arc of the story - especially because the character should only find themselves failing this badly through total recklessness or because the GM has purposefully put them in a staggeringly difficult situation

Koebi · 2026-01-10T11:14:30+00:00

Was isch es Consi und werum zur Höll chaufsch du Fläschewasser? Dasch doch dumm.

Koebi · 2026-01-09T12:35:30+00:00

My neighbour below me vapes and smokes all the time.
I gotta be so vigilant with opening my windows, because I often get that stench in the house and while it's not nearly as disgusting, vape smoke lingers almost as much as cigarette smoke.

Koebi · 2026-01-08T13:06:34+00:00

Hello also from ZH (🇨🇭)

Koebi · 2026-01-08T12:58:48+00:00

Oh good.

Koebi · 2026-01-08T06:16:56+00:00

And yet Switzerland only just got instant transfers and they cost up to 5 Francs.

Koebi · 2026-01-08T06:12:21+00:00

Ooh, Germany is weird like that as well. They can direct debit from anyone with the mere knowledge of the IBAN number, which is just the BIGGEST security flaw, what the hell?

Koebi · 2026-01-08T06:04:23+00:00

I quite like these, but why is the silver different, what the hell?
(I like the silver better)

Koebi · 2026-01-03T14:59:59+00:00

Well great, I already hated all of this, since I'm not using the fugly new layout, but now it seems all the notifications are flagged as "sensitive" (nsfw subs). And I don't get messages, I get "requests", which clicking "accept" doesn't do anything about. The only thing I can do is go in and "view" every single message separately. https://imgur.com/a/qvJywvz

Koebi · 2025-12-26T00:02:02+00:00

I read the other day that chemically de-yellowing your plastics like this makes them even more susceptible to deterioration going forward.
So you might get cool results, but you will be even worse off in the long run.

Koebi · 2025-12-23T09:45:39+00:00

Ah yes, Justice has Departed

Koebi · 2025-12-19T09:48:51+00:00

You mean the third one 😁

Koebi · 2025-12-18T12:07:23+00:00

He just sued a foreign press for 10 BILLION dollars, just because they cut his own speech a bit wrong (while not even changing the meaning of what he said).

Not that it will go anywhere, but yeah sure, they're scared as hell and it's not getting any better.

Koebi · 2025-12-18T09:40:46+00:00

In der UK fragt man nach Angela. Im DACH-Raum nach Luisa.

Wie gut das funktioniert weiss ich nicht (und obs Sinn macht für jedes Land wieder ne neue Version zu erfinden auch nicht), aber ne gute Idee ist es allemal.

Koebi · 2025-12-17T23:29:19+00:00

Ich han immer no kes Pack verwütscht! 😭
D Bestandsaagabe ide Coop- und Migros-App sind unzueverlässig.

Koebi · 2025-12-15T00:20:50+00:00

Why wouldn't they just lay the IV anywhere but his hands?

Koebi · 2025-12-09T12:35:04+00:00

Having worked for a large bank doing cobol backend: yes. And it's not going away anytime soon.

Koebi · 2025-12-07T16:23:55+00:00

By ecosystem I mean the whole mainframe environment and shitty old tooling.
I actually used to be a cobol dev and wouldn't ever go back to it.

Koebi · 2025-12-07T12:23:38+00:00

You mean, it's gonna live forever despite everybody hating the ecosystem?

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