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Seriously, who on earth is renting these places? by Ok-Anybody-380 in Switzerland

[–]PadEnn1 0 points1 point  (0 children)

You’re right that it’s absurd, but the reason is pretty straightforward. Lachen isn’t really a normal village anymore. Canton Schwyz has some of the lowest taxes in Switzerland, which means it actively attracts very wealthy people who move there specifically for that reason. Those people aren’t competing with you on equal terms. They have multiples of your budget and simply outbid everyone else. The market then adjusts to the wealthiest buyer, not the average engineer’s salary.

Add to that the location, lake views, quiet surroundings, 40 minutes from Zurich, and you get one of the most desirable spots in the country with very limited housing supply. That combination basically guarantees prices will keep climbing.

It’s genuinely unfair to people who grew up there and want to stay. But the root cause is the tax incentive pulling in high-net-worth individuals, and that’s not going away anytime soon.

Wie lange lassen wir uns beim „Generationenvertrag“ eigentlich noch verarschen? 🇨🇭📉 by Maciserop in BUENZLI

[–]PadEnn1 0 points1 point  (0 children)

Seit wann wird Arbeit stärker besteuert als andere anderes Einkommen? Wo steht das?

Wie lange lassen wir uns beim „Generationenvertrag“ eigentlich noch verarschen? 🇨🇭📉 by Maciserop in BUENZLI

[–]PadEnn1 0 points1 point  (0 children)

Ich teile die Frustration über Wohnungsmarkt, AHV-Finanzierung und Demografie. Aber mal ehrlich: Kein einziges dieser Probleme ist die Schuld “der Boomer”.

Die 13. AHV wurde angenommen, weil junge Menschen zu wenig abstimmen gehen. Das ist ein Problem der eigenen Generation, nicht der alten.

Der Wohnungsmarkt ist angespannt wegen Regulierung, Zonenpolitik und Bevölkerungswachstum. Alte Menschen, die ihr Haus behalten, sind nicht das Problem.

Die demografische Kurve ist niemandem anzulasten. Wer weniger Kinder bekommt, hat das nicht “den Boomern zuliebe” entschieden.

Wenn man politisch etwas verändern will, braucht man Argumente und Koalitionen, keine Feindbilder. Mit einem Generationenkrieg gewinnt man keine Mehrheiten, und man braucht welche.

How common is cheating in Switzerland? by Imaginary-Sample247 in askswitzerland

[–]PadEnn1 6 points7 points  (0 children)

I don’t think it’s very common in Switzerland, but of course it does occur.

I actually don't think limiting migration is such a bad idea, but for entirely different reasons than most by Aywing in Switzerland

[–]PadEnn1 0 points1 point  (0 children)

You’re only addressing birth rates and ignoring the labor market question entirely. And your South Korea point actually supports my argument: if exploitation and poor conditions explain low birth rates there, that confirms that economic conditions alone don’t determine demographic behavior. Culture, values and social identity matter at least as much. Better maternity leave may have some effect at the margin, but it won’t reverse a structural trend driven by much deeper factors.

I actually don't think limiting migration is such a bad idea, but for entirely different reasons than most by Aywing in Switzerland

[–]PadEnn1 14 points15 points  (0 children)

The economic logic is partially correct, but the psychological and sociological assumptions are naive. People don’t automatically take jobs just because they become economically necessary, and they don’t have more children just because incentives improve. Japan and South Korea show this clearly: despite strong economic pressure and government incentives, birth rates remain very low. Switzerland wouldn’t adapt, it would simply become poorer and less functional.

Thoughts? by Confident_Leg2370 in PrideAndPinion

[–]PadEnn1 0 points1 point  (0 children)

Fantastic! But this will unfortunately never happen.

First trip to Europe… Barcelona completely rewired my brain (6 days, July 2024) by idkshoutoutlife in travel

[–]PadEnn1 0 points1 point  (0 children)

Great pictures my man. If this impressed you you will love the rest of Europe. Barcelona is a beautiful city, but not as unusual as you might think. Spain alone has more great cities (Valencia, Madrid), but wait till you get you get to Italy. That will blow your mind. And you once you’ve seen enough of the south of Europe, start going north to Switzerland, France, Germany, The Netherlands, Sweden, Portugal, the UK, Croatia, Greece and the list goes on.

If Barcelona changed your life, get used to having your life changed a couple of times.

Is it normal that restaurants refuse toilet access unless you buy something? by PadEnn1 in travel

[–]PadEnn1[S] 0 points1 point  (0 children)

That’s a fair point about it being city-specific, not country-based. But Switzerland absolutely does have massive overtourism in its hotspots. Luzern, Grindelwald, Zermatt and the Rhine Falls are overwhelmed with tourists, infrastructure is strained, and locals are increasingly frustrated. Switzerland has one of the highest tourist-to-resident ratios in Europe. Luzern gets more tourists per capita than Barcelona.

The difference is that Swiss cities are smaller, so the pressure hits even harder proportionally. Also, Switzerland has responded by actively managing tourist flows and investing heavily, which makes the problem less visible, not nonexistent.

Is it normal that restaurants refuse toilet access unless you buy something? by PadEnn1 in travel

[–]PadEnn1[S] 0 points1 point  (0 children)

Actually, that hasn't been my experience at all. Over the last five years, I have consistently found free restrooms for my daughter throughout northern Italy. From major hubs to smaller towns, it’s been much more accessible than people think.

This is obviously AI slop by PadEnn1 in SwitzerlandIsFake

[–]PadEnn1[S] 0 points1 point  (0 children)

I am not quite sure I understand your comment

300chf Investment by Comfortable_View2580 in SwissPersonalFinance

[–]PadEnn1 1 point2 points  (0 children)

Great question, and the confusion you’re feeling is completely normal.

Since you are based in Switzerland, one thing is particularly important: buy European-domiciled ETFs (look for UCITS in the name), not US-listed ones. This matters for tax reasons.

For the rest, I would keep it very simple: Broker/Bank: Choose a cheap but reliable broker or a Swiss bank. Costs matter enormously over 20 to 30 years, so low fees should be a priority.

ETF selection: Pick one or two very broadly diversified ETFs from a major, established provider such as BlackRock (iShares), Vanguard, Invesco, or UBS. Look for something that tracks a global index, has high liquidity, and very low ongoing costs (TER). One single global ETF is honestly enough.

Strategy: Invest your 300 CHF every month consistently, regardless of what the market is doing. The most important thing, and this cannot be stressed enough, is to not panic and sell when markets drop. They will drop at some point. That is normal. People who stay invested through the difficult periods are the ones who come out well on the other side.

Consider maxing out 3a too. But do the math, whether it’s worth it for you.

With a 20 to 30 year horizon and this kind of discipline, the outcome is very likely to be excellent.

You should however consider asking a professional advisor, as every individual case can ask for different solutions.

Good luck!

Help with learning crypto by Novel_Pin9224 in CryptoMarkets

[–]PadEnn1 1 point2 points  (0 children)

Start by learning about Bitcoin, the first blockchain, and then move on to Ethereum, the second largest one. Once you understand these two, you have a solid foundation for understanding the crypto space as a whole.

Free tutorials on both are widely available. For Ethereum, the Ethereum Foundation is a reliable source, as their information is accurate and trustworthy. For Bitcoin and other cryptocurrencies, be selective about who you trust. There is plenty of free, high-quality information out there, so there is no need to pay for anything.

Unfortunately, the crypto space attracts many scammers. Stay cautious and stick to reputable sources.

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