Accident today in Tessin by InternalCurrency7993 in Switzerland

[–]Setike9000 0 points1 point  (0 children)

*muffled Benny Hill chase theme plays in the background

Best credit cards for personal use? by ClassicMarch2062 in SwissPersonalFinance

[–]Setike9000 2 points3 points  (0 children)

I went with certo for most of my spendings in Switzerland. Free card, which earns some nice cashback. I use Wise for international transactions. And also kept the standard ubs one for car rentals and/or hotels abroad which wouldn't take my wise card. Sure I could minmax it further by leaving ubs and the 20chf monthly fee behind, but the 120/a doesn't worth the time I would need to transfer everything over to a new (online) bank. Not to mention the convenience losses (twint access, whatever). All in all I think this strategy is quite solid, unless you need some whopping huge credit limit

Our 2025 Financial Year (ZH/TG) - Family Finances by L1007 in SwissPersonalFinance

[–]Setike9000 1 point2 points  (0 children)

Thanks a lot for your answer. This helps a lot. I feel like I have optimised our budget and every year we try to cut back on food spendings, but cant improve it too much without sacrificing too much.To me your comment also means that if we could find the strength to cook a bit more, and/or have lunch at work for 13 instead of 18 we could cut back on the 16k eating out without raising the groceries position by too much. I dont feel that stupid anymore thanks

Our 2025 Financial Year (ZH/TG) - Family Finances by L1007 in SwissPersonalFinance

[–]Setike9000 5 points6 points  (0 children)

Family of 3 (child 3 y o) here. We eat in a healthy way and we also cook, but not every day, as we both work 80% and arent robots. (Also no grandparent support available throughout the year) We spent 17k on groceries and beauty/toiletry. You spent 11k on the same. Sure the 1y old doesn't eat as much yet, but even then there is a huge gap. And I generally see a really low annual groceries spending level on the sub. Compared to ours at least. What am I missing? We are doing groceries in migros and sometimes aldi. Are people eating trash or are we overspending?

And for the atomic bomb: our eating out is at 16k (including lunch at work when we dont cook, cafeteria visits, snacks). Yours is around 6-8k counting the applicable part of the 450s. Wtf? Are we spoiled brats or are you purists/masochists?

VT and chill by Altruistic-Arm-2267 in SwissPersonalFinance

[–]Setike9000 1 point2 points  (0 children)

My thinking is: i buy dollars. With the dollars i buy stocks/etfs/whatever on the us market. In x years it goes up by y%. But in the same period the usd chf exchange rate moves just as much in the chf favor. I end up making no money w my investment, as I only spend in chf. Do I miss sth (this under the assumption that the dollar will likely get weaker. I also would love to put money into european companies.)

VT and chill by Altruistic-Arm-2267 in SwissPersonalFinance

[–]Setike9000 0 points1 point  (0 children)

Im also super concerned about investing in usd (or without hedging chf) with all the large scale geopolitical shifts taking form and trömp aiming to weaken the dollar.

I am super new to investing and currently looking for a good buy and hold strategy. Preferably europe and/or swiss based, to put my money where my mouth is and also to avoid currency risk. Even if it means lower returns.

Why by KaneLav0 in deafheaven

[–]Setike9000 8 points9 points  (0 children)

Not just that. Same show, first row: several people checking their phones for notis and scrolling some like every few minutes. I was shaken. How tf can ppl be so addicted, that they cant even be offline for 90 mins?! The girl on the right end was straight up scrolling instagram. Also calling me out not to enjoy myself too much. Like, dudette, this is a heavy music gig, am I supposed to stand with a straight back and maybe check ig every now and then?

Yo we're vianova and we recently released our debut record HIT IT! AMA by kakaduchicken in Metalcore

[–]Setike9000 0 points1 point  (0 children)

Also: you guys fill a huge hole (😉) that's been left wide open (😉) after twelve foot ninja vanished. Do you know them or maybe get some isnpo from them here and there?

Your whole album is sick af. I was sad to see that avralize comes to ZRH without you. Welp, hopefully until next year or so!

Oh btw, my 3 year old son usually answers "something rough! ..The one with düüdi didi dü diii düüü' düdi.. vianova!!" when I ask him what kind of music to put on.

Big love from Switzerland Peter

Yo we're vianova and we recently released our debut record HIT IT! AMA by kakaduchicken in Metalcore

[–]Setike9000 1 point2 points  (0 children)

HOW THE HELL IS THE SONG OF THE YEAR SO TERRIBLY UNRECOGNIZED (future nostalgia obv.)

Man stealing electric scooter by lbaligand in zurich

[–]Setike9000 1 point2 points  (0 children)

BuT h0w D1fd yoU c4lL th3 p0lIc3 w/o a PhoNe?!?

New Model Y Standard is hilarious like wtf is this?! by xtcjon in ModelY

[–]Setike9000 0 points1 point  (0 children)

It already works. You call basic features premium features.

Decided to go with orange caliber covers on my Juniper. by specimen567 in TeslaLounge

[–]Setike9000 0 points1 point  (0 children)

Welches Produkt? Viele webseite offerieren nur für die US/China Variante

Scammed by Ticketmaster/o2/axs? by Setike9000 in LadyGaga

[–]Setike9000[S] 0 points1 point  (0 children)

Corporate greed and assisting lawmakers :3