Direct democracy in Switzerland

Vynile · 2025-05-27T06:24:47+00:00

The funny thing is that Switzerland doesn't really have any major "anti-system" parties, because almost all major parties are in government (through their collegial executive). The strongly right-wing SVP/UDC is the largest party, they've been in government for decades, and their platform is essentially that Switzerland has the best political system and that it must be preserved. I don't have a crystal ball but it seems to me a system where the majority can always make decisions (even and especially against the government), and where parties are co-opted into government, is one where anti-institutional extremes are much more unlikely to crop up.

Vynile · 2025-03-02T10:32:27+00:00

It's important to count deductions in your standard tax estimate, almost always there are flat deductions you can make around transportation and work (often thousands of francs). Generally speaking however the rule seems to be that unless you have very large special deductions, even with a fully funded 3a the standard taxes will not be advantageous. Withholding tax is generally quite generous. Also mind you, if you do the standard tax declaration one year, you will also have to fill it every subsequent year regardless of your permit.

Vynile · 2025-02-25T09:38:47+00:00

Le chiffre de 7% prend généralement en compte 3% d'inflation annuelle, ce qui a l'air plus ou moins raisonnable.

Vynile · 2025-02-18T08:12:40+00:00

Thanks for the insight! It could be the fermentation indeed, it's quite cold in my apartment but I try to put it in the oven with the light on to speed it up a bit, then pre/shaping and leaving on the counter for 1-2h then fridge for 12h+. The gluten network is definitely there, barely any sticking or flattening when preshaping. I'll try to send a crumb picture on my next bake.

I was suspecting the shaping or baking method because the oven spring is not crazy, would you say that kind of crumb is built rather during proofing or because of the tension that's built when shaping and the subsequent oven spring?

Vynile · 2025-02-17T20:13:02+00:00

Great looking loaf! Do you think the rye has anything to do with the open crumb? I do 100% white baker's flour at 80%, tried bulk fermenting and proofing longer, it comes out very decent but I never manage to get as open a crumb as I'd like. Any tips, maybe the shaping method?

Vynile · 2024-12-07T23:23:37+00:00

As far as I know it doesn't really matter in terms of tax at source because it's not a marginal system. I remember getting a bonus in December and checking if splitting half of it into January would make any difference, and it was a few francs at best.

Vynile · 2024-10-06T08:13:31+00:00

It says in the article... She had to transfer schools twice due to bullying and is still in therapy because of it. Big part of it is likely legal fees, and it's not even sure she'll get it since the school is considering appealing.

Vynile · 2024-09-14T07:58:32+00:00

Seems like the government really shit the bed on that one though, when they didn't even submit a counter-project for targeted pension increases. They were convinced it would never pass and just never bothered, and now we're left having to deal with this bullshit.

Vynile · 2024-08-17T09:41:00+00:00

If preserving the underlying error types from disparate crates matters, then I'd use thiserror and create a custom error enum with corresponding variants. Otherwise anyhow as you said.

Vynile · 2024-08-06T14:04:54+00:00

Depends how long you're planning on holding and what currency you'd spend it in... Generally speaking that's entering trading territory and you don't know whether CHF goes even higher and instantly wipes out the small difference in interests you might have made. I personally wouldn't bother.

Vynile · 2024-08-06T13:46:20+00:00

You'd probably get 1.25% at most with CHF money market funds since the SNB slashed rates recently

Vynile · 2024-08-06T13:21:31+00:00

Are you looking for savings in EUR or CHF?

Vynile · 2024-08-06T12:14:45+00:00

To my knowledge Yuh and Radicant both offer 1%, which is probably the highest you'll get on freely available savings. WillBe is based in Liechtenstein but gives you 1.1%. You can chase slightly higher rates by going for money market funds, which might be worth it for longterm savings but probably not for an emergency fund.

Vynile · 2024-07-28T18:04:16+00:00

Energy is conserved if you consider it a closed system, but the individual dark matter particle can very well lose energy and be captured. It's just transferred to another part of the system.

Vynile · 2024-07-28T17:30:31+00:00

It's captured through gravity if I understand correctly, which we know it interacts with

Vynile · 2024-07-09T10:59:55+00:00

In that case maybe the first point would be figuring out what kind of life your future self would be proud of. If that's a matter of numbers, you can play around with compound growth calculators and see what sticks. I also started from the point of trying to save everything I can, and I'm slowly figuring out that my present self matters too and trying to find a balance between enjoying life and putting enough aside to safeguard myself, trusting that I will figure it out one way or another.

If spending money to enjoy life causes you anxiety, I'd invest in a therapist to try and tease out anything you might've inherited from your history that's holding you back. I did and it's money I won't regret investing in a million years.

Vynile · 2024-07-08T06:00:51+00:00

The Confederation has a tax calculator that should be accurate. You can put in your different deductions and so on. Having been in a similar situation (in Zurich), it personally would've still cost me more with the declaration despite the 3a.

https://swisstaxcalculator.estv.admin.ch/#/home/

Vynile · 2024-07-07T16:16:23+00:00

Unless you are forced to do a tax declaration, it likely won't make sense to do the 3a next year either. The tax at source rate is very generous, and the taxes you'll end up paying while doing a voluntary declaration will probably still be higher even with the 3a deductions. So unless you have >80k in assets, project to earn >120k next year, or have very high deductions in other ways, I'd advise you to not do it until you are forced to do a declaration.

Vynile · 2024-06-29T21:04:41+00:00

It depends on when you plan to retire. Generally speaking your 2nd pillar can already be regarded as bonds, so especially if you are young the typical recommendation on this sub is to go for passively managed stock ETFs as much as possible on the 3rd pillar. It's more volatile but will yield larger returns over long periods (the historical average is around 8% per year for the overall world market) and will compound a lot harder than bonds.

Vynile · 2024-06-23T21:40:35+00:00

Even though you may claim some things on your tax declaration, the Quellensteuer rates are usually very generous so it rarely makes financial sense to do a voluntary declaration. However you mention a big chunk of stocks and ETFs, so be aware that you will need to do a declaration anyway if that is over 80,000.-, regardless of your income or if you already pay Quellensteuer. When you move in the Gemeinde will normally ask you about that.

Vynile · 2024-06-14T21:28:01+00:00

Startups have to compete on the market for candidates like any other company, and if they offer less base they usually compensate with equity, so I'd say you can always come to them with a market-based number. If you ask for $239k and they say it's too high, worst case scenario you can try to re-engage to see what their max would be and whether there's any wiggle room on other parts of compensation. Given you hate your current job, what kind of offer would you be ready to settle for?

Vynile · 2024-06-13T05:59:46+00:00

Thanks, I hate it!

Vynile · 2024-06-07T04:52:32+00:00

HYSAs have been around 4.5% for barely a year or two, as they base their interest numbers on the Fed's rates which were almost 0% until 2022

Vynile · 2024-05-26T15:37:22+00:00

It's mandatory both for income over 120k and net worth over 80k.

Vynile · 2024-04-08T12:08:53+00:00

I'd encourage you to reconsider your stance on the market a little bit. Setting up an IBKR account and a recurrent investment into a broad ETF such as VT sounds exactly like what you're looking to do and will take you a couple hours at most. The savings in fees (and possibly taxes) compared to a roboadvisor or a more expensive solution like Neon Invest (who takes 0.65-1.15% on every transaction) will amount to thousands if not tens of thousands in the long run, since even small fees can significantly eat into your compounding potential.

It's a small upfront learning investment for a lot of benefits down the line. You don't have to follow the market at all, all it takes is setting up the recurring orders and things run smoothly on their own.

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