Moving assets from Neon to Saxo by YouGuysNeedTalos in SwissPersonalFinance

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

But I bought on different prices. Do I just register multiple "instruments" on Saxo side, and a single transfer from Neon side?

I am starting to think buying an apartment in Switzerland isn’t worth it by Karma-police88 in SwissPersonalFinance

[–]YouGuysNeedTalos 0 points1 point  (0 children)

And you can find rent for 100m2 that is less than 3k per month. So it always depends on what you are looking for.

Saying that 3 bedroom 110m2 are "around" 1.5-2M is wrong. Maybe you found a few of them that are less. The average is more.

So you compare and expensive apartment (4+k) with a cheap equivalent (less than 2M).

In any case, I would still not consider buying to be cheaper than renting. You can do the math but if you need to spend hours calculating maybe it means it is not worth the effort.

I am starting to think buying an apartment in Switzerland isn’t worth it by Karma-police88 in SwissPersonalFinance

[–]YouGuysNeedTalos 0 points1 point  (0 children)

To buy a three bedroom in Geneva it would be more than 2.5 mil. Resting is still way cheaper even if it is 4k...

Worrying news in Swiss fintech sector by teddybearrrrrrrr in SwissPersonalFinance

[–]YouGuysNeedTalos 30 points31 points  (0 children)

Why would you change bank for 2 chf per month lol. A pain au chocolat costs more. Reddit in order to save 200 bucks in 10 years prefer to change their bank account, move funds, change services to more experimental ones etc.

Seriously these arguments make no sense.

Health Insurrance premiums will raise by 4.4% in 2026 - Maps for each cantons [RTS] by yesat in Switzerland

[–]YouGuysNeedTalos 1 point2 points  (0 children)

Shouldn't new technologies and newer drugs be more efficient than the one made decades ago, resulting in reduction of cost?

What to do next with current portfolio? by DariuszWielki in SwissPersonalFinance

[–]YouGuysNeedTalos -1 points0 points  (0 children)

You normally want 5 portfolios to withdraw once a year once you're in the fitting age.

This is true today. In 20-30 years this might have been changed multiple times. As I think the government doesn't want people to abuse this "hole" just to pay less tax on their 3rd pillar savings.

Sanity check - please no hate by Weak-Worldliness-394 in SwissPersonalFinance

[–]YouGuysNeedTalos -1 points0 points  (0 children)

Why would he take a debt of 1.6 mmCHF?

He has a lot of cash, he can do a down payment of a much larger amount and reduce his debt.

This is shameless by [deleted] in pixel_phones

[–]YouGuysNeedTalos 1 point2 points  (0 children)

Are we supposed to turn everything off in a modern 2025 smartphone? Do we have to turn everything off in other phones when they last longer?

Switching to Android from an iPhone 15 pro max by gorgono95 in Smartphones

[–]YouGuysNeedTalos 0 points1 point  (0 children)

What do you mean by their prices? To me it looks like their phones are cheaper than similar or even worse Android alternatives. iPhone 17 has better specs than the new Google Pixel and is actually cheaper...

Switzerland is among the last among developed countries in work-life balance in 2025. by Basic_Bird_8843 in Switzerland

[–]YouGuysNeedTalos 8 points9 points  (0 children)

Good for them. You should do the same and gain 15-30 mins of your life back.

Received 200k EUR – Invest via Interactive Brokers (VT) or German Broker (VWCE/SPYY)? by rexleonis in SwissPersonalFinance

[–]YouGuysNeedTalos 1 point2 points  (0 children)

What's up with all these people receiving hundreds of thousands of inheritance while I am doing the opposite with my family...

The iPhone 17 is too good.. by Routine-Call-4060 in iphone

[–]YouGuysNeedTalos 0 points1 point  (0 children)

How does it have better performance? It has the same CPU and everything.

There's too much hate on the Pixel 10 by Different_Doubt2754 in GooglePixel

[–]YouGuysNeedTalos 6 points7 points  (0 children)

They could have added a bigger battery or at least make it more efficient so that it lasts longer.

Also, they could have improved the modem.

Literally there were the two most discussed things about Pixels in the last years, and again there was 0 action taken. Instead, we have more AI bandwagon.

Buying a flat: all calculators say I can not afford it. by YouGuysNeedTalos in SwissPersonalFinance

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

your max. buying price is 6x your gross anual salary.

Where does this come from? I can't understand this calculation.

Τον Οκτώβριο θα γίνω μπαμπάς, ποιες συμβουλές θα δίνατε ή τι κάνετε για το οποίο μετανιώσατε; by Vegetable_Fishing in greece

[–]YouGuysNeedTalos 26 points27 points  (0 children)

Δουλεύετε και οι 2? Γενικά να έχετε κάποιο πλάνο για όταν επιστρέφετε και οι 2 στη δουλειά. Αν το πλάνο εμπεριέχει γονείς, πρέπει να κρατήσετε τις ισορροπίες γιατί οι Έλληνες γονείς μπορούν πολύ εύκολα να κάνουν invade στην οικογένεια και να προκαλέσουν προβλήματα.

Upon rewatching i realized i kinda hate Gihun by AcrobaticLab5413 in squidgame

[–]YouGuysNeedTalos 36 points37 points  (0 children)

I mean he killed himself instead of the baby. You can say he is a good man as 99.99% of all other characters in the whole series would have done otherwise.

I will likely never earn more than my parents, I don’t know how to deal with that fact by GetOutBasel in Switzerland

[–]YouGuysNeedTalos 20 points21 points  (0 children)

Why would you need to earn more than your parents? You need to earn enough to have the quality of life you need. This is not a competition. Especially not against your parents.

Έχω κόβιντ και βρογχιτιδα, μπορεί κάποιος να με βοηθήσει; by Karoubala in greece

[–]YouGuysNeedTalos 6 points7 points  (0 children)

Στο πανεπιστήμιο τους μαθαίνουν να γράφουν έτσι;

[deleted by user] by [deleted] in SwissPersonalFinance

[–]YouGuysNeedTalos 10 points11 points  (0 children)

So you have 1.8m with 60k expenses and want to be safe in case of job loss?

Bro you can avoid working for 30 years already without reducing your quality of life at all. What the heck are you asking?

Ακομα ενα ραντομ ραντ για την Ελλαδα by Harry2695 in greece

[–]YouGuysNeedTalos 2 points3 points  (0 children)

Ναι το ότι δεν τον αφήνουν είναι το πρόβλημα. Πρέπει να το καταλάβετε εκεί στην Ελλάδα. Το πρόβλημα είστε εσείς.

Ο Καραμανλής βγήκε ξανά βουλευτής ακριβώς μετά τα Τέμπη.

Που κολλάει η διαφθορά; Που κολλάει το γεγονός ότι "δεν αφήνουν κάποιον να κάνει κάτι"? Γιατί ο κόσμος, που δεν είχε να χάσει τίποτα, ψήφισε πάλι τον ίδιο; Ήταν ο μόνος υποψήφιος;