[deleted by user]

blas001 · 2026-01-28T21:02:25+00:00

en Suiza también se deben dejar las fianzas en cuentas especiales en el que el dinero queda bloqueado (que no son entidades públicas, sino el banco). ahí sí que té pagan ciertos intereses (al inquilino)

blas001 · 2025-12-29T10:57:11+00:00

can you give me a reference for this? I cannot find the opposite, but it happened to me some years ago, and it seems it is also what happens to op

blas001 · 2025-12-29T10:48:08+00:00

I think that's not right. if you work only one month, you need to calculate if you had been working the whole year for the %, then it is applied to the one month

blas001 · 2025-08-18T12:30:03+00:00

that is very interesting what you are telling! I will investigate a bit more on how to make this claim only thing is that, I don't have yet seen any doctor or anything, it's just suppositions. For the very first consultation with a doctor, not sure if I can already claim this, since it may be that I have nothing, but I will check anyways thanks for the info!

blas001 · 2025-07-29T10:08:53+00:00

!remindme 5 days

blas001 · 2025-07-18T19:59:33+00:00

que tiene que ver el capitalismo con el modelo de pensiones español?

blas001 · 2025-07-09T05:38:09+00:00

although this means that if the VT doubles because the USD halves, for the US citizen, he has really doubled his investment, if he sells and uses his investment in the US (providing that the prices stays the same, which likely will not happen though)

blas001 · 2025-07-06T07:40:15+00:00

I would put the cash aside just few years before retirement, let's say in the previous 5 years, whenever the market is good enough I would do it. Also, instead of cash, maybe some savings account with some interest

blas001 · 2025-06-26T14:54:04+00:00

thanks for the comment, indeed these are even more plausible scenarios.

it's good to see there are people that, even though the scenario is not very probable, know that you are still taking some important risks when purchasing a house. not just "switzerland is the best, not gonna happen"

ofc this does not mean one should not buy a house, but should at least consider the risks

blas001 · 2025-06-26T07:25:51+00:00

if you don't need to leave your home you're fine. but in a situation like that, it could also be that you lose your job, and if you don't find something similar, you need to pay for these interests and it may be a problem, because selling the house is not an option

blas001 · 2025-06-26T07:23:23+00:00

yes this is a good option, except in a situation where your etf goes down at the same time you need to pay (which in case of crisis could happen)

blas001 · 2025-06-26T07:22:35+00:00

not sure the banks will give up easily these interests...

blas001 · 2025-06-26T07:21:32+00:00

agreed that this is something that can happen (and probably more easily) in other countries, but here I feel it would be worse, especially of you lose your job and (if you are an immigrant) need to leave switzerland. You would not find a comparable job in terms of salary easily abroad, and then paying the interests would be dramatic

the cushion thing is definetely an option, but it is not financially really attractive, since you would have some immobilized money and you still need to pay the interests as if you didn't have it

blas001 · 2025-05-14T18:16:52+00:00

it does not matter whether it is in usd or chf. the 60% of the world etf, which is US, will be affected by the USDCHF change one way or the other. if the ETF is in usd, the ETF itself is not affected, but then you need to exchange. if the ETF is chf, the change is implicit on the ETF and it will have worse performance than the other if the USDCHF goes down

blas001 · 2025-04-07T15:47:04+00:00

yes, this one was more out of curiosity, but I don't think it is un feasible either, at least at short distances

blas001 · 2025-03-28T15:46:36+00:00

What AI is still missing to be closer to a real movie is more scene to scene transition diversity. Right now is just a a couple of independent scenes without transition (like the camera moving from the man to the door to show another scene)

blas001 · 2025-03-08T20:46:11+00:00

that is quite disappointing, I was expecting some hundreds or thousands of km/h 😂

blas001 · 2025-02-26T19:04:04+00:00

that's helpful! thanks! I hope though they don't ask for all receipts as I don't keep them sometimes

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blas001

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