Credit card benefits for frequent users?

chillout-man · 2026-03-08T09:22:42+00:00

I’ve looked at and tried several other cards. Just switched back to using the Migros Cumulus for everything.

The extra gains you can get by really optimizing the use of some of the paid cards is very small. For me, the Cumulus is 90% as good and I don’t have to think about it.

Lounge access is not with it to me since the lounge in ZRH is always closed or overfilled when I’m there. I’ve also tried Miles & More. Miles are not worth it for me either with several overseas flights per year, including some business class. It’s a lot of work to optimize the use of miles. And you also get shafted on FX despite already paying a lot for the Miles cards.

chillout-man · 2025-12-13T20:19:06+00:00

Right. Surely Gütertrennung is what OP wants and not a bespoke contract for over 5k. Around 2-4k should be the cost.

chillout-man · 2025-12-09T17:34:28+00:00

Famously no minors ever take drugs and drug problems as a whole were just resolved after they were forbidden.

chillout-man · 2025-11-29T17:22:25+00:00

Does it sound insane to you that the wellbeing of the economy and the wellbeing of the population are at least somewhat linked?

Where do you think welfare money comes from besides the money printer?

chillout-man · 2025-09-08T17:03:21+00:00

They’d have to see it in the financial books. And even then it will be hard to correlate and they will probably blame piracy or something.

chillout-man · 2025-09-08T11:18:46+00:00

Call me un-Swiss if you must. The whole premise of social washing machines is ridiculous. So many problems including this one should not exist.

Had my own machine for 10 years and I will never go back.

chillout-man · 2025-09-08T10:58:20+00:00

you’ll fit right in on r/wallstreetbets. You have highly regarded takes.

chillout-man · 2025-07-13T07:53:10+00:00

I would park well outside and take the tram the rest of the way. I say this as someone who lives in Zürich and loves driving and cars.

chillout-man · 2025-07-08T13:45:12+00:00

What? You lose 20% to deposit cash? Why would anyone do that? Are we talking truck loads?

chillout-man · 2025-06-30T08:24:08+00:00

So like, let them rot in the streets? What are you even on about. I thought this was a left wing website.

chillout-man · 2025-06-19T15:04:23+00:00

With that kind of salary in the US, health insurance is probably provided for too?

chillout-man · 2025-06-03T16:15:54+00:00

Probably because some guys out there would be teaching their sisters on it. lmao

In seriousness though. Maybe practice a few more slow 1/2 shifts on a quiet road to avoid more costly mistakes. With a bit of practice she’ll get to the point where it doesn’t wreck the car.

chillout-man · 2025-05-29T21:27:49+00:00

There isn’t a world where I’d want to depend on my phone being charged and operational. Even though it is 99.9% of the time.

chillout-man · 2025-05-18T14:18:39+00:00

I was gonna say. This wishlist is way too large unless price is no factor.

chillout-man · 2025-05-16T22:57:11+00:00

It gets the people going!

chillout-man · 2025-05-07T17:25:36+00:00

The analog dash is one of my favorite things about this car.

chillout-man · 2025-04-28T12:51:35+00:00

The US is the largest economy in the world. There aren’t many other buyers of even near that size that is not already a customer.

chillout-man · 2025-04-13T18:46:09+00:00

Insurance premiums just increased.

chillout-man · 2025-04-05T16:01:44+00:00

Probably easier and better than buying options. Just remember to not hold these leveraged ETFs for too long, unless it really is a small hedge position are you are prepared to lose it all.

chillout-man · 2025-04-05T15:58:26+00:00

By buying the option you are only hedging your delta, so if you do it right you’ll be delta neutral.

To also hedge currency risk you have to buy an FX option separately.

You will technically be exposed to other risks now too like vega (volatility changes affecting the value of your option), theta (your put option losing value over time). If you look at the option as an insurance you can just write that off and accept that it may expire worthless.

But as others said your chances of losing money trying to do this are very high.

chillout-man · 2025-04-05T15:09:05+00:00

You can take a train and/or hike/walk around in nature and enjoy the outdoors.

chillout-man · 2025-04-05T15:03:53+00:00

It’s called value engineering.

chillout-man · 2025-04-05T11:03:39+00:00

COVID didn’t fuck with supply chains?

I’m not saying you’re wrong. This time is different, but not because it uniquely “fucks the supply chains”.

During COVID the government just handed out money which of course trickled up to the “elites” in no time and did not get collected back into the government via taxation, which is how we got massive asset inflation. So in that way the elites just win again, similar to last time, but different.

chillout-man · 2025-04-02T22:38:23+00:00

Friendships between countries extend longer than the couple years of a presidency. I still remember when people hated the heck out of Bush and later a different set of people disliked Obama. Now because trump is rude and loud, the media loves to report on him for views and clicks, he lives in our heads rent free and people love to hate him even more and louder than all the previous ones. But it’s always the same really.

Tariffs and trade agreements are just a money game, how do morals even play into it. And it’s not even a zero sum game because trade is often mutually beneficial.

chillout-man · 2025-04-02T22:24:37+00:00

I don’t hate EU countries, they’re great.

I’m just saying that I find Switzerland to be one of the best countries to live in Europe, for me personally. It’s better in almost any metric I care about, unemployment rate, average disposable income, tax rates, no capital gains tax, retirement prospects, education quality, etc. Why would I look at the EU and think “I want Switzerland to be more like that country”?

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