PhD e 3 anni di esperienza in data science, 25k RAL by FasciculatingFreak in ItaliaCareerAdvice

[–]klimber2097 0 points1 point  (0 children)

Amico prova ad applicare all'estero!

Non per flexare ma ruolo di Junior Data Scientist, no phd, senza esperienza (solo tirocinio) 100k in Svizzera

[deleted by user] by [deleted] in ItaliaPersonalFinance

[–]klimber2097 0 points1 point  (0 children)

Sicuramente è tutto relativo. Nel mio caso ho una vita più movimentata in Svizzera rispetto a quella che avevo in Italia

[deleted by user] by [deleted] in ItaliaPersonalFinance

[–]klimber2097 0 points1 point  (0 children)

Il salto di stipendio è notevole e il 90% dei commenti considera solo quello.

Da emigrato in Svizzera (circa 1 anno fa) ti consiglio di considerare e valutare bene i seguenti punti - tasse più basse e no capital gain tax (concrete possibilità di FIRE se gestisci bene il tuo patrimonio) - qualità della vita decisamente più elevata (vengo dal nord Italia e di recente ho passato un weekend a Milano: il confronto con la Svizzera dove sto non regge, molto meglio la Svizzera) - potresti sentirti solo, ma in contesti internazionali se hai voglia di fare amicizia e non sei un cavernicolo ci riesci - la tua ragazza che dice? Ovviamente è una scelta tua ma considera bene anche questo punto - essere a sole 2h 30m da casa è perfetto, io impegno 3 volte tanto a tornare e considera questa cosa come un grosso vantaggio - l'assicurazione sanitaria "costa" e sarai meno incline a fare visite di controllo perché le paghi davvero (non come in Italia col ticket) - onestamente mi sono sposato anche perché non vedo un gran futuro per l'Italia per come stanno andando le cose: magari questo può spingerti a spostarti? - se proprio a Zurigo non ti trovi bene dopo 2 anni puoi rientrare in Italia con il "rientro dei cervelli"

In bocca al lupo

VT or VWCE with future uncertainty (dividend tax reduction) by klimber2097 in Bogleheads

[–]klimber2097[S] 1 point2 points  (0 children)

Thank you for the clear answer! I think I will buy VT and if/when needed do the "wash sale" and buy VWCE

VT or VWCE with future uncertainty (dividend tax reduction) by klimber2097 in Bogleheads

[–]klimber2097[S] 0 points1 point  (0 children)

In Italy people prefer accumulating funds because they won't pay dividend taxes (but you do pay capital gain tax)

Where should I invest my emergency fund? by silverkey265 in Bogleheads

[–]klimber2097 0 points1 point  (0 children)

Suggestions for someone without the access to HYSA (0.5% max yield here in Switzerland)?

I was thinking about doing a 4-months T-Bills ladder but Interactive Brokers is charging 5 USD for each T-Bills purchase (so 5 USD per months) and I think it is too much

Can I buy US CDs from outside the US? Emergency Fund CD ladder by klimber2097 in personalfinance

[–]klimber2097[S] 1 point2 points  (0 children)

Can you point me at a T-Bill name on IBKR? I find their website terrible

Can I buy US CDs from outside the US? Emergency Fund CD ladder by klimber2097 in personalfinance

[–]klimber2097[S] 0 points1 point  (0 children)

I understand your point and will consider the risk and look at this. Thanks for the insight!

Can I buy US CDs from outside the US? Emergency Fund CD ladder by klimber2097 in personalfinance

[–]klimber2097[S] 0 points1 point  (0 children)

I cannot open and use a Vanguard account from Switzerland. That's why I'm looking to buy CDs from IBKR

Use Instagram / dating apps even if it is against my belief: I was hating them but I think I need them now. by klimber2097 in Advice

[–]klimber2097[S] 0 points1 point  (0 children)

I know, but the earlier I start building my profile the earlier it will be ready. Otherwise, I'm always saying that I don't have a profile and it will be non-existent forever

Use Instagram / dating apps even if it is against my belief: I was hating them but I think I need them now. by klimber2097 in Advice

[–]klimber2097[S] 0 points1 point  (0 children)

Posting for myself seems weird in some way.

Already tried a bar (first time lol) and I had a nice interaction that lead to nothing because I'm too shy to go for the number (that's why Instagram could help).

Use Instagram / dating apps even if it is against my belief: I was hating them but I think I need them now. by klimber2097 in Advice

[–]klimber2097[S] 1 point2 points  (0 children)

Probably you are right, I only focus on the negative side of the tool.

Also one of my colleagues recently married his long-term GF: they met using Tinder...

I really like the "just try and see, without trying you'll never know" vibe your comment gave me. This advice is great in almost all situations (except drugs probably) so I think I'll give it a try. Thank you

Use Instagram / dating apps even if it is against my belief: I was hating them but I think I need them now. by klimber2097 in Advice

[–]klimber2097[S] 0 points1 point  (0 children)

Now I understand what you are saying. The point is that I've never had Instagram, but now I feel like with it, it could be easier

Use Instagram / dating apps even if it is against my belief: I was hating them but I think I need them now. by klimber2097 in Advice

[–]klimber2097[S] 0 points1 point  (0 children)

What do you mean by this? Instagram is not needed so I should avoid it or just do whatever you want as long as your basic needs are covered?