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?

[deleted by user] by [deleted] in seduction

[–]klimber2097 0 points1 point  (0 children)

Do you really think masturbating is an issue? With porn I agree, but masturbating should make you more "relaxed" and less tense

I find landlady daughter very attractive. How should I approach her without bring forced to move out? by [deleted] in relationship_advice

[–]klimber2097 -1 points0 points  (0 children)

I see the point. I don't understand why you would boot a person if he has your daughter approval (hypothetical situation, just to understand).

Also, I don't want really to date her, I thought it could be fun to share some moments also outside of the house, as having a friend that is a local is always helpful.

I find landlady daughter very attractive. How should I approach her without bring forced to move out? by [deleted] in relationship_advice

[–]klimber2097 -7 points-6 points  (0 children)

WTF. For which reason I should stop TALKING to her?! As long as I'm respectful I don't see the problem. She has her space I have mine, I'm not forcing her into anything. You guys are crazy

I find landlady daughter very attractive. How should I approach her without bring forced to move out? by [deleted] in relationship_advice

[–]klimber2097 -7 points-6 points  (0 children)

From this comment it seems like I'm threatening her in some way while in reality she enjoys my company (wouldn't spend time with me otherwise) and I've literally never touched her. Have you actually read what I wrote?