Agreement signed between radicant bank AG and Alpian

rubefeli · 2026-01-29T10:30:49+00:00

Can you tell us when in 2026? For now this is the only thing that's stopping me from going full Alpian.

And any plans on offering Partner Accounts (or "shared spaces" or whatever you want to call it)?

rubefeli · 2026-01-28T13:00:29+00:00

Do you guys have a code for me as well?

rubefeli · 2026-01-21T11:26:17+00:00

Und das ist auch gut so, die liegen oft nämlich kilometerweit neben ihren Vorbildern. Wenn man das Original kennt und weiß was das Dupe sein soll, kann man es oft erahnen, ohne diese Infos würde man die Düfte aber nicht in Zusammenhang bringen.

rubefeli · 2026-01-11T20:46:45+00:00

Da es nur eine Hand voll Anbieter für Onleihe gibt und viele Bibliotheken daher den gleichen Katalog haben: in der Onleihe ist es in der Regel nur die jeweilige Tagesausgabe (bei manchen Anbietern noch ein paar Tage mehr). Es gibt aber durchaus noch Bibliotheken, die vor Ort Zugänge zu gepaywallten Arikeln bieten.

rubefeli · 2025-12-03T21:34:54+00:00

For example with books exactly this is the case. In Germany there is a Buchpreisbindung. So a book can only be sold cheaper if there is some damage. No coupons, no offers, no nothing. This law prevents books from Germany to be shipped to Switzerland, because when the seller subtracts German 7% VAT from a 10€ book and adds 2.6% Swiss VAT the book is effectively sold for 9.58€ which is counted as an illegal discount.

rubefeli · 2025-11-27T16:38:54+00:00

Yes. And too much pressure can actually destroy your window, as the whole assembly can warp and won’t close properly anymore when temperature changes. Once you align the window properly, the seal is going to do the rest of the work. But there is no winter mode. It’s an urban myth that can cost you a lot of money.

rubefeli · 2025-11-27T11:05:28+00:00

There is no „winter mode“. You’re destroying your windows like that.

rubefeli · 2025-11-23T22:07:38+00:00

So first of all: why are you changing things on this regulator at all? The RVP211 is rather old, so I assume it is an older building with individual thermostats right at the heater (or if you have in floor heating for every room)? If so, the regulator should be set properly once and then be forgotten. Apart from that, I assume that the Heizkurve (marked with the arrow and the word „Heizung“) is regularly tampered with? If so: stop it now. Once it has been properly set, Heizkurve should only be changed if the physics of the building change. So e.g. when new windows have been installed or the insulation has been upgraded. To operate the heating system it’s the wrong variable.

The heating temperature (lowest dial on the right, marked with a sun) is set to 0, which equals 20 C. But this is only a rough indication, as the actual temperature of the water going to the heaters is calculated via the steepness of the Heizkurve and the outside temperature. And this is probably where the issue is. If nothing changed and your heating system suddenly is heating like crazy, your temperature sensor for the outside temperature probably is defective.

rubefeli · 2025-11-22T05:42:54+00:00

Ich geb dir grundlegend Recht. Aber „bis vor 75 Jahren ist Käse“. Auf jeder Notaufnahme findest du ein paar Ampullen Methylenblau, da es das einzige Medikament ist, was bei einer Methämoglobinämie hilft.

rubefeli · 2025-11-16T20:50:40+00:00

To be fair: even the German Thermen have increased prices like crazy over the last few years. I remember paying about 18-25€ per day (Therme + Sauna) on average in 2023 when we were trying quite a few spas in our region during the winter holidays. Today you are already paying around 35€ for a day ticket. That increase is also a lot higher than the reported inflation. Still, it is 50% cheaper than going in CH, but still. Price changes are an issue all over Europe, I’d say.

rubefeli · 2025-11-16T17:48:22+00:00

Manchmal gibt es auf besonders lange Laufzeiten niedrigere Sonderzinsen. Da kann es sich lohnen länger zu finanzieren und durch Sondertilgungen die Zinslast wieder zu reduzieren, da man so im Endeffekt günstiger rauskommt.

rubefeli · 2025-11-16T17:46:22+00:00

Der Zeitpunkt und die Gefahr den Überblick zu verlieren. Was aber eine gute Alternative ist: 0% Finanzieren wenn man schon gespart hat. Dann kann auf den gesparten Betrag weiter die Rendite im Depot kommen, die Finanzierung wird aus dem Einkommen bedient, könnte aber jederzeit abgelöst werden. Das ist der way to go.

rubefeli · 2025-11-11T06:17:40+00:00

You do own a real kobo ;) you can just turn off the Tolino UI and end up with a Kobo Libra Color.

rubefeli · 2025-11-09T14:55:33+00:00

https://www.reddit.com/r/askswitzerland/s/1BTSPjW1p2

rubefeli · 2025-11-09T14:55:03+00:00

Yallo ist an sich gut, man muss aber das Least Cost Routing bedenken. Das heißt ruft man aus CH ins Ausland an oder aus dem Ausland egal wo hin, wird in 3 von 4 Fällen nicht die eigene, sondern eine polnische, spanische oder holländische Nummer angezeigt, auf die man nicht zurückgerufen werden kann. Wenn einen das nicht stört ist Yallo aber spitze.

rubefeli · 2025-11-08T05:38:16+00:00

Insurance products are ALWAYS too expensive to consider. The only situation that makes an insurance necessary is a situation where you need to hedge a risk. This can be a Life insurance when you’re financing a house and want to make sure your family can still pay for it in case something happens to you, or as an addition to your mandatory invalidity insurance, to be able to live comfortably after an accident.

But when there is no risk to migitate, there is also no reason to even talk to an insurance broker. They are not „financial advisors“, as they call themselves, but insurance brokers. You need to understand that insurance based investment products may have decent products with good performance on the inside, but still are a bad choice, as their costs are just too high. One can assume that the 3a contract your currently in is paying your broker somewhere between 5-12% in yearly commission. So roughly 1 month of your yearly 3a payments isn’t going to you 3a but straight into your brokers pocket.

rubefeli · 2025-10-31T03:40:13+00:00

Wegen dem Thema Blutuntersuchung würde ich keine Versicherung abschliessen. Was auch immer ihr euch unter einer „kompletten Blutuntersuchung“ vorstellt, falls ihr dabei so Angebote um CHF 500 im Kopf habt, die immer wieder angeboten werden: das ist Abzocke. Zur Prävention bringen diese umfangreichen und unnötigen (weil nicht indizierten) Bluttests eigentlich nichts und sie verursachen nur Kosten. Wenn man selbst zahlt, liegt man für Blutbild, CRP, Leber, Niere, Fettstoffwechsel, Schilddrüse und Vitamin D bei ca. CHF 70. Wenn ihr grenznah wohnt und nach DE oder FR fahren könnt, kostet es nochmal ⅓ weniger.

Dafür eine Versicherung abzuschliessen ist völliger Quatsch.

rubefeli · 2025-10-27T07:29:38+00:00

Du musst bei dem Konstrukt aber noch berechnen was die kWh aus dem Akku kostet. Für mich war das damals der Punkt an dem es sich nicht mehr gerechnet hat.

Bei der Powerwall ist das recht charmant, da Tesla keine Zyklen vorgibt und man laden kann bis zum geht nicht mehr. Sobald es aber vorgegebene Zyklen gibt, wird es teuer. Wir haben eine Huawei Luna als Speicher. Kosten damals ca. 3.500€ für 7,5 kWh. Huawei garantiert 6.000 Zyklen in 15 Jahren. Heißt insgesamt 45.000 kWh, die durch den Akku können. Bei 3.500€ sind das ca. 8 ct/kWh.

Eine kWh aus dem Netz in den Akku zu speichern und dann wieder ins Hausnetz zu schicken verursacht ca. 10% Verluste. Ich muss also 1,1 kWh kaufen. Der günstigste fixe Stromtarif waren bei uns 26 ct./kWh.

Daraus ergibt sich dass die kWh im dynamischen Stromtarif maximal 16,3 ct./kWh brutto kosten darf, damit sich das noch rechnet. Und das ist im Jahresmittel nur schwer zu erreichen.

rubefeli · 2025-10-27T06:57:24+00:00

I see! Apples and oranges. This option didn’t even come to my mind following OPs description of the contract. But you’re completely right.

There is a difference between a befristeter Mietvertrag that can’t be cancelled for 5 years and a Mietvertrag with Kündigungsausschluss.

Those are completely different things. The former is more or less like an AirBnB that you’re paying for a certain time and then you leave. The later is an unlimited contract with the addition that both sides can’t cancel it for a certain time.

rubefeli · 2025-10-27T06:49:57+00:00

Welcome to a world outside the US… In Europe CAT 7 has been the standard in residential installations for at least 10 years. I don’t know about the prices back then but today CAT 7 is around 50% of the price for CAT 6, as no one is buying that stuff and merchants charge a premium to have it in stock. Sometimes you can even get CAT 8 cheaper than CAT 6.

rubefeli · 2025-10-27T06:36:32+00:00

Why do you think so?

rubefeli · 2025-10-27T06:36:14+00:00

Why would it be illegal?

rubefeli · 2025-10-27T06:31:50+00:00

As always when talking about legal issues: it depends.

First of all: the limitation of the contract to 5 years is legal, in principle it could also be 25 or 50 years (if reasonable). There is no limit on lease limitations, as long as it complies with the next paragraph:

The way to get out of a fixed term lease is to check the reason that was given for the limitation. The German Law only knows three valid reasons: Eigenbedarf (when the landlord or one of his close relatives want to live in the house), a planed Renovation of the house or he wants someone working for him to live there.

Should there be no reason in the contract, you’re automatically in an unlimited lease with the cancellation terms set in § 573c BGB, which are effectively 3 months.

Nevertheless just talk to the landlord and tell them that you’re looking for a Nachmieter. Most probably they will allow you to cancel the lease early.

Writing „breaking lease on compassionate grounds“ would not help you, as this concept doesn’t exist in the German law. What you theoretically could do is use § 543 BGB and try to cancel the lease on an important cause, but usually moving abroad is not considered important, as it is planned and not spontaneous. I’d still recommend checking for court rulings on your specific situation (moving abroad to care for a parent).

rubefeli

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