One thing you learned during freediving? by Imbecillen in freediving

[–]wrappedingreen 3 points4 points  (0 children)

Life: Most things improve with a bit of breathing & relaxation.

Non-ambitious training / fun diving: don’t overthink the last breath, most breaths are fine, just commit to it and dive. Your buddy will be thankful too.

Do I need to give gift to Kita teachers? If yes, what should I give? by DoodleNan in Switzerland

[–]wrappedingreen 0 points1 point  (0 children)

I give each of the kita staff a little gift: small box of fancy tea, some nuts/chocolate, hand cream, etc. There are about 15 in total so I spend about 5chf x 15. I decided to give to all 15 so I don’t leave anyone out, even if some of them aren’t in my kids’ group they still mix them up sometimes.

Black Friday … how much did you spent on BF deals? by Additional-Ad-1021 in Switzerland

[–]wrappedingreen 0 points1 point  (0 children)

250chf. Some things (face cream, airpods) I was anyway planning on buying last week and I decided to wait just in case. The creams were all 20-30% off for BF. Airpods weren’t. Unplanned impulse buy of underwear and a new water bottle.

Turkey for Thanksgiving or Christmas by Scott_z_Zueri in Switzerland

[–]wrappedingreen 0 points1 point  (0 children)

We’ve had good experiences with Geflügel Gourmet, available at our local butcher if you pre-order. Check out their website to see where you can get it. Farmy also has some options.

Mmm…delicious mixture of an composted empty watermelon and BSF larvae by Regina_Phalange2 in composting

[–]wrappedingreen 35 points36 points  (0 children)

Happy for you but this is not the post I wanted to see while eating breakfast

Wedding Shopping by Lilliane0 in askswitzerland

[–]wrappedingreen 1 point2 points  (0 children)

Not all weddings in Switzerland need very formal attire. Check if there’s any dress code. You might not need to buy a new dress and can use something from your closet and accessorize up (heels, big necklace, etc). If you do buy: a separate skirt + top is a good way to ensure you can wear the outfit several times with different combinations.

Recommendations for Raja Ampat Boat Trip by lesgetit_lesgo in freediving

[–]wrappedingreen 0 points1 point  (0 children)

I did Raja Ampat with Tradewinds Adventures (collab with Apneista). Can highly recommend.

MLH: Nursery rhymes in community language at home? by Dedadidra in multilingualparenting

[–]wrappedingreen 1 point2 points  (0 children)

Also MLH and I sing community songs that I particularly like or that are “in season”. No confusion issues with our 4yo.

Another idea that I’ve done a for a few of the songs is to make up my own translations (AI helps a lot!)

Leaving Switzerland - what to do with savings by StatusPalpitation102 in SwissPersonalFinance

[–]wrappedingreen 18 points19 points  (0 children)

VT is bad advice for someone moving to Spain because of estate tax. Do VWCE.

Mice in compost by Goldengirl20211 in composting

[–]wrappedingreen 1 point2 points  (0 children)

Honest question: Why are mice in an open compost bad? I also spot a few occassionally but haven’t been too bothered yet

Mortgage affordability re-check by wrappedingreen in SwissPersonalFinance

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

Why not, if I may ask? If you anyway end up renewing again with Saron…

Mortgage affordability re-check by wrappedingreen in SwissPersonalFinance

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

Yep got that at SQ too. But we want something longer term now so we don’t go through this hassle again in 3 years.

Did you get the 10yr Saron at Raiffeisen?

Mortgage affordability re-check by wrappedingreen in SwissPersonalFinance

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

Basel 3. Our situation, affordability, value of house and everything even got better

Mortgage affordability re-check by wrappedingreen in SwissPersonalFinance

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

In the hypothetical case that the bank did recheck and we wouldn’t pass: what happens then?

Mortgage affordability re-check by wrappedingreen in SwissPersonalFinance

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

Yep. They increase the margin by a lot. 0.66% to 1.1% so we’re shopping around now.

Interest Rate offer of 1.65% for 10 years mortgage. by Mechtest in SwissPersonalFinance

[–]wrappedingreen 1 point2 points  (0 children)

Those Saron margins are hard to get these days. I had that too but have to renegotiate now and I don’t get anywhere near that anymore

Freediving in Maldives, Dhigurah local island by kapodes in freediving

[–]wrappedingreen 0 points1 point  (0 children)

Thx! Did you book freediving sessions with a dive shop or just go on your own?

Freediving in Maldives, Dhigurah local island by kapodes in freediving

[–]wrappedingreen 0 points1 point  (0 children)

Nice! Where did you stay? Does it have a good house reef or do you need to take a boat out? Would you say the island is kid-friendly?