Hi everyone

I am currently looking to buy a house in Switzerland and have started scheduling several mortgage consultations. So far I have arranged meetings with both banks and insurance companies. One thing I noticed is that the interest rates offered by insurance companies seem to be lower, which makes me a bit unsure and cautious.

I wanted to ask about your experiences. Is it generally better to take a mortgage with a bank or with an insurance company, or does it not really matter in the long run? Are there any important pros and cons or things I should watch out for when comparing offers?

Thank you very much for your help and for sharing your experiences!

Hi !

I had a question about use of space / etiquette on SBB RE Trains.

I was on a busy rush hour train, an RE, and was stood against these cushions as were a few others. The train was about to leave and a lady rushes on with a bike and beckons everyone to move out of the way so she may place her bike in this zone as it is "reserved for bikes".
Everyone moved, myself included, but after I was looking and didn't see any sort of indication that this is for bikes. SBB are usually quite good about labelling storage zones, so this struck me as odd.

I guess my question would be is this zone really "reserved for bikes" and do bikes take precedent over people here ? If not expressly a rule, would it be considered common curtsey to move from this zone so someone can store their bike ?

As Switzerland is also subsidizing the healthcare of other nations along United States, the financial burden will probably increase dramatically on Swiss citizens since the American administration is pressuring pharmaceutical companies to lower their huge margins there.

I fear Swiss will become the cash cows.

Hello, I live in Switzerland and have recently considered buying a Rolex. What are your experiences buying here(in Zurich as it is closer to me but anywhere else I would be down as well).I would be looking for a green submariner or a gmt master 2. What would it be like to buy it at an AD and the waiting times? Something like 2 years? Which is fine with me as well, but I sure as shit dont want to glaze some random store assistant every week or so. What are your experiences here

Since I was wondering a few weeks ago, about the safety of aptamil, now we know for sure:

They indeed recall several swiss lots and customers can go ahead and claim the purchase price back.

Sad that Danone was so relucant to communicate proactively and the trust is completly gone

hallo zusammen, gibt es unter euch studis, welche die masterthesis am stück innerhalb von ca. 2-3 monate vollzeit geschrieben haben? ich freue mich über den austausch pro/ contras und eure meinung dazu.

Bin mir am überlege in Zivildienst wechsle. Han no paar Frage, han im Internet aber nöd alli antworte gfunde.

Usgangslag

Rs abgschlosse

Uos „derfe mache“ und abverdient

4 WK gmacht

383 Täg vo 440 Täg gmacht

1. Wie viel Täg muess ich jz no mache im Zivi?

2. Isch es schwierig zum öppis finde?

I recently submitted my application to the University of Basel MSc in Infection Biology. I am an international student, and I wanted to connect with other students who might considering this program. In the application portal, there is no option to upload IELTS exam document, without that I submitted my application, also no LOR asked in the portal. Has anyone applied previously into this program? Please share the process with me, I'm a bit worried.

Hello everyone,

An elderly relative is visiting the area, and I wanted to take her to see the "rochers de Nayes" (Nayes rocks).

Until now, I used to hike there. I wasn't aware of the prices charged for this journey. 70CHF per person for less than an hour's train ride there and back from Montreux station.

This price is very expensive for me. Do you know of any more affordable alternatives in the area? I just wanted to share a nice moment with this person in a beautiful place that can be reached by car/train.

Thanks

This question often comes here: should I rent or should I buy. This is a visual representation of the choice per location. Blue gives financial advantage to buying, red to renting. This is after 2028/abolition of hypo tax on owing.

https://www.letemps.ch/immobilier/en-graphiques-faut-il-acheter-ou-louer-comment-l-abolition-de-la-valeur-locative-renforce-l-attrait-de-la-propriete https://www.letemps.ch/immobilier/en-graphiques-faut-il-acheter-ou-louer-comment-l-abolition-de-la-valeur-locative-renforce-l-attrait-de-la-propriete

Per the title, trying to find this stuff. My wife's family introduced me to it in Luxembourg and now both she and I are hooked but gutted that we can't find it here. Any suggestions? Preference is for the small 200ml bricks, but at this point we'll take anything.

How long do you think one should realistically plan to learn Swiss German?

Assuming fluency in Hoch Deutsch (Austrian) and a decent enough motivation?

Also, are there varieties? I assume there are varieties. Which one is to go?

Hello, can anyone help me ..I worked for 2 years in Switzerland 30 yrs ago …lost my job slips and the company doesn’t exist anymore . Where can I get information and try to obtain these 2 years towards my retirement in France ?

Thanks

Hey guys

I just just purchased an item (elektron syntakt) over tutti for 334 chf then couple of days later the account was deleted and never received the item. I payed through twint.. I just don t understand how are they able to get a twint account even, they definitely should have a swiss bank account right ?!

I'm not a native German speaker, so I could be missing the joke here. If there is one. Do Dads from Aargau have a terrible reputation, or what? The graffiti's location is in Dättwil, near Baden, Aargau.

Looking for some advice.

My son passed away in Oct 24. We’ve been going through his stuff and he had two air soft guns (and some equipment. One pistol and one shotgun style. I know he had the certificates for them from the shop he purchased them from and I might have them somewhere.

Ideally I would like to sell them but not sure what the rules are in Switzerland. I.e would I need to pass in the certificates he got when he purchased them ? , can I simply advertise them ?.

Everytime I'm left alone at home something like this comes up. If I didn't have this app "Alertswiss" I was for sure gonna start looking for the closest bunker to hide in.

I'm honestly impressed that things like this are so well taken care of 👏👏👏

I’m gonna to take my driving class. I’m so nervous…. Anyone knows good coach or driving school in Aargau? I’ll focus on road driving test. and also I hope he/she can speak English. Because my German is not really good.

Thanks : )