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Old 23.11.2015, 22:41
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Re: retired swiss on a small pension

Not an easy situation for you. I know families are 'complicated' at times- but would your sisters help you and be able to accommodate you at theirs at least in the short term? Are they both in the same area?

Once you are back and are living somewhere, then you can ask for help from the local Gemeinde, if you can't survive on your pension.
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Old 23.11.2015, 22:45
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Re: retired swiss on a small pension

Any chance you could move in with one of your sisters? That would save some money hopefully. Only other possibility would be to rent a room in a shared place via www.wgzimmer.ch or similar.
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Old 23.11.2015, 23:05
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If you have two sisters in CH then can I please ask why you are not getting the information for living costs directly from them? Seems like they would be a great resource for your information, and maybe some help for your situation.
look - i cannot expect anything from my sisters.
no more questions please.
think what you like.
i really thank you for your feedback.
blessings,

thanks for the leads.
will check them out.
lat time i was in CH was in 2008.

thank you for your feedback,

Last edited by 3Wishes; 25.11.2015 at 19:11. Reason: merging consecutive replies
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Old 23.11.2015, 23:13
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Re: retired swiss on a small pension

Unless you get five years of contributions into AVS you would be living entirely off of supplementary benefits (prestazioni complementari).
You can get those when you are a pensioner and your expenses are more than your income, the expenses are 19000 chf of minimum vital + rent (max 13200/year) + healthcare (5000), you would get a top-up to be able to pay everything.
Depending on where you live i guess they can make you change apartment, but I don't think they can send away in another commune or cast out in a valley. It's not easy living like this, you really have to budget like a student would do, and trains would probably be affordable only for the occasional trip when a discounted daily ticket is available at your commune, so living outside, without relatives that can drive you around sometimes can be hard and boring, of course a peripheral commune with good connection to the main city can be good.

Last edited by Meerkat33; 23.11.2015 at 23:27.
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Old 23.11.2015, 23:30
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Re: retired swiss on a small pension

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Unless you get five years of contributions into AVS you would be living entirely off of supplementary benefits (prestazioni complementari).
You can get those when you are a pensioner and your expenses are more than your income, the expenses are 19000 chf of minimum vital + rent (max 13200/year) + healthcare (5000), you would get a top-up to be able to pay everything.
Depending on where you live i guess they can make you change apartment, but I don't think they can send away in another commune or cast out in a valley. It's not easy living like this, you really have to budget like a student would do, and trains would probably be affordable only for the occasional trip when a discounted daily ticket is available at your commune, so living outside, without relatives that can drive you around sometimes can be hard and boring, of course a peripheral commune with good connection to the main city can be good.
very helpful and hopeful message! thank you so much.
what about Locarno (is smaller) or Ascona (could work part time in a store)?

Last edited by 3Wishes; 25.11.2015 at 19:11. Reason: fixed quoting
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Old 23.11.2015, 23:38
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Re: retired swiss on a small pension

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look - i cannot expect anything from my sisters.
no more questions please.
think what you like.
i really thank you for your feedback.
blessings,
Its a public forum, you will get questions to things that are not clear or don't make immediate sense. How can you say you have family here and then expect people to not pick up on this and suggest you ask them to help? Please use some common sense when you reply then it will save you any awkward questions.
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Old 23.11.2015, 23:41
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Re: retired swiss on a small pension

Locarno and Ascona are quite expensive, but there is plenty of work in Hôtels and restaurants- possibly low wage against accommodation. Keep awqy from top tourist spots for lower costs, generally.

Sorry for questions- but some are truly trying to pick up on info given and help- ok.
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Old 23.11.2015, 23:45
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Re: retired swiss on a small pension

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Any chance you could move in with one of your sisters? That would save some money hopefully. Only other possibility would be to rent a room in a shared place via www.wgzimmer.ch or similar.
thanks for your suggestion.
no, i could not move in with my sisters.
thank you for caring and writing.
Akrobat
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Old 23.11.2015, 23:47
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Re: retired swiss on a small pension

Dear Akrobat, why don't you tell us what you think life in Switzerland could be like if you returned (assuming you could get part-time work or other help let's say).

Maybe then we can better respond to your assumptions and plug some possible gaps in your expectations. All countries change over time.....even for this of us who came here from somewhere else....

I last lived in my native country 25 years ago already, and have 5 weeks of AVS contributions there never mind 5 years ...I'd need advice too....
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Old 23.11.2015, 23:49
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Locarno and Ascona are quite expensive, but there is plenty of work in Hôtels and restaurants- possibly low wage against accommodation. Keep awqy from top tourist spots for lower costs, generally.

Sorry for questions- but some are truly trying to pick up on info given and help- ok.
this is helpful . thanks again.
i appreciate all the feedback and help i am getting from you and others.
best wishes.

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Dear Akrobat, why don't you tell us what you think life in Switzerland could be like if you returned (assuming you could get part-time work or other help let's say).

Maybe then we can better respond to your assumptions and plug some possible gaps in your expectations. All countries change over time.....even for this of us who came here from somewhere else....

I last lived in my native country 25 years ago already, and have 5 weeks of AVS contributions there never mind 5 years ...I'd need advice too....
Magyir -
i am accustomed to make myself more or less, fit into the new world.
i am looking for a safe, "quiet" place, where there is healthy food, nature, hiking and cleanliness and a moderate climate.
the problem withCH might be the high fixed costs.
but why does one have to pay for TV, Radio, Health care if one doesn't use it?
yes, i am planning to work...part time.....and i am planning to be of service,
somehow.

mind if i ask what is AVS? i know AHV.

Last edited by 3Wishes; 25.11.2015 at 19:12. Reason: merging consecutive replies
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  #31  
Old 24.11.2015, 01:18
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Re: retired swiss on a small pension

Ticino is probably the only Kanton with a somewhat moderate climate.

As for your sisters...
The question of moving in on them might also be asked by Social Services.

Be aware that for low-end jobs in Ticino, you are competing with Italians living in Italy.

Indeed, I just checked http://www.jobs.ch and there are just two jobs in the whole of Ticino in the hospitality industry.

It's a big problem.

This looks nice:
http://www.homegate.ch/mieten/105407541?rpid=9&rlidx=12

Close to the Airport, has a bus-stop.
A bit over your limit - but 700 basically just get's you single rooms.
That'll depress you over time.

If your are on social services, you don't need to pay TV/Radio.
Also, if you are on social services, you get a discount on health-care.

AVS is apparently the French word for AHV:
see:
https://www.ahv-iv.ch/de/Sozialversicherungen

AFAIK, it's not impossible to live on social services. It's just not "nice and cozy".
I may be mistaken, but EL should pretty much cover your basic needs.
Nobody is forced to live on the street here, esp. not if you've got a Swiss passport, no criminal history and no drug problem (which I take the liberty of assuming you don't have).

See also:

https://www.ahv-iv.ch/de/Sozialversi...sleistungen-EL

You are probably eligible for "supplemental benefits" - Ergänzungsleistungen.

I would try to contact someone from this list:
https://www.ahv-iv.ch/de/Kontakte/Ka...#ti-tessin-925

Or whatever Kanton you would like to move to.

Good luck on your next steps!
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  #32  
Old 24.11.2015, 08:31
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Re: retired swiss on a small pension

If you don't have a TV or radio then you don't have to pay for it. Health insurance cover is mandatory for everyone living in Switzerland.

http://www.bag.admin.ch/themen/krank...x.html?lang=en
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Old 24.11.2015, 10:11
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Re: retired swiss on a small pension

Average monthly temperatures in Ticino look similar to Vancouver BC, or possibly Victoria. Your pension would go a lot further in Canada than Switzerland.
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Old 24.11.2015, 20:12
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Ticino is probably the only Kanton with a somewhat moderate climate.

As for your sisters...
The question of moving in on them might also be asked by Social Services.

Be aware that for low-end jobs in Ticino, you are competing with Italians living in Italy.

Indeed, I just checked http://www.jobs.ch and there are just two jobs in the whole of Ticino in the hospitality industry.

It's a big problem.

This looks nice:
http://www.homegate.ch/mieten/105407541?rpid=9&rlidx=12

Close to the Airport, has a bus-stop.
A bit over your limit - but 700 basically just get's you single rooms.
That'll depress you over time.

If your are on social services, you don't need to pay TV/Radio.
Also, if you are on social services, you get a discount on health-care.

AVS is apparently the French word for AHV:
see:
https://www.ahv-iv.ch/de/Sozialversicherungen

AFAIK, it's not impossible to live on social services. It's just not "nice and cozy".
I may be mistaken, but EL should pretty much cover your basic needs.
Nobody is forced to live on the street here, esp. not if you've got a Swiss passport, no criminal history and no drug problem (which I take the liberty of assuming you don't have).
............YOU ASSUME CORRECTLY..........
See also:

https://www.ahv-iv.ch/de/Sozialversi...sleistungen-EL

You are probably eligible for "supplemental benefits" - Ergänzungsleistungen.

I would try to contact someone from this list:
https://www.ahv-iv.ch/de/Kontakte/Ka...#ti-tessin-925

Or whatever Kanton you would like to move to.

Good luck on your next steps!
Well, Rainer - you have shared with me a lot of valuable information; and i am
very grateful to you.
and thanks for your good wishes.
i am still at the evaluation stage; nothing has yet decided; i will do plenty of
research before i will make a decision.
i have received much positive feedback on this forum; i am truly very grateful.
best wishes to you!

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If you don't have a TV or radio then you don't have to pay for it. Health insurance cover is mandatory for everyone living in Switzerland.

http://www.bag.admin.ch/themen/krank...x.html?lang=en
thank you Medea!
that clarifies!

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Average monthly temperatures in Ticino look similar to Vancouver BC, or possibly Victoria. Your pension would go a lot further in Canada than Switzerland.
good point! Thanks!
all i am doing at this time is exploring possibilities; gathering information.
this process takes time!
and i am grateful for the feedback i am getting from this forum.
many thanks!

Last edited by 3Wishes; 25.11.2015 at 19:14. Reason: merging consecutive replies; try the multi-quote button (to the right of Quote). ;)
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Old 25.11.2015, 12:20
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Re: retired swiss on a small pension

Akrobat, an idea for work that might suit your plans:

Do you like animals, do you have experience caring for pets?

If so, pet care is always very much in demand, especially dog care. One service that you might consider is caring for a pet in the client's home, where you would move in for the time the owner is away.

If you spent a fair amount of time staying in client's houses you would only need a small place yourself. I know one sitter who works all over Switzerland this way.

There is a huge need for this kind of pet sitting, the few people who do this have all the work they want and more. And the pay is good.*

There are some things you would need to do to get started, for instance a short course is needed to care for dogs. But that is easily done. More on that can be found in the Pets section.

There is also some need for house sitting, without caring for pets. But there is less demand, and the fees you could charge would be lower.

Anyway, just a thought as you mull over your choices.

Wishing you all the best.

*Blatant hint for anyone reading this who is looking for a new direction...
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Old 25.11.2015, 12:56
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Re: retired swiss on a small pension

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i am looking for a safe, "quiet" place, where there is healthy food, nature, hiking and cleanliness and a moderate climate.
Why not Spain's Andalusia or the Canary Islands? Those regions tick all your boxes above. You speak the language. And people there are known to survive on 1,000 euros a month (they're nicknamed "mileuristas").
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Old 25.11.2015, 13:16
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Re: retired swiss on a small pension

Her pension is 1000 CAD, about 709 EUR. That might change later, but it's not going to be on par in the next 5 years.

Ugh, this reminds me that half of my pension is going to be from Canada. Any suggestions from other Canadians on dealing with their Canadian pension/RRSP's once they moved to Switzerland?
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Old 25.11.2015, 14:06
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Re: retired swiss on a small pension

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Her pension is 1000 CAD, about 709 EUR. That might change later, but it's not going to be on par in the next 5 years.

Ugh, this reminds me that half of my pension is going to be from Canada. Any suggestions from other Canadians on dealing with their Canadian pension/RRSP's once they moved to Switzerland?
If you are Canadian then the Canadian pension is not taxed in Switzerland. And vice versa, maybe I should move to Vancouver once I hit the magic 6X.
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Old 25.11.2015, 14:28
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Re: retired swiss on a small pension

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Akrobat, an idea for work that might suit your plans:

Do you like animals, do you have experience caring for pets?

If so, pet care is always very much in demand, especially dog care. One service that you might consider is caring for a pet in the client's home, where you would move in for the time the owner is away.

If you spent a fair amount of time staying in client's houses you would only need a small place yourself. I know one sitter who works all over Switzerland this way.

There is a huge need for this kind of pet sitting, the few people who do this have all the work they want and more. And the pay is good.*

There are some things you would need to do to get started, for instance a short course is needed to care for dogs. But that is easily done. More on that can be found in the Pets section.

There is also some need for house sitting, without caring for pets. But there is less demand, and the fees you could charge would be lower.

Anyway, just a thought as you mull over your choices.

Wishing you all the best.

*Blatant hint for anyone reading this who is looking for a new direction...

yes, that is a very good idea to explore. thank you so much.
and all the best to you.
Akrobat
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Old 25.11.2015, 18:25
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Re: retired swiss on a small pension

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I am not one of those people who pretend that you can only live with an income of 120.000 CHF a year... but 1k canadian is way too low.

If you have a Swiss passport will the social services probably pick up the bill and pay the basics for you... even if you never paid into the Swiss system. Not sure if that's what you want though...


Only for as long as they'll let us foreigners stay in the country and keep bringing money into the coffers!
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