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  #21  
Old 06.12.2015, 22:05
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Re: IT Expert salary+expenses questions

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Every rule has its exception, but it's hardly worth mentioning. If you also look at his skills he has really nothing special at all, jack of all trades and master of none. I think his 150k goal is far from reality for someone who is not even in the country.

English of course is ok if you restrict yourself to English speaking companies. There's a whole parallel world out there though only available to German speakers, which supplements the English one and increases your changes.

Just being realisting here.
I agree with the sentiments here in that 150k in IT would be more like a contractor salary, or if it's a permanent position then either a very niche and specialised role, or in the managerial ranks heading up a team.

As for the "parallel world" speaking only German, that really doesn't often apply to the financial industry, or at least with the bigger players.
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  #22  
Old 07.12.2015, 00:51
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Re: IT Expert salary+expenses questions

Many thanks for all the inputs. I think I understand my range now. 120-140k it is. Gotta calculate what is the lowest spot which would make this life change worth it.
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  #23  
Old 07.12.2015, 09:02
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Re: IT Expert salary+expenses questions

What do you guys think is a good salary for a good family life in Zurich? Can I do it with above mentioned money? Let's take worst case, 120. 1 kid, a wife (no job, currently waiting for second kid).
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  #24  
Old 07.12.2015, 09:11
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Re: IT Expert salary+expenses questions

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What do you guys think is a good salary for a good family life in Zurich? Can I do it with above mentioned money? Let's take worst case, 120. 1 kid, a wife (no job, currently waiting for second kid).
You started so well on this forum.
And now this...
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  #25  
Old 07.12.2015, 09:13
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Re: IT Expert salary+expenses questions

120k is adequate for a small family. To get the upper levels you'll need to managing a project team, or have some niche skill that they can't find in a low cost location.
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  #26  
Old 07.12.2015, 09:21
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Re: IT Expert salary+expenses questions

LOL! I can imagine. But be sure it's not because I am rude or dumb (ok, dumb maybe). It's just that all the inputs here were so good that I'm just trying this second question because I think it's worth trying.

Expat, wife without job, 1 kid (second on the way), Zurich flat (smaller, 2 rooms), no restaurants (wife loves to cook), I don't party (I'm programming instead (hobby)). No car (will leave ours in Cze), need to "feed" our Cze flats loan from Zurich (1k chf/month).

My calculations were 4500 chf (probation period, wife stays in Cze) and 6600 chf with wife/kid in Zurich.
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  #27  
Old 07.12.2015, 09:22
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Re: IT Expert salary+expenses questions

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What do you guys think is a good salary for a good family life in Zurich? Can I do it with above mentioned money? Let's take worst case, 120. 1 kid, a wife (no job, currently waiting for second kid).
A quick forum search will get you access to lots of cost and living info, it's an oft-asked question.

As reference, a base salary of 120k nets you around 8500chf pre-tax after deductions.
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Old 07.12.2015, 09:47
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Re: IT Expert salary+expenses questions

Bear in mind salary is paid out in 13 instalments. The last one comes in Nov or Dec. Taking that into account, your net disposable per month from 120k p.a. (after social deductions, tax at source (2014 Tarif B rates - assuming married, single income, no church tax, 2 children)) would come to roughly 7808 CHF.
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  #29  
Old 07.12.2015, 09:59
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Re: IT Expert salary+expenses questions

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Bear in mind salary is paid out in 13 instalments. The last one comes in Nov or Dec. Taking that into account, your net disposable per month from 120k p.a. (after social deductions, tax at source (2014 Tarif B rates - assuming married, single income, no church tax, 2 children)) would come to roughly 7808 CHF.
That's an assumption and not always true. Over ten years here, I've held roles with three companies, and none of them paid in 13 installments. One was a small Swiss company, another a small subsidiary joint venture of a mid sized Swiss company, and another was a fairly large international professional services firm, and they all paid my salary in 12 month installments.
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  #30  
Old 07.12.2015, 10:10
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Re: IT Expert salary+expenses questions

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That's an assumption and not always true. Over ten years here, I've held roles with three companies, and none of them paid in 13 installments. One was a small Swiss company, another a small subsidiary joint venture of a mid sized Swiss company, and another was a fairly large international professional services firm, and they all paid my salary in 12 month installments.
That's good to know, thanks for the correction!

For 12 equal payouts, the monthly disposable (same assumptions under Tarif B) would then come to ~8427 CHF.

The applied tax rate is valid for 2014-2016. (source: Quellensteurtarif Zürich)
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  #31  
Old 07.12.2015, 10:20
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Re: IT Expert salary+expenses questions

After covering rent and health insurance here is the social minimum for basic life expenses of a 2+2 family is, depending on the type of support:
- social help (no entitlement to oher benefits): 2210
- subsidies added to rent/incapacity benefit: 4091
- debt collection law: 2500

A poverty line for a 2+2 family is defined for the social help as:
basic life expenses: 2110
average rent: 1787
average health premiums: 1014
In total it is 4900 nett.

Renting in Zurich and buying premium food (not eating out), and paying for some additional activities for kids, paying down a car - may easily increase these costs by 2-3k.
Bottom line: with 120k in ZH not much savings to make unless one is careful where to rent, where to shop and fixes ones teeth in a low cost country (not covered by a standard health insurance).
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  #32  
Old 07.12.2015, 10:39
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Re: IT Expert salary+expenses questions

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That's an assumption and not always true. Over ten years here, I've held roles with three companies, and none of them paid in 13 installments. One was a small Swiss company, another a small subsidiary joint venture of a mid sized Swiss company, and another was a fairly large international professional services firm, and they all paid my salary in 12 month installments.
Yeah, I think 13 salaries seems to be an exception in larger companies, and not the norm. Always seems to me like a legacy thing which is no longer often practised in modern firms.
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  #33  
Old 07.12.2015, 11:22
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Re: IT Expert salary+expenses questions

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If you also look at his skills he has really nothing special at all, jack of all trades and master of none. I think his 150k goal is far from reality for someone who is not even in the country.
The Swiss don't like Jack o' Trades - they prefer to hire someone for X who has been doing X, and only X, for years.

Small firms and start-ups look more favourably on Jack o' Trades though, as they often need people to be able to wear multiple hats on the job.
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as was pointed out above, German is not likely to be that important. In large environments global IT Infrastructure will commonly be run in English and a seperatie regional IT support or Infrastructure unit will exist using local dialects.
Realistically it is. If you run through some job ads, you'll quickly find that at least half in the German part of Switzerland will require good or fluent German. This could still be an attempt to get the 'perfect' candidate and in reality it's not a 'must have' in many cases, but German is important because without it you won't, at worst, be qualified to apply for half of the jobs out there or at best you'll be at a disadvantage when completing against someone who does speak it - smaller firms, especially, will still prefer German speakers even if the official business language is English.
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Yeah, I think 13 salaries seems to be an exception in larger companies, and not the norm. Always seems to me like a legacy thing which is no longer often practised in modern firms.
It's effectively a dying tradition throughout Europe (except Greece where you can still find people on 18 salaries). Where I work, there's one or two on 13 salaries, but they've been around for ten years or more. Anyone hired since is on 12.
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