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  #81  
Old 12.10.2012, 16:15
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Re: Cost of living vs London

Manchester or London.
Two weeks ago I was in Leicester and the people I was with said it cost £200 and took all day for someone to travel from Aberdeen to London to take part in their charity thing.
Whilst I was on the train, a woman had to buy another ticket because she had bought for the wrong company, and my forward reservation was a reverse. Also, in order to pre-book a seat for my (free) 4yr old I would've had to pay for a childs' ticket (I, of course, had gone for the cheapest ticket for me, which requires a specific train and seat). Luckily I got to the train early enough to get two non-booked seats opposite each other so we were 'together'.
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  #82  
Old 12.10.2012, 16:26
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Re: Cost of living vs London

If you look at the Festhypothek 10j chart on comparison.ch, the rates gone from 3% at time of peg to 2% now.

There has not been a similar fall in UK mortgage rates despite QE. The average standard variable rate jumped from 2% to over 3% in 2008 and has not come back down.

So Swiss mortgage rates are extraordinarily low and I think the peg is a significant driver of this over and above the near zero base rates & QE globally.
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  #83  
Old 13.10.2012, 11:50
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Re: Cost of living vs London

30 min express train ride from gatwick to victoria is 20 pounds. that IS expensive. 45 mins train ride gatwick to brighton return is 18.20 pounds.
expensive in my opnion.
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  #84  
Old 13.10.2012, 13:11
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Re: Cost of living vs London

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30 min express train ride from gatwick to victoria is 20 pounds. that IS expensive. 45 mins train ride gatwick to brighton return is 18.20 pounds.
expensive in my opnion.
I grew up next to Gatwick. The non express train takes 35-45 minutes, depending on number of stops (minimum two). The Gatwick express is a rip off, I'm always flying EasyJet to the UK because minime's dad lives there, and I always want to shout Don't do it to the suckers buying the gatwick express tickets.
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  #85  
Old 13.10.2012, 16:40
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Re: Cost of living vs London

BTW, speaking of travel - here in the UK we have something wonderful called "air passenger duty". It's been raising like dough during the past few years. I went with my wife to NY recently and we paid £520 air duty (it's half if you fly economy, but still extortionate in my opinion)
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  #86  
Old 13.10.2012, 19:54
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Re: Cost of living vs London

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BTW, speaking of travel - here in the UK we have something wonderful called "air passenger duty". It's been raising like dough during the past few years. I went with my wife to NY recently and we paid £520 air duty (it's half if you fly economy, but still extortionate in my opinion)
I dont know that the taxes out of Zurich are any lower. Every time we try and use miles the taxes would be 60% 70% of a full ticket.
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  #87  
Old 13.10.2012, 20:51
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Re: Cost of living vs London

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I grew up next to Gatwick. The non express train takes 35-45 minutes, depending on number of stops (minimum two). The Gatwick express is a rip off, I'm always flying EasyJet to the UK because minime's dad lives there, and I always want to shout Don't do it to the suckers buying the gatwick express tickets.

if its a rip-off or not: london/uk is expensive, trainfares are expensive.
i landed 2 weeks ago at gatwick, express left first. while i am on WE-trip i want to max my time there and cant wait 15 mins for the next one and take on a 20 mins longer ride. in CH all prices are equal. and if i go to wädenswil from the airport that roughly equals to go from gatwick to brighton: its cheaper. and i find the trains more comfy. the uk trains operating between london and sussex are a rollin tin can. though on overall it all has become way better than like beginning in the 90ies.
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  #88  
Old 13.10.2012, 21:35
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Re: Cost of living vs London

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I grew up next to Gatwick. The non express train takes 35-45 minutes, depending on number of stops (minimum two). The Gatwick express is a rip off, I'm always flying EasyJet to the UK because minime's dad lives there, and I always want to shout Don't do it to the suckers buying the gatwick express tickets.
The non express train is nearer 35 minutes, it's on the same track as the Gatwick Express! The quickest was to London is to get on the NEXT train.....
The normal train can be booked for £5 or £10 depending on which one it is in the hour.
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  #89  
Old 13.10.2012, 22:05
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Re: Cost of living vs London

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If you look at the Festhypothek 10j chart on comparison.ch, the rates gone from 3% at time of peg to 2% now.

There has not been a similar fall in UK mortgage rates despite QE. The average standard variable rate jumped from 2% to over 3% in 2008 and has not come back down.

So Swiss mortgage rates are extraordinarily low and I think the peg is a significant driver of this over and above the near zero base rates & QE globally.
i just did. here is a chart from 1 september 2011 until end of 2011 from comparis. the peg was in place from 6 september. if you look at the chart from, say, april 2011, until today, you'd be hard pressed to identify anything significant happening around 6 september.
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  #90  
Old 15.10.2012, 17:56
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Re: Cost of living vs London

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Whilst I was on the train, a woman had to buy another ticket because she had bought for the wrong company
Could have been worse she could have been fined, like I was here 80chf plus the cost of a ticket when it could clearly be seen that I had purchased a ticket and that I was a foreigner.
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  #91  
Old 15.10.2012, 18:22
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Re: Cost of living vs London

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Could have been worse she could have been fined, like I was here 80chf plus the cost of a ticket when it could clearly be seen that I had purchased a ticket and that I was a foreigner.
Well the cost of an at the moment full ticket in the UK is pretty much the same as a fine to be honest.
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  #92  
Old 15.10.2012, 18:29
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Re: Cost of living vs London

I've mainly travelled in Wales the South-West and to London so as far as my experience I can only comment on travelling to and from those areas by train and other public transport etc
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  #93  
Old 15.10.2012, 19:14
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Re: Cost of living vs London

August 2012: 4 hours London to Edinburgh, people standing in the aisles all the way, air con broken, tiny bottles of water handed out and a hand held battery fan (one between two - I was travelling alone and had to share with some hairy bloke), 5 min stop at Crewe so the passengers could get out and get some air, train eventually 1 hour late, NO refund. Nice apology from knackered train manager

Last weekend, totally pants weekend getting to Bellinzona and back, train broke down, another missed connection. Delays delays delays and no apology.

Lived in Belgium before: grumpy staff, miserable passengers, trains look shoddy, but my goodness, rarely had delays and they are cheap and do the job. So in this case of trains, Belgium for me wins
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  #94  
Old 15.10.2012, 19:50
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Re: Cost of living vs London

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August 2012: 4 hours London to Edinburgh, people standing in the aisles all the way, air con broken, tiny bottles of water handed out and a hand held battery fan (one between two - I was travelling alone and had to share with some hairy bloke), 5 min stop at Crewe so the passengers could get out and get some air, train eventually 1 hour late, NO refund. Nice apology from knackered train manager

Last weekend, totally pants weekend getting to Bellinzona and back, train broke down, another missed connection. Delays delays delays and no apology.

Lived in Belgium before: grumpy staff, miserable passengers, trains look shoddy, but my goodness, rarely had delays and they are cheap and do the job. So in this case of trains, Belgium for me wins
apology makes all the difference.

whatever you say about brits, you have to admit they know how to whinge and apologise
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Old 15.10.2012, 21:24
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Re: Cost of living vs London

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Well, what do you expect from a dry cut from a junior stylist? I would be interested to hear where you went, though, as £25 does sound excessive. I would also like to know where you can get a decent haircut in CH, at any price. I was dismally disappointed with all my colour/cuts in CH and had to go back to the UK to get my hair sorted out.

You miss the point - the cut was fine actually - made a 'on the spot last minute' appointment, so not much choice. OK, the 'normal price' at the salon is £40 for wash,cut, finish and £60 for colour/foils - so £100 together. As said small market town salon, not top London/big town salon. NOT cheap! Just one example of how prices in UK are going up very fast - and could come as a shock to anyone who has not visited for a while.

Last edited by Odile; 15.10.2012 at 21:55.
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  #96  
Old 15.10.2012, 21:48
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Re: Cost of living vs London

jess were do you live??

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Hi,

It is more expensive than London. But.....there so much do to that is free! Us expats also forget that cost of living in out own countries has risen in the last 5 years!

Its very important to look at areas to live as tax varies greatly, rent is pricey and higher rents in low tax areas. comparis.ch is a good place to start.

4.5 room apartment (3 bedrooms) between 2,500 to 4,000 chf per month.

Childcare about 120 chf per day.

Weekly shop for 2 adults and a toddler 150 / 200 chf per week

I hope this helps! It is a great place, especially with kids....
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  #97  
Old 16.10.2012, 12:23
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Re: Cost of living vs London

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i just did. here is a chart from 1 september 2011 until end of 2011 from comparis. the peg was in place from 6 september. if you look at the chart from, say, april 2011, until today, you'd be hard pressed to identify anything significant happening around 6 september.

http://www.comparis.ch/hypotheken/zi...a3b79424c3aa52

No immediate reaction, just more and more Swissies sloshing around looking for a home, which drives 10y rates down from 2.7% at time of peg to 2% now.

A 2% 10-year fix on a mortgage! Wow. I don't think you can even get 10-year fixes at the moment in UK. The average variable is 3-3.5% over base rate.
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Old 16.10.2012, 12:29
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Re: Cost of living vs London

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http://www.comparis.ch/hypotheken/zi...a3b79424c3aa52

No immediate reaction, just more and more Swissies sloshing around looking for a home, which drives 10y rates down from 2.7% at time of peg to 2% now.

A 2% 10-year fix on a mortgage! Wow. I don't think you can even get 10-year fixes at the moment in UK. The average variable is 3-3.5% over base rate.
you can get even cheaper. i've seen 10 year fixes for 1.55%.

if you look at the rates, they were already on a downward trend. the peg had no discernible impact on that trend.
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Old 16.10.2012, 12:38
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Re: Cost of living vs London

As said previously, I think in Britain you can economise if you stick to the very basics, but this is partly because of the growing rich/poor divide, and is not a healthy development.

For example last week I happened to be in Golders Green with an hour to spare, and went to the high street for a haircut. There was a hair saloon on one side of street with gents cut for £35, and opposite a barber charging £11. I went to the barber!

Or for example I was surfing and looking at properties in Forest Hill in south London. There were 2 similar four-bedroom properties very close by each other, both within catchment area of the same sought-after primary school, one priced £260k, the other £600k. The difference is the first is in a street with a number of council properties.

When talking about different regions of Britain the differences are even starker. Outside the south-east comfort zone a lot of areas are really pretty raw. Haircuts and property are extremely cheap, although that doesn't make me want to move there!
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Old 16.10.2012, 12:46
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Re: Cost of living vs London

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As said previously, I think in Britain you can economise if you stick to the very basics, but this is partly because of the growing rich/poor divide, and is not a healthy development.

For example last week I happened to be in Golders Green with an hour to spare, and went to the high street for a haircut. There was a hair saloon on one side of street with gents cut for £35, and opposite a barber charging £11. I went to the barber!

Or for example I was surfing and looking at properties in Forest Hill in south London. There were 2 similar four-bedroom properties very close by each other, both within catchment area of the same sought-after primary school, one priced £260k, the other £600k. The difference is the first is in a street with a number of council properties.

When talking about different regions of Britain the differences are even starker. Outside the south-east comfort zone a lot of areas are really pretty raw. Haircuts and property are extremely cheap, although that doesn't make me want to move there!
there is a big divide between income in the UK.

in switzerland the income distribution is more compressed.

many people don't want to live in council/ex-council blocks. i've lived in them and the irony is that many are better built and more spacious than the fancy new expensive new build apartments!
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