Hi,

I thought I'd ask EF opinion.

I am a freelance creative (artwork for ads, book covers, fashion prints, textile etc) and my SVA adviser registered me as ANOBAG because most of my jobs I am getting through my agent in the UK. I also get my own jobs when clients approach me directly (mainly USA). For those jobs my SVA guy wants me to be registered as 2nd job self-employed.

So basically they want me to have two accounts: self-employed and ANOBAG. I would prefer to be only self-employed but I need to convince them.

Are there any advantages on being self-employed only?

Or should I just go on with their suggestion and register as self-employed for my personal clients?


Thanks.

Suggestions? Yes one, ANOBAG bad! Seriously, ANOBAG baaaad!

why ANOBAG bad? care to elaborate :-)? thanks.

I was ANOBAG for two years couldn't do anything other than pay tax, no access to the social system!

Well you pay your own AHV, Arbeitnehmeranteil and your Arbeitgeberanteil and all the other stuff mentioned in the fine print and then some, it can work but only as a (very short) stop gap, I did it for over a year, scratching a meager living and turning every Rappen over twice.
I folded my hand middle of this year and claimed RAV but to do so I had to pay the MoaB to the AHV, now, despite a careful finance plan I have been left with newt, nada, nix.
So before you even buy yourself a beer you had better make sure that you put that money away for MoaB.

Thanks for replies. And when you self-employed who pays "AHV, Arbeitnehmeranteil and your Arbeitgeberanteil and all the other stuff" ?

telandy: What you could not do? what for would you need access to social system? sorry for dumb question :-)

slammer: what is MoaB?

thanks again

Sorry, of course, sometimes I forget that some people don't speak Slammer.
MoaB is Mother of all Bills.

So why do I pay AHV/Iv whatever contributions every three months as ANOBAG if there no social security benefits?

and then also taxes on net income...?

Update: So i filed all paper work on Dec 31st and today I got a letter stating that I am registered as self-employed. They even backdated self-employment start date - like I asked very happy and celebrating with nice glass of barolo!

What is ANOBAG?

Love to hear the details Blindgirl! What canton and what paperwork?

I would actually like to do the reverse of what BlindGirl has done. I didn't realise when I set up as self-employed that this was really the wrong category, since I'm employed by an overseas company on a contract; for a difference of about 2% I would have access to the full social safety net where now I don't.

Does anyone know how to do this? In Valais, it seems that this type of arrangement is very rare, even the accountants seem not to know what it is.