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  #41  
Old 04.07.2021, 22:07
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Re: Cheapest way to get Swiss address

Awesome advice - thank you so much!
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  #42  
Old 04.07.2021, 22:11
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Re: Cheapest way to get Swiss address

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Hi!
I'm extremely on-the-fence about it - single, childless and willing to travel, but I love my home and really don't want to sell up.
Look at it as an opportunity to see another part of Europe, meet new people, learn a language (or two).

Don't sell your house; rent it out.
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  #43  
Old 04.07.2021, 23:09
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Re: Cheapest way to get Swiss address

If you are coming to Geneva you should consider living in France. I would doubt your employer would require you to live in CH. Probably half of Gva workers, including international organisation staff, live in France. Keep in mind finding any accommodation in Gva will be difficult and expensive. Living in France can be much cheaper and offer a lot more space, plus there's many nice lakes there for your water pursuits.
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  #44  
Old 04.07.2021, 23:48
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Re: Cheapest way to get Swiss address

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If you are coming to Geneva you should consider living in France. I would doubt your employer would require you to live in CH. Probably half of Gva workers, including international organisation staff, live in France. Keep in mind finding any accommodation in Gva will be difficult and expensive. Living in France can be much cheaper and offer a lot more space, plus there's many nice lakes there for your water pursuits.
I thought about that... the problem is then I can't work from home, I'd be forced to commute to Switzerland at least 4 days a week
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  #45  
Old 05.07.2021, 08:04
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Re: Cheapest way to get Swiss address

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Even in this thread people have seemed quite accusatory and defensive, and that seems like an uncomfortable society to live in.
If EF were a country, many of us wouldn't want to live in it either. Luckily it's only an online forum, and one chooses to get in and get out at will. I myself can only tolerate so much of the agression and stupidity of some members for some minutes a day. There are some brilliant members who are likely wonderful people, which keeps me coming back every day.

Now on to the reason for my reply: this is (mostly) an expats forum, with a handful of Swiss members. This is not representative of what living in CH is like at all.

Like others have said before me, I can only suggest you take your chances. You are likely to enjoy it. And if you don't, you can always go back to Finland. You don't need to "sell off", as a Swiss salary is very likely to allow you to continue paying your fixed costs abroad rather easily.

Whatever you decide, I wish you the best of luck.
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  #46  
Old 05.07.2021, 08:20
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Re: Cheapest way to get Swiss address

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Like others have said before me, I can only suggest you take your chances. You are likely to enjoy it. And if you don't, you can always go back to Finland. You don't need to "sell off", as a Swiss salary is very likely to allow you to continue paying your fixed costs abroad rather easily.
Thank you for the wise words!

I do appreciate that Switzerland is an expensive European country, but Finland's far from the bottom end cost-wise - I would need to send around 2100CHF back home every month to pay the mortgage and utility bills, which is no small consideration.

The last time I emigrated overseas was November 2019 - another good job opportunity, this time in Australia where I already have working rights and a strong network. I rented an apartment in my favourite part of Sydney but kept my home in Finland.

When the pandemic hit, I was on a business trip to Europe so I diverted to Finland to shelter. Soon I was "stuck" there... my employer reduced everyone's salaries and the AUD-EUR conversion tanked; I couldn't get anyone in to rent my Airbnb suite so that income was lost; and I was stuck in a contract paying CHF1981 for an apartment I couldn't access.

Then my employer sacked me because they didn't have the legal right to employ me being permanently based in a different country from them.

Thinking about it, maybe this is why I'm so nervous about basically doing the same thing again
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  #47  
Old 05.07.2021, 08:32
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Re: Cheapest way to get Swiss address

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Thanks again! I suppose my concern is about culture. I really love being around other shy introverts who are socially-minded and believe in equality and fairness for all. Reading information about Switzerland online it always seems to antagonistic and exclusionary. Even in this thread people have seemed quite accusatory and defensive, and that seems like an uncomfortable society to live in.
If everything else has been answered and you're left wondering about the culture, I'm glad to confirm you'll be feeling well here. The Swiss are less shy but mind their own business, help if they can (if you ask, I personally never knew how to ask) and generally let you be. There's an incredible feeling of independence here for someone who comes from a culture where people tend to stick their noses in someone else's life. So if you want introverts, in my opinion, you found them.

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If EF were a country, many of us wouldn't want to live in it either. Luckily it's only an online forum, and one chooses to get in and get out at will. I myself can only tolerate so much of the agression and stupidity of some members for some minutes a day. There are some brilliant members who are likely wonderful people, which keeps me coming back every day.

Now on to the reason for my reply: this is (mostly) an expats forum, with a handful of Swiss members. This is not representative of what living in CH is like at all.
.

@OP,

Caleb is spot on. Please, do not make your mind based on what you read here!!!!!!! I cannot stress this idea any better.

Give Switzerland a chance, you will not be disappointed.

Last edited by greenmount; 05.07.2021 at 08:45.
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  #48  
Old 05.07.2021, 08:44
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Re: Cheapest way to get Swiss address

Forgot to mention - I also have a house in the UK that I was trying to sell - buyers pulled out in April 2020 so that was another CHF830 a month. Thankfully I found tenants who are still there now covering the bare minimum.
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  #49  
Old 05.07.2021, 11:28
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Re: Cheapest way to get Swiss address

After all, sell all that , buy a yacht , sail the ocean while you do that work for that organisation while connected with satellite Internet access ?
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  #50  
Old 05.07.2021, 11:46
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Re: Cheapest way to get Swiss address

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Nope! Thanks for making the assumption though

In case it wasn't clear, I'm trying to work out what I should do with the next X years of my life. People on this thread might be able to convince me:
- Switzerland is the best place in the whole world - you should totally sell up and never look back, or
- Get yourself a crash pad near the office but keep your life in Finland to go back to, or
- Forget it - the job isn't worth it, turn it down and look for something else.

Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
As a single childless person do you really want to subsidise everyone else with sky high taxes in Finland or actually be able to keep the money you earn (Switzerland).

If you can WFH almost exclusively why not live somewhere in the mountains where the prices and taxes are low.

Personally I would move here in a heartbeat. Better pay, better weather. And probably the most beautiful country in Europe.
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  #51  
Old 05.07.2021, 11:52
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Re: Cheapest way to get Swiss address

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As a single childless person do you really want to subsidise everyone else with sky high taxes in Finland or actually be able to keep the money you earn (Switzerland).
I prefer to pay sky high taxes, knowing that I have enough to live on and that everyone else in my country who needs help is receiving it

But you're right... I worked out that the income tax savings are enough to cover the cost of the rental apartment. So I guess I'll just have to have yet another home!
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  #52  
Old 05.07.2021, 11:55
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Re: Cheapest way to get Swiss address

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Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
That's hard to rationalise. In the early 1990s I was assigned as a U.S. Foreign Service Officer to the U.S. Mission to GATT. The administrative office of the UN Mission and the Foreign Ministry took care of everything; I paid US tax and health insurance. When I retired and took Swiss nationality (based on my mother's ancestry and birth) that all changed. Now I have redundant Swiss health insurance which I would never claim on (far inferior to my USG insurance which continues in my retirement). I paid voluntary AVS contributions from retirement until I was 65 so I get some of that.
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  #53  
Old 05.07.2021, 12:17
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Re: Cheapest way to get Swiss address

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I prefer to pay sky high taxes, knowing that I have enough to live on and that everyone else in my country who needs help is receiving it

But you're right... I worked out that the income tax savings are enough to cover the cost of the rental apartment. So I guess I'll just have to have yet another home!
And that's presumably in high-tax (for Switzerland) Geneva. What if you move to (say) Zug? Where your taxes would likely be single figure %, even if relatively high income...

Taxes vary hugely by Kanton here.
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  #54  
Old 05.07.2021, 12:30
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Re: Cheapest way to get Swiss address

yeah, tough call, especially that you like Finland and it seems it is happiest country few years in a row

https://www.bbc.com/news/world-europe-56457295
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  #55  
Old 06.07.2021, 17:23
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Re: Cheapest way to get Swiss address

After all that, potential employer has dropped me from the running. Thanks anyway, all
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  #56  
Old 06.07.2021, 17:44
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Re: Cheapest way to get Swiss address

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After all that, potential employer has dropped me from the running. Thanks anyway, all
Too bad - but sometimes you're lucky when you lose

all the best!
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  #57  
Old 09.07.2021, 12:17
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Re: Cheapest way to get Swiss address

Whilst you could certainly get yourself a cheap place, which you don't intend to use, (cheap places are generally out in the middle of nowhere, like the Jura for example), you will probably end up being taxed there, having to pay health insurance and have some kind of arrangement for having mail collected and sent on.
It's probably not really legal, as your declared place of residence is supposed to be, well, your actual place of residence. I doubt the Swiss authorities will care too much, as you'll be paying taxes here, but the authorities where you currently live, will be upset if they discover what's going on. I am aware of a case where a Dutchman commuted every week, but spent significantly more time in the Netherlands than Switzerland. The Dutch authorities cames down on him like a ton of bricks when they found out, taxes, health insurance and pensions, but there may have been other things too.
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  #58  
Old 09.07.2021, 12:28
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Re: Cheapest way to get Swiss address

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After all that, potential employer has dropped me from the running. Thanks anyway, all
Well, never mind

https://www.youtube.com/watch?v=7rwc3VGvlRY
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