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Old 16.07.2011, 02:32
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Moving to Luzern, Switzerland at the end of August

Hello All,

Thank you for taking the time to read my introduction post. I am a new graduate with my degree in Finance and a minor in Economics. I have about 4-5 years of Accounting/Finance experience in the workplace. I'm also an Excel nerd, and am working on starting my own side business to help others with their Excel projects.

I am moving to Switzerland with my boyfriend. He has gotten into the Music school in Luzern and we will be there for at least 2 years. He has already applied for a student visa, while I'm still working on finding a work visa. I realize that this 'moving to a new country' thing is not a super easy task, but I like challenges. I'm thankful for this forum to help me find some answers to my questions and hopefully make the process easier.

My hobbies are photography, video games, movies, and computers. I'm a bit of a computer/technology geek.

I am happy to be here. Thank you!
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Old 16.07.2011, 12:05
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Re: Moving to Luzern, Switzerland at the end of August

Hi there,

Do you have a European passport or just American? I'm just asking as it would be far easier for you to find a job if you have the former. In fact, if you have the former you can arrange your work and residence permit yourself, making it easier for a company to employ you. Also, do you speak some German?
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Old 16.07.2011, 21:25
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Re: Moving to Luzern, Switzerland at the end of August

Hi! I only have an American passport. I may have the ability to become an Italian citizen through my family's blood lines, however, the Italian Consulate is not taking any more applications until Jan. 2012. We will be moved by then. I may be able to apply in Italy... I'm not sure. But, that would be the only way I would have access to applying for an Italian passport/European passport.

I'm trying to find American companies that also have HQ in Switzerland. I'm very excited about this move because I want to be close to my family in Italy, however, the finding a job thing is stressing me out :-/ . Any other suggestions?
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Old 16.07.2011, 21:31
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Re: Moving to Luzern, Switzerland at the end of August

just a word of warning. A lot of Americans in Switzerland have jobs because they got them from America through an American company in Switzerland.
I don't know if I'm stating the obvious, but I'll say it anyway just in case. In order for you to get a job here, the company needs to prove that no Swiss and no EU citizen can be found to do the same job. It is the immigration office which makes this rule and not the individual company. With an EU passport, you can do whatever job you want.
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Old 16.07.2011, 22:58
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Re: Moving to Luzern, Switzerland at the end of August

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Hi! I only have an American passport. I may have the ability to become an Italian citizen through my family's blood lines, however, the Italian Consulate is not taking any more applications until Jan. 2012. We will be moved by then. I may be able to apply in Italy... I'm not sure. But, that would be the only way I would have access to applying for an Italian passport/European passport.

I'm trying to find American companies that also have HQ in Switzerland. I'm very excited about this move because I want to be close to my family in Italy, however, the finding a job thing is stressing me out :-/ . Any other suggestions?
What can you do? And dont say "I can do everything, I have a degree".... What do you currently do in the US and be more specific than "finance".... Are you bberg proficient?
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Old 16.07.2011, 23:03
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Re: Moving to Luzern, Switzerland at the end of August

That is great! Once you arrive if you want to meet up let us know. We just recently moved here and have slowly been figuring things out. It is amazing how much we took for granted in the US! Hope you enjoy your stay here!
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Old 17.07.2011, 03:32
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Re: Moving to Luzern, Switzerland at the end of August

tigris330, Thank you for the warning. I am aware of that. That's why I figured looking for American companies in Switzerland, it may be a bit easier. However, I am having a hard time finding a list of American companies in Switzerland. I have looked around in this forum, but haven't found anything too helpful regarding that.
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Old 17.07.2011, 18:53
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Re: Moving to Luzern, Switzerland at the end of August

Some American companies:

Kraft
Dow
Transocean

maybe this would be something for you:

http://www.jobs.ch/de/job/Finanzen-T...3774471/11/1/0
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Old 31.07.2011, 18:12
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Re: Moving to Luzern, Switzerland at the end of August

Thank you very much for that link. I sent them my information, however, have not heard back yet. I hope to soon.

Any other ideas?

The date is coming up quick. I'm very excited but also scared because we are kind of playing it by ear. I'm scared because I've read a lot that the cost of living in Switzerland is much higher than in the US. We have some money saved up, I just don't know how long it will last us. I'm still looking for a job. Also, the exchange rate is going to make most of our money disappear anyways because the USD is worth nothing. Haha thoughts?

I have some other banking questions, but I think I will look around first before I post.
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Old 31.07.2011, 19:29
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Re: Moving to Luzern, Switzerland at the end of August

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Thank you very much for that link. I sent them my information, however, have not heard back yet. I hope to soon.

Any other ideas?

The date is coming up quick. I'm very excited but also scared because we are kind of playing it by ear. I'm scared because I've read a lot that the cost of living in Switzerland is much higher than in the US. We have some money saved up, I just don't know how long it will last us. I'm still looking for a job. Also, the exchange rate is going to make most of our money disappear anyways because the USD is worth nothing. Haha thoughts?

I have some other banking questions, but I think I will look around first before I post.
Hi there,

Let me just start by saying that, first of all, I do wish you the best of luck and I'm writing this not to discourage you or anything, but just to let you know the facts.
Switzerland is expensive, and, what's more, it is quite, if not very, difficult to find a job if you're a foreigner who does not speak German fluently. Your case is even more complicated because you're non-EU.
All I can say is that in Zurich, I can manage on around 1700 chf per month (I'm guessing Luzern is cheaper). The amount can be divided as follows
- 600 for rent (I share with my partner) = one bed apartment, nothing luxurious
- 100 for little monthly bills
- 200 for basic health insurance - at the moment this is being subsidised by the government as I earn a below average income
- 500 for supermaket bills (migros)
- the rest for food bought on the go while working and very very limited entertainment (you can't really do much on 300 per month entertainment-wise).
For a more comfortable lifestyle with car, maybe regular eating out, cinema, theatre and train trips around the country (not to mention spas, hairdressers, and skiing holidays) you need MUCH more.

Then obviously you need to take into account trips to the doctor, hairdresser, shopping trips for clothes and shoes, mobile phone bills, transport costs...etc.
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Old 31.07.2011, 19:42
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Re: Moving to Luzern, Switzerland at the end of August

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- 200 for basic health insurance - at the moment this is being subsidised by the government as I earn a below average income
Hello tigris !

I am sorry to jump into the conversation there, but i am very interested by that sentence of yours. My husband and I will also earn below average income, but i didn't know that we might get some help from the government. Plus, he is a researcher and i read sometimes that they don't pay for health insurance...

Would you have more information about that ? Did you have to do something to have the government's help ?

Thank you very much ! And sorry again to interrupt !
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Old 31.07.2011, 20:03
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Re: Moving to Luzern, Switzerland at the end of August

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Hello tigris !

I am sorry to jump into the conversation there, but i am very interested by that sentence of yours. My husband and I will also earn below average income, but i didn't know that we might get some help from the government. Plus, he is a researcher and i read sometimes that they don't pay for health insurance...

Would you have more information about that ? Did you have to do something to have the government's help ?

Thank you very much ! And sorry again to interrupt !

No problem.

First of all, health insurance is compulsory. You can't live in Switzerland without one. I have never heard of employers paying for it, but maybe some do (I don't know your husband's case)

Basically starting from the first January in which you find yourself in Switzerland (any time before that does not count) and for the subsequent 12 months, if you are found to earn a below average income (i have no idea about the specific figures) the government sends you a letter telling you you qualify for a subsidy for the next year. You don't have to do anything. The government just contacts you if you qualify, and this is done always one year later. If the following year you still earn little, you get money again, otherwise no. The money is paid directly to your insurance. I think my subsidy is about 160 chf per month, then I pay the rest of the outstanding bill, about 40 in my case
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Old 31.07.2011, 20:22
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Re: Moving to Luzern, Switzerland at the end of August

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No problem.

First of all, health insurance is compulsory. You can't live in Switzerland without one. I have never heard of employers paying for it, but maybe some do (I don't know your husband's case)

Basically starting from the first January in which you find yourself in Switzerland (any time before that does not count) and for the subsequent 12 months, if you are found to earn a below average income (i have no idea about the specific figures) the government sends you a letter telling you you qualify for a subsidy for the next year. You don't have to do anything. The government just contacts you if you qualify, and this is done always one year later. If the following year you still earn little, you get money again, otherwise no. The money is paid directly to your insurance. I think my subsidy is about 160 chf per month, then I pay the rest of the outstanding bill, about 40 in my case
Thank you very much !! I had no idea how it would work... Now i do !
I'll check if a receive something from the government next january then !
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Old 31.07.2011, 20:36
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Re: Moving to Luzern, Switzerland at the end of August

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Thank you very much !! I had no idea how it would work... Now i do !
I'll check if a receive something from the government next january then !
you're welcome, but that's not exactly how it would work.

Let me speak about my case.

I came here in 2009, September.

I got the letter at the end of 2010 and the subsidy started in Jan 2011. What I mean is that they count a full year starting from January and notify towards the end of that year (I can't remember exactly when). To confirm, you will have to sign a paper and resend it to a given address.
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Old 31.07.2011, 21:36
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Re: Moving to Luzern, Switzerland at the end of August

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you're welcome, but that's not exactly how it would work.

Let me speak about my case.

I came here in 2009, September.

I got the letter at the end of 2010 and the subsidy started in Jan 2011. What I mean is that they count a full year starting from January and notify towards the end of that year (I can't remember exactly when). To confirm, you will have to sign a paper and resend it to a given address.
Oh ok, thank you, i didn't get that. I did some research about what they consider low income, and i think that we are a bit above. So... I guess i'll see in 2013 if i was wrong or not !
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