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Old 02.02.2014, 06:34
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Looking to live and work in CH

Hello all,

I am a long time lurker, first time poster.

I have been reading and searching this forum for more than a year now and decided it was time to finally register. I have learned a lot and I am impressed with the quality of the posts, members insight`s, etc.

I have been to CH twice, but only to Ticino. I am currently pursuing my masters degree in the USA and trying to find a job in CH in order to relocate on August 2014. Although I never lived in CH, I think my values and life style are more similar to those of many European countries and CH offers the best quality of life.

I am aware that language will be a challenge (I don't speak German/French, but a bit o Italian) but I think there are so many interesting things about living in CH that I am willing to take the risk.

Anyway, looking forward to e-meet the members and I hope I will be able to contribute to this forum as well.

Capo
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Old 02.02.2014, 10:48
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Re: Looking to live and work in CH

Welcome to the forum Capo.

As you'll know from doing your research getting a job here when you're a non-EU citizen is very difficult. Not only do you need excellent qualifications/experience, but you're last to be considered for any position. Employers here have to go through a long and expensive process in order to be able to hire you over anyone else.

https://www.bfm.admin.ch/content/bfm...zulassung.html

You may also not be aware that as a US citizen you'll need to continue to file US tax returns each year and may possibly pay US tax on top of your Swiss taxes. Any foreign bank accounts, i.e. any outside of the US, will also have to be reported on both a FBAR and 8938 form if the total for one or more accounts comes to $10,000 - it's an aggregate figure.

Plus American clients seeking a bank account aren't necessarily welcomed abroad, particularly in Switzerland, due to the US forcing it's FATCA law on the rest of the world. So getting and keeping a basic checking account - no mortgage, no investments - means you'll need to sign a W-9 form so the bank can send your account info to the IRS and you may also need to prove you're US tax compliant.
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Old 02.02.2014, 14:18
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Re: Looking to live and work in CH

Hello and welcome to the forum.
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Old 02.02.2014, 15:40
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Re: Looking to live and work in CH

Hi there, Welcome its a very useful Forum,
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Old 02.02.2014, 18:18
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Re: Looking to live and work in CH

Have you done any extended stays here? A couple of weeks on holiday is all very well, but it can be a different story when you're here for a few months. The reality doesn't always meet the expectations once you're here longer term.
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Old 02.02.2014, 19:16
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Re: Looking to live and work in CH

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Welcome to the forum Capo.

As you'll know from doing your research getting a job here when you're a non-EU citizen is very difficult. Not only do you need excellent qualifications/experience, but you're last to be considered for any position. Employers here have to go through a long and expensive process in order to be able to hire you over anyone else.

https://www.bfm.admin.ch/content/bfm...zulassung.html

You may also not be aware that as a US citizen you'll need to continue to file US tax returns each year and may possibly pay US tax on top of your Swiss taxes. Any foreign bank accounts, i.e. any outside of the US, will also have to be reported on both a FBAR and 8938 form if the total for one or more accounts comes to $10,000 - it's an aggregate figure.

Plus American clients seeking a bank account aren't necessarily welcomed abroad, particularly in Switzerland, due to the US forcing it's FATCA law on the rest of the world. So getting and keeping a basic checking account - no mortgage, no investments - means you'll need to sign a W-9 form so the bank can send your account info to the IRS and you may also need to prove you're US tax compliant.
Hello Medea Fleecestealer ! Thanks for the reply !

My fault ! I cannot edit the original post ! I forgot to mention one important info: I am not a US citizen and I have EU citizenship.
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Old 02.02.2014, 19:17
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Re: Looking to live and work in CH

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Hello and welcome to the forum.
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Hi there, Welcome its a very useful Forum,
Thank you all for the warm welcome
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Old 02.02.2014, 19:27
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Re: Looking to live and work in CH

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Have you done any extended stays here? A couple of weeks on holiday is all very well, but it can be a different story when you're here for a few months. The reality doesn't always meet the expectations once you're here longer term.
Hey Medea Fleecestealer,

I totally agree with you. But I am willing to take the risk and try to see whether CH is a place for me.

I lived in three different continents (EU, SA and NA) and think that CH has a lot of things that attracts me. If I am able to land on a English-speaking job, my top priority would be to learn the local language and integrate as much as I can.
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Old 02.02.2014, 21:46
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Re: Looking to live and work in CH

Well, I wish you good luck with your job hunting. If you have an EU passport it'll certainly be easier hopefully. Bear in mind though that there are a couple of referendums on immigration being put to the Swiss public to vote on this year (the first is next weekend) and if either/both are accepted that might have an effect even on EU nationals living/working here. Nothing will happen very quickly though as it could affect Switzerland's agreements as whole with the EU so they'll probably want to explore other options before clamping down on EU immigrants. But something to keep an eye on for any future planning.

Note that if you hold a Green Card, what I posted before will still apply as far as tax filing and the banks are concerned.

A couple of websites for jobs that might help.

www.jobs.ch
www.jobup.ch
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Old 03.02.2014, 20:32
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Re: Looking to live and work in CH

Let me just add that you visited a nice part of Switzerland (Ticino), were people is slightly more keen to talk to each other and the sun cheers up the environment more often, resulting in more relaxed people.

If you plan to come in the Swiss German part of Switzerland good luck integrating with the locals... It is, HARD.

For the rest, it's of course a good place to be and good luck with the job hunting!

See you soon
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Old 03.02.2014, 21:23
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Re: Looking to live and work in CH

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Welcome to the forum Capo.


You may also not be aware that as a US citizen you'll need to continue to file US tax returns each year and may possibly pay US tax on top of your Swiss taxes. Any foreign bank accounts, i.e. any outside of the US, will also have to be reported on both a FBAR and 8938 form if the total for one or more accounts comes to $10,000 - it's an aggregate figure.
Welcome to this forum, Capo. As you've seen, there's a lot of really useful information here and also some entertaining characters. However, you'll be lucky if your status in the US is a student visa and not a green card, As Medea Fleecestealer points out, complying with the government requirements is not easy.

While I don't want to hijack this thread, Medea Fleecestealer has raised a point that I'm a little worried about. Is it really true that the Form 8938 must be filed when the aggregate of accounts exceeds $10,000? Certainly the FBAR or FinCen Report 114. But I was under the impression that the Form 8938 is to be file only if an account has more than $50,000 in it at the end of the year. Sorry if this is an inappropriate place to bring this up. I could start it as a new thread if that would be better.
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Old 03.02.2014, 21:46
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Re: Looking to live and work in CH

You are correct, QoC. See here:

http://www.irs.gov/Businesses/Corpor...ts%E2%80%9D%3F
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Old 03.02.2014, 22:49
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Re: Looking to live and work in CH

Welcome.
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Old 03.02.2014, 22:57
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Re: Looking to live and work in CH

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Welcome to this forum, Capo. As you've seen, there's a lot of really useful information here and also some entertaining characters. However, you'll be lucky if your status in the US is a student visa and not a green card, As Medea Fleecestealer points out, complying with the government requirements is not easy.

.
That's exactly why I didn't get a SSN (social security number). I am under a F-1 student visa and I have never filled a tax declaration.
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Old 04.02.2014, 10:57
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Re: Looking to live and work in CH

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That's exactly why I didn't get a SSN (social security number). I am under a F-1 student visa and I have never filled a tax declaration.
I get what you're trying to say, but don't dismiss the possible complications too easily. The banks here will likely think you are a U.S person since your most recent residence was in the U.S. They will want evidence you have filed/paid everything properly. Otherwise you're not worth the risk. Even with an EU passport. Just ask some of the members here about recent dealings with banks.
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Old 04.02.2014, 11:42
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Re: Looking to live and work in CH

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Welcome to this forum, Capo. As you've seen, there's a lot of really useful information here and also some entertaining characters. However, you'll be lucky if your status in the US is a student visa and not a green card, As Medea Fleecestealer points out, complying with the government requirements is not easy.

While I don't want to hijack this thread, Medea Fleecestealer has raised a point that I'm a little worried about. Is it really true that the Form 8938 must be filed when the aggregate of accounts exceeds $10,000? Certainly the FBAR or FinCen Report 114. But I was under the impression that the Form 8938 is to be file only if an account has more than $50,000 in it at the end of the year. Sorry if this is an inappropriate place to bring this up. I could start it as a new thread if that would be better.
Yes, you're quite right Queen of Cups. I should have said possibly need to file. The 8938 form has $50,000 as it's starting point, compared to the FBAR's $10,000 aggregate figure. There are several examples of who needs to file given in the IRS 8938 instructions:

http://www.irs.gov/pub/irs-pdf/i8938.pdf
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Old 04.02.2014, 12:05
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Re: Looking to live and work in CH

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Let me just add that you visited a nice part of Switzerland (Ticino), were people is slightly more keen to talk to each other and the sun cheers up the environment more often, resulting in more relaxed people.

If you plan to come in the Swiss German part of Switzerland good luck integrating with the locals... It is, HARD.

For the rest, it's of course a good place to be and good luck with the job hunting!

See you soon
I agree and would add: don`t be too picky about food and bring an umbrella... there is alot of rain, but not much singing
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Old 04.02.2014, 12:40
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Re: Looking to live and work in CH

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I agree and would add: don`t be too picky about food and bring an umbrella... there is alot of rain, but not much singing
I think food is very good compared to almost any other place in Europe beside Freance and Italy. You just need to get a loan to buy some meet, it's more like an investment. The rain would be ok if from time to time we would get to see some sun....

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Old 04.02.2014, 16:34
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Re: Looking to live and work in CH

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I get what you're trying to say, but don't dismiss the possible complications too easily. The banks here will likely think you are a U.S person since your most recent residence was in the U.S. They will want evidence you have filed/paid everything properly. Otherwise you're not worth the risk. Even with an EU passport. Just ask some of the members here about recent dealings with banks.
But there is an important detail. As a student under a F-1 VISA, you are NOT A RESIDENT according to the United States Citizenship and Immigration Services. As far as job application or opening a bank account in CH, or even here in the USA, my official residency is in my home country.


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I agree and would add: don`t be too picky about food and bring an umbrella... there is alot of rain, but not much singing
How I can be picky about food after living in the US ?
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Old 04.02.2014, 19:08
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Re: Looking to live and work in CH

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But there is an important detail. As a student under a F-1 VISA, you are NOT A RESIDENT according to the United States Citizenship and Immigration Services. As far as job application or opening a bank account in CH, or even here in the USA, my official residency is in my home country.
"U.S. person" or not is not based on the INS definition but on the IRS definition. http://www.irs.gov/Individuals/Inter...r-U.S.-Tax-Law

You will be certainly a U.S. person if you have a taxable income in the U.S. (some scholarships, PhD wages). You also become a U.S. person if you study for longer than 5 years.
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