Go Back   English Forum Switzerland > Living in Switzerland > Introductions  
Reply
 
Thread Tools Display Modes
  #61  
Old 17.07.2017, 13:16
Newbie
 
Join Date: Aug 2016
Location: Zuirch
Posts: 3
Groaned at 2 Times in 1 Post
Thanked 4 Times in 1 Post
shunor has no particular reputation at present
Re: What would you do differently?

As a summary, I would have way less trust in anything that is a private service provider (health insurance, TV etc.).
If you are a foreigner, all service providers will try to trick you.
Some examples:
- The owner of my previous appartment has used a normal account, and not a special account for the deposit. Of course, she did not give me back the deposit. She has claimed, that I did not clean the appartment properly (which I did, in fact).
- The insurance broker sold me an insurance, which I really did not need. Now I pay 450 CHF a month instead of 200 CHF for nothing. When I have realized, that she tricked me, she did not want to change the policy.
- UPC charges a Kabelanschluss, althought they have not said it in advance. 3 months after the start of the contract they have sent me an invoice. (This "service" is hidden somewhere in the AGB.)
- The electrician has charged me 640 CHF (!) for fitting four lamps. I have asked in advance for a price quotation, but he refused to give one. When I told him, that he tricked me, he has payed b
- The physician has charged my wife 500 CHF for two consultations (2x20 min.). The keyword: "Leistungen in Abwesenheit des Patienten".
- The electricity company charges you anything without any details in the invoice.
- I have buyed a used car the biggest car dealer. They have said that there is a warranty for 1 year. I have had a problem 1 month after the purchase. I have then realised, that the warranty is valid for everything, except ... (and here comes a list of 50 items). In fact, the warranty is not valid for anything.
Reply With Quote
The following 4 users would like to thank shunor for this useful post:
The following 2 users groan at shunor for this post:
  #62  
Old 17.07.2017, 13:23
Guest
 
Posts: n/a
Re: What would you do differently?

Quote:
View Post
As a summary, I would have way less trust in anything that is a private service provider (health insurance, TV etc.).
If you are a foreigner, all service providers will try to trick you.
Some examples:
- The owner of my previous appartment has used a normal account, and not a special account for the deposit. Of course, she did not give me back the deposit. She has claimed, that I did not clean the appartment properly (which I did, in fact).
- The insurance broker sold me an insurance, which I really did not need. Now I pay 450 CHF a month instead of 200 CHF for nothing. When I have realized, that she tricked me, she did not want to change the policy.
- UPC charges a Kabelanschluss, althought they have not said it in advance. 3 months after the start of the contract they have sent me an invoice. (This "service" is hidden somewhere in the AGB.)
- The electrician has charged me 640 CHF (!) for fitting four lamps. I have asked in advance for a price quotation, but he refused to give one. When I told him, that he tricked me, he has payed b
- The physician has charged my wife 500 CHF for two consultations (2x20 min.). The keyword: "Leistungen in Abwesenheit des Patienten".
- The electricity company charges you anything without any details in the invoice.
- I have buyed a used car the biggest car dealer. They have said that there is a warranty for 1 year. I have had a problem 1 month after the purchase. I have then realised, that the warranty is valid for everything, except ... (and here comes a list of 50 items). In fact, the warranty is not valid for anything.
Reading these, there are more than a few that you probably fell victim to because you didn't go through the proper channels.

If you try to do things on the cheap, or you don't read the small print you are inevitably going to get burned.
Reply With Quote
The following 4 users would like to thank for this useful post:
  #63  
Old 17.07.2017, 14:22
Forum Veteran
 
Join Date: Mar 2010
Location: Greater Zürich Area
Posts: 919
Groaned at 119 Times in 76 Posts
Thanked 698 Times in 386 Posts
EPMike has an excellent reputationEPMike has an excellent reputationEPMike has an excellent reputationEPMike has an excellent reputation
Re: What would you do differently?

Quote:
View Post
Probably not much help but anyway;

I was here for seven years before I realised that it was not a temporary thing so I would have got myself on the waiting list for a boat mooring on the Rhine much sooner. I am still at least 7 - 10 years before I get one by which time I will need one with wheelchair access.

Also I would have organised my divorce in Switzerland not England; which would have saved me a few hundred thousand.

I would have taken advantage of the possibility to make back payments to Swiss State and company pension schemes which give a good guaranteed and safe return on investment.
Good return on investment by back payment into PF in CH? Sorry, was that sarcastic? Guaranteed, since when??
Reply With Quote
  #64  
Old 17.07.2017, 14:51
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 8,038
Groaned at 348 Times in 282 Posts
Thanked 10,395 Times in 5,494 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: What would you do differently?

Quote:
View Post
Good return on investment by back payment into PF in CH? Sorry, was that sarcastic? Guaranteed, since when??
Hist return is probably in the taxes saved. Something which is indeed guaranteed, albeit with lower returns the longer before retirement you pay in.
Reply With Quote
This user would like to thank Urs Max for this useful post:
  #65  
Old 17.07.2017, 15:31
Forum Veteran
 
Join Date: Mar 2010
Location: Greater Zürich Area
Posts: 919
Groaned at 119 Times in 76 Posts
Thanked 698 Times in 386 Posts
EPMike has an excellent reputationEPMike has an excellent reputationEPMike has an excellent reputationEPMike has an excellent reputation
Re: What would you do differently?

Quote:
View Post
Hist return is probably in the taxes saved. Something which is indeed guaranteed, albeit with lower returns the longer before retirement you pay in.
Now that is a much more balanced statement.

My simple calculation is: you save about 25-30% on taxes and at the end you pay about 5-8% taxes on cashing out. Then you need to do the math based on the nr of years till retirement if the 18-25% plus long-term annual returns of 3% (optimistic) makes up for the difference compared to long-term equity investments.


Last edited by EPMike; 17.07.2017 at 16:50.
Reply With Quote
  #66  
Old 17.07.2017, 16:46
TheSpouse's Avatar
Forum Veteran
 
Join Date: Dec 2008
Location: Saussignac, France
Posts: 1,692
Groaned at 26 Times in 20 Posts
Thanked 2,903 Times in 920 Posts
TheSpouse has a reputation beyond reputeTheSpouse has a reputation beyond reputeTheSpouse has a reputation beyond reputeTheSpouse has a reputation beyond reputeTheSpouse has a reputation beyond reputeTheSpouse has a reputation beyond repute
Re: What would you do differently?

Y'all have really gone off course with what the OP is asking. She is a Jewish American from New Jersey on a typical ex-pat package and I'm sure is looking for more short term regrets rather than our musings about 10, 15, 20 years later.

Becky from New Jersey, just try to come with an open mind. This is not America. If you can learn to say, "my, that is refreshing", rather than "my, that is appalling", you will be fine.

Try to remember that there are only 17,000 Americans in this whole country. Pretty sure that there are more of you in one mediocre mall on any given Wednesday in New Jersey that there are here from Genève to Saint-Gall. Here, no one cares that your kid has a peanut allergy. No one cares that you are gluten free. No one cares if your kid is on the autism spectrum. No one cares that you are going to be shocked when there is no permission slip sent home for you to sign before the school takes your kid on hiking trip at 2000 meters on a mountain with no guard rails. The Swiss don't care. They don't really care for America, they don't care for political correctness, they CERTAINLY don't care for Donald Trump and they don't really care if you are upset about any of that.

They DO care if you fire up your lawnmower on Sunday or hang a picture on your wall after 22:00. They WILL give you the eye roll if you cannot even say rudimentary words in one of the national languages after 3 months of living here.

Just make sure to bring some Tylenol or whatever may be your painkiller of choice in large quantities, deodorant soap if that is what your husband likes, packs of gift boxes if you are used to wrapping gifts in boxes, an open mind and pots of money. And relax. You will be fine.
Reply With Quote
The following 24 users would like to thank TheSpouse for this useful post:
  #67  
Old 17.07.2017, 17:03
JagWaugh's Avatar
RIP
 
Join Date: Apr 2009
Location: Eglisau
Posts: 7,273
Groaned at 47 Times in 46 Posts
Thanked 14,131 Times in 5,506 Posts
JagWaugh has a reputation beyond reputeJagWaugh has a reputation beyond reputeJagWaugh has a reputation beyond reputeJagWaugh has a reputation beyond reputeJagWaugh has a reputation beyond reputeJagWaugh has a reputation beyond repute
Re: What would you do differently?

Quote:
View Post
...
Becky from New Jersey, just try to come with an open mind. This is not America. If you can learn to say, "my, that is refreshing", rather than "my, that is appalling", you will be fine.
...
Bingo. Teach yourself to substitute "Different" for "Wrong". You don't have to embrace how everything is here, but you'll save energy by learning not to condemn everything from road signs to baking flour.

If there is a significant problem here in Switzerland, it's the lack of Cheesies - everything else is detail.
Reply With Quote
The following 3 users would like to thank JagWaugh for this useful post:
  #68  
Old 17.07.2017, 17:13
marton's Avatar
Forum Legend
 
Join Date: May 2008
Location: Kt. Zürich
Posts: 9,618
Groaned at 405 Times in 349 Posts
Thanked 17,193 Times in 9,252 Posts
marton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond reputemarton has a reputation beyond repute
Re: What would you do differently?

Quote:
View Post
Good return on investment by back payment into PF in CH? Sorry, was that sarcastic? Guaranteed, since when??
Well if you have your money sitting in a deposit account being eaten away by negative interest then the current pillar 2 pension rate of 6.8% looks good; especially when you include tax benefits
Reply With Quote
The following 2 users would like to thank marton for this useful post:
  #69  
Old 17.07.2017, 19:23
Longbyt's Avatar
Forum Legend
 
Join Date: Apr 2008
Location: ZH
Posts: 8,130
Groaned at 57 Times in 53 Posts
Thanked 12,980 Times in 4,732 Posts
Longbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond reputeLongbyt has a reputation beyond repute
Re: What would you do differently?

Quote:
View Post
We will be moving to Switzerland soon and in my preparation of packing up, paperwork, finding a place to live and schools, etc I'd like to know what mistakes you've made along the way. What would you do differently if you could do it all over again?
Back to the roots - I cannot think of many things which were mistakes worth making a song and dance about. I cannot think of anything I would do differently either. I was young, in love, a bit naive, but it helped that I didn't have many illusions or high expectations.
I wrote this a couple of years back.
Quote:
View Post
Sounds peculiar I know, but I was wondering the other day if we didn't have an advantage in the old days (1968) in that we came 'abroad to live' WITHOUT the benefits of Internet.

In our English school Atlas, the British Isles, the British Colonies, anywhere where the Brits had 'taken over' a country, all these areas were pink. One could expect folk to be able to understand English there. Other than that the countries were 'other colours' and we knew that people there 'talked peculiar' and those of us who were better educated knew that shouting in English wouldn't help in making ourselves understood.

We expected life to surprise us; we had ventured into the GREAT UNKNOWN. Looking for a job, sorting out permits, shopping, buying a ticket for a tram or a train - it was all different, all new and it all meant talking German. There was no question of meeting an official keen to practice his English or finding a ticket machine with an English option.

All we knew when we left home was that 'abroad' the food would be different and the folk would have different customs which would take some getting used to. Making new friends was going to be a long, slow process. Obviously, sometimes things caught us off-balance and we had our very frustrating and unhappy moments but we accepted that was the price we paid for our 'foolhardiness' in leaving our homeland.

Internet Sites give us masses of Information about Switzerland but this information gives us the illusion that we know what it will be like when we arrive. And we don't.

So perhaps we should all have a good sulk at being so mislead by the Internet!
I've been here for nearly fifty years and never regretted the move.

Last edited by Longbyt; 17.07.2017 at 19:57.
Reply With Quote
The following 10 users would like to thank Longbyt for this useful post:
  #70  
Old 17.07.2017, 21:59
Newbie 1st class
 
Join Date: Oct 2016
Location: Close to Winterthur
Posts: 22
Groaned at 0 Times in 0 Posts
Thanked 24 Times in 8 Posts
Baby Merlin has made some interesting contributions
Re: What would you do differently?

We arrived here without a plan. We didn't know how long the adventure might last for and didn't give it a second thought as we had two very young children. We did the right thing by getting my wife to learn German but I should have made more of an effort. We wasted four years paying rent until we woke up in 2012 and bought a nice family home. I have drifted slowly away from friends and family in England and as would have been expected, I probably slagged off England too much that it annoyed people back home as I was amazed at how great things seemed here during the honeymoon period. However, we are still here after 9 years and the children are at least able to speak numerous languages which should give them opportunities in the future. The job has been challenging but extremely rewarding and I have been able to meet some great people along the way. I'll stop now as I am beginning to ramble on..
Reply With Quote
The following 6 users would like to thank Baby Merlin for this useful post:
  #71  
Old 17.07.2017, 22:15
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 29,136
Groaned at 2,037 Times in 1,526 Posts
Thanked 34,693 Times in 16,479 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: What would you do differently?

Quote:
View Post
Be aware that the chances of finding the same standard of living you currently enjoy in the US are slim.
Depends where in the US.

Certainly, compared to the mid-west, the standard of living here is far better, same for the south.

New England is another matter, things there cost more than here, in fact living here was far cheaper than in Connecticut!

Sure, due to the USD losing 2/3 of it's value over the years makes things SEEM more expensive here, but Swiss prices haven't changed much in the past 35 years, unlike prices in the US.

Fact is, I could not afford to live anywhere in the US with the same lifestyle as I have here.

For starts, wine in the US costs twice the price!

Tom
Reply With Quote
The following 4 users would like to thank st2lemans for this useful post:
  #72  
Old 18.07.2017, 10:40
Junior Member
 
Join Date: Feb 2008
Location: zurich
Posts: 53
Groaned at 0 Times in 0 Posts
Thanked 32 Times in 20 Posts
kari. has no particular reputation at present
Re: What would you do differently?

cell phone: from Das Abo (subscription) (great price and international calling texting included) or check out migros budget abo to compare.

buy an apt. the interest rate is less than 1% (this is not possible for many but those who do are happy they did)

if you rent a house or duplex/row your ulitities are about double it would be in an apartment.

if you are going to rent: spend more to get something you can grow into. I would not recommend moving into a starter place and then going through the hassle to move again.

If renting: When moving into a place I would have an expert who knows all the tenant rights there to make sure the process is correct. Also when I move out. Seriously.

Get private health and accident insurance on entry. it is difficult to upgrade later when you want it. the system here is that many doctors only do procedures/operations at private hospitals. If you want the best surgeon that comes with private insurance.

get over the weird add on taxes (TV and Radio) just accept.

for some reason it helps to say "do you understand English" rather than "do you speak English"

I THINK means you are not certain for swiss germans. use: IN MY OPINION, English use / subtext of language is not taken / understood the way we mean it.

internet: init7
usually internet tv and landline (fixnet) are bundled.
I suggest init7 for just the internet (dont get landline or cable tv) this will save alot.
I watch all my tv and record it over the internet you can PM me how I do this.

when you move into new place when you have time introduce your self to your neighbors have a time specified cocktail hour (Apero). This is your responsibility there is not a welcome committee.

understand that the can do, lets work together attitude, is not always taken well here.
Reply With Quote
  #73  
Old 18.07.2017, 12:06
ipoddle's Avatar
Forum Veteran
 
Join Date: Jan 2008
Location: basel
Posts: 1,024
Groaned at 21 Times in 14 Posts
Thanked 1,007 Times in 413 Posts
ipoddle has an excellent reputationipoddle has an excellent reputationipoddle has an excellent reputationipoddle has an excellent reputation
Re: What would you do differently?

Quote:
View Post
Here, no one cares that your kid has a peanut allergy. No one cares that you are gluten free.
Made me laugh out loud.. made me realise why I do love some aspects of CH more than the UK (which is increasingly like a watered down version of the US)

(p.s. they do care if you kid has a peanut allergy.. they just won't make a huge fuss)
Reply With Quote
The following 3 users would like to thank ipoddle for this useful post:
  #74  
Old 18.07.2017, 12:08
Guest
 
Posts: n/a
Re: What would you do differently?

Quote:
View Post
Hmmm...OP won't like this but sincere question merits sincere answer: I wouldn't have come. I would have kept my compass headed for a place with more thought and life.

so why continue to suffer this - you are free to go ...

not being flippant btw. If this place does not suit you, and no places suits everyone- go and find what you want when your child is still young enough to adjust to new edu system. Bonne chance.
Reply With Quote
The following 2 users would like to thank for this useful post:
  #75  
Old 18.07.2017, 12:14
Guest
 
Posts: n/a
Re: What would you do differently?

Quote:
View Post
Made me laugh out loud.. made me realise why I do love some aspects of CH more than the UK (which is increasingly like a watered down version of the US)

(p.s. they do care if you kid has a peanut allergy.. they just won't make a huge fuss)
That's my view of it, too. I think the "not making a huge fuss" of stuff is misinterpreted too often as "they just don't care!".

Our school's lunch facility has the full menu plan for religious and food intolerance kids but it's just there, quietly in with the rest of the menu which presumably helps the kids who take these options not feel any different.
Reply With Quote
This user would like to thank for this useful post:
  #76  
Old 18.07.2017, 12:23
Guest
 
Posts: n/a
Re: What would you do differently?

Quote:
so why continue to suffer this - you are free to go ...

not being flippant btw. If this place does not suit you, and no places suits everyone- go and find what you want when your child is still young enough to adjust to new edu system. Bonne chance.
Because life is complicated and happiness is a myth. Sometimes it's better just to cut your losses, stay where you are, get your head down and get on with it than entertain fantasies of living somewhere that might not - in reality - be all it's cracked up to be when you get there.

The expectation of happiness is a peculiarly modern, first world phenomenon. Most people aren't particularly happy with their station, their geographical location or their jobs, but they just get on with it because the alternatives aren't much better either, because the change would be too much upheaval to bear, or because they don't actually have much of an alternative.

What state would the world be in if we could all live where we wanted and do what we wanted? It would be a disaster!
Reply With Quote
The following 7 users would like to thank for this useful post:
  #77  
Old 18.07.2017, 12:45
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 8,038
Groaned at 348 Times in 282 Posts
Thanked 10,395 Times in 5,494 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: What would you do differently?

Quote:
Because life is complicated and happiness is a myth. Sometimes it's better just to cut your losses, stay where you are, get your head down and get on with it than entertain fantasies of living somewhere that might not - in reality - be all it's cracked up to be when you get there.
[...]
Doesn't that render the initial "I wouldn't have come" kinda, well, useless? Or perhaps worthy of further comment why she doesn't move on?

Apparently staying wasn't an option, and yet after coming here turns out to have been a mistake she doesn't pack and try someplace. If other places won't be that much better it seems illogical to call coming here a mistake.

Mind, I'm not telling her to leave, I just don't get reasoning behind her statement.
Reply With Quote
This user would like to thank Urs Max for this useful post:
  #78  
Old 18.07.2017, 15:18
MusicChick's Avatar
modified, reprogrammed and doctored²
 
Join Date: Feb 2008
Location: La Cote
Posts: 15,504
Groaned at 314 Times in 222 Posts
Thanked 17,960 Times in 9,320 Posts
MusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond repute
Re: What would you do differently?

Quote:
The expectation of happiness is a peculiarly modern, first world phenomenon.
Yep. Your entire post was good.

I'll just add two notions, both very simple. Personal happiness is probably a perk that some cultures believe they have to chase. It seems almost a cult. Then there is a tad different mindset of having to make do with whatever comes, that includes other people's poor decisions. My own happiness is either mostly irrelevant, or depends on somebody else's needs being met, first. Those needs involve different countries, legal fees and a lot of change as it is. To pile up on all this some whim of personal happiness or the illusion of uncritical acceptance, naw. That would not be reality. Life is life. And it is interesting no matter where. To create stability for somebody else in a whirl of already egocentric consequences of others becomes a priority, even if this place was not my choice. To stay and stabilize, is. Nobody ever mentioned suffering, lol. I know very few quitters, or unsuccessful and maladapted souls here

The perpetual suggestions of seeking one's personal happiness elsewhere then are not done to "help". They seem defensive

It is a fab place where nobody suffers. Things can be better, inspirations are sought after elsewhere. OP deserves an honest answer, and there are as many as are helpful members in this thread.
__________________
"L'homme ne peut pas remplacer son coeur avec sa tete, ni sa tete avec ses mains." J.H. Pestalozzi

“The only difference between a rut and a grave is a matter of depth.” S.P. Cadman

"Imagination is more important than knowledge." A. Einstein
Reply With Quote
The following 4 users would like to thank MusicChick for this useful post:
  #79  
Old 18.07.2017, 15:24
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 8,038
Groaned at 348 Times in 282 Posts
Thanked 10,395 Times in 5,494 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: What would you do differently?

Quote:
View Post
The perpetual suggestions of seeking one's personal happiness elsewhere then are not done to "help". They seem defensive
Apparently ordinary curiosity doesn't exist in some people's mindset.
Reply With Quote
  #80  
Old 18.07.2017, 16:50
Member
 
Join Date: Feb 2013
Location: TI
Posts: 150
Groaned at 12 Times in 6 Posts
Thanked 244 Times in 125 Posts
chrissie7 has an excellent reputationchrissie7 has an excellent reputationchrissie7 has an excellent reputationchrissie7 has an excellent reputation
Re: What would you do differently?

Quote:
View Post
The perpetual suggestions of seeking one's personal happiness elsewhere then are not done to "help". They seem defensive
Yes, you are right - it's not done to help; it's an extremely defensive reaction to anyone who makes a criticism or suggests they are not entirely happy here. The psychology behind it is interesting though.
Reply With Quote
The following 2 users would like to thank chrissie7 for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
What would you do? dodgyken Daily life 24 18.01.2017 22:27
If you were paid 120k to do any job you like, what would you choose? Phil_MCR General off-topic 49 04.06.2014 15:59
What would you do? teco Employment 11 29.10.2013 23:10
What would you do if your wife plans to leave you... Treverus Family matters/health 93 25.10.2010 22:21
What would you have done differently? OBone Other/general 32 17.11.2009 21:32


All times are GMT +2. The time now is 06:56.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2020, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0