Search found 25 matches

by zocab
Sat Nov 16, 2019 5:13 am
Forum: Work & Education
Topic: How to move to USA...?
Replies: 38
Views: 3692

Re: How to move to USA...?

It may seem that way to a foreigner, but Switzerland must be the most paternalistic country in Europe. It's a very strange place, a gilded cage of picturesque weirdness. Although perhaps you could live in France or Italy and commute in ? I've lived in many countries including Switzerland, and it wa...
by zocab
Sat Nov 02, 2019 11:51 am
Forum: Work & Education
Topic: How to move to USA...?
Replies: 38
Views: 3692

Re: How to move to USA...?

- Salaries (I'm currently near enough as high as I can go in my career at ~60k USD per annum) - Similar or better weather than the UK (more sun, less rain - obviously depends where in the States) - The adventure of moving to the other side of the world (have previously lived in other European count...
by zocab
Sun Oct 13, 2019 12:05 pm
Forum: Miscellaneous
Topic: Recommendation for a New Laptop for Wife
Replies: 27
Views: 2880

Re: Recommendation for a New Laptop for Wife

. Agree, and Linux has brought life to a lot of cheap and outdated laptops of mine over the years, but far to often (regardless of the OS) these laptops makes a lot of fan-noise compared to the Macbook pro that is (almost) silent. H. Botev's wife may appreciate that.... Interestingly my Thinkpads a...
by zocab
Sat Oct 12, 2019 9:31 am
Forum: Miscellaneous
Topic: Recommendation for a New Laptop for Wife
Replies: 27
Views: 2880

Re: Recommendation for a New Laptop for Wife

I have tried the thinkpad models and they are tanks, but the battery life is far inferior to some other options. Battery life seems like it should be one of the main considerations when buying a portable machine. Otherwise, you are better off building a desktop from parts and saving money in the lo...
by zocab
Sun Sep 29, 2019 12:55 pm
Forum: Health Questions
Topic: Fun & Cheap sports
Replies: 39
Views: 4332

Re: Fun & Cheap sports

Cheese rolling. You take a sturdy round cheese and roll it down a steep hill. Then you race to catch it. It's fun and cheap until someone breaks an ankle. I was going to counter this with the price of a cheese (and its perishable nature), but the famous cheese rolling competition apparently started...
by zocab
Tue Sep 24, 2019 2:09 pm
Forum: Politics, and other eternal disagreements
Topic: What's the Right Amount to Care About Politics?
Replies: 28
Views: 2895

Re: What's the Right Amount to Care About Politics?

One should care in proportion to the degree on desires to live alongside other humans in a free society. Ultimately, a people don't get the kind of government they want but the kind of government they deserve. Imposing some Rawlsian justice(*), there's more to freedom than minimizing one's tax bill...
by zocab
Sun Sep 22, 2019 9:32 am
Forum: Politics, and other eternal disagreements
Topic: What's the Right Amount to Care About Politics?
Replies: 28
Views: 2895

Re: What's the Right Amount to Care About Politics?

Enough to know how to vote on referendums (a few pro/con articles per topic from newspapers are enough for this), and a little more to know who to vote at election time (just check voting records and legislative proposals of candidates or their parties shortly prior to election time), but no more si...
by zocab
Thu Sep 19, 2019 11:20 am
Forum: Housing Questions
Topic: Minimizing the cost of utilities by area
Replies: 32
Views: 4913

Re: Minimizing the cost of utilities by area

Can't speak to the US, but for a while I was in a town in the UK which gets somewhat cold (freezing point/0C for a few weeks is typical) - we never had to turn on the heating in relatively modern apartment, purely thanks to the combination of good insulation and having the hot-water boiler and tank ...
by zocab
Thu Sep 19, 2019 11:07 am
Forum: Money Questions
Topic: The Index Funds Challenge
Replies: 13
Views: 1690

Re: The Index Funds Challenge

If someone wants to go with a global tracker fund including US companies, I have a very simple option in response. Any takers for a global low-cost index fund? VT seems to be the global index of choice for many people. (That said, it's actually cheaper to get the exact same exposure by comining VTI...
by zocab
Sat Sep 14, 2019 10:55 am
Forum: Lifestyle Questions
Topic: Negative sentiment in society against living frugally in Germany (Austria, Swiss)
Replies: 28
Views: 4779

Re: Negative sentiment in society against living frugally in Germany (Austria, Swiss)

- ok introduction - typical "expert" voices: You need high income, probably often bad math ( :lol: ), being cheapskate, losing social contacts, being a burden on society because of having to use social nets later on, what about increasing life-expectancy?, what about inflation?, what about increasi...
by zocab
Wed Sep 11, 2019 1:54 pm
Forum: Lifestyle Questions
Topic: Negative sentiment in society against living frugally in Germany (Austria, Swiss)
Replies: 28
Views: 4779

Re: Negative sentiment in society against living frugally in Germany (Austria, Swiss)

I'm honestly not seeing any difference in reactions vs. what you see in Anglophone countries. I wouldn't say Switzerland is all that similar to Germany though. In some ways there are parallels, and work has traditionally been strong for identity within the german-language portions (culture is quite ...
by zocab
Sun Sep 08, 2019 1:20 am
Forum: Money Questions
Topic: Experiences with Revolut/Transferwise
Replies: 12
Views: 1720

Re: Experiences with Revolut/Transferwise

I remember that it was not explicitly advertised (and indeed I originally opened up a Schwab for this reason) but the international ATM withdrawals are completely reimbursable. I wasn’t able to finalise the Schwab account because my IP address wasn’t in the US so I called up Fidelity and they clari...
by zocab
Wed Sep 04, 2019 2:03 pm
Forum: Money Questions
Topic: Experiences with Revolut/Transferwise
Replies: 12
Views: 1720

Re: Experiences with Revolut/Transferwise

So there is a slight advantage, but I wouldn’t order a Revolut card just for that (especially for Americans since you have access to no foreign transaction fees cards fairly easily) Next month I’ll try in Vietnam, to see if there’s a bigger gap when withdrawing a more exotic currency. It's indeed e...
by zocab
Sun Aug 25, 2019 7:52 am
Forum: Money Questions
Topic: Some questions for the lawyers, accountants, and other experts...
Replies: 16
Views: 1933

Re: Some questions for the lawyers, accountants, and other experts...

The Firefox people do this. Last I heard they have a non-profit org which owns the company actually making Firefox. I don't know the specifics, but it could be relevant. (Contrary to popular expectation, a lot of open source software does produce money, which is probably why they need the company to...
by zocab
Sun Aug 25, 2019 7:47 am
Forum: Money Questions
Topic: Emerging Markets Value funds
Replies: 23
Views: 2879

Re: Emerging Markets Value funds

I can see EMVL tracking this index, which sounds good enough for most of the world (except possibly for US investors, I hear they have some odd restrictions across the pond). But I've also seen a number of people recommending FNDE (Schwab Fundamental Emerging), which is constructed differently yet h...
by zocab
Tue Aug 20, 2019 1:08 pm
Forum: Money Questions
Topic: UK Tories Plan To Increase Pension Age To 75
Replies: 39
Views: 5622

Re: UK Tories Plan To Increase Pension Age To 75

Fair - working and paying into the system for 55 years and enyoing benefits of it for 4 (if lucky to live to average age) is certainly not fair. Neither is changing rules throughout the game. Logical - increase in lifespan doesn't imply increase in ability to work longer (health/work span). If anyt...
by zocab
Mon Aug 19, 2019 1:14 pm
Forum: Money Questions
Topic: UK Tories Plan To Increase Pension Age To 75
Replies: 39
Views: 5622

Re: UK Tories Plan To Increase Pension Age To 75

From an ERE perspective, this surely must be good: assuming that some old-age benefits (social security and equivalents) are paid out of taxes, increasing retirement age minimises the amount of taxes an ERE'r must pay both prior to, and during, retirement. (Or at very least, reduces the size of tax ...
by zocab
Mon Aug 12, 2019 1:31 pm
Forum: Skills & Tools Questions
Topic: DIY software development and/or electronics?
Replies: 22
Views: 4187

Re: DIY software development and/or electronics?

Some hobbyist and later open source programming is what eventually lead to my actual "career". My degree is vaguely related but not actually useful for the work I do. Programmable blinds sound like a great idea, currently I just use a commercial wakeup "lamp" instead (bought before I knew what I was...
by zocab
Mon Aug 12, 2019 1:22 pm
Forum: Lifestyle Questions
Topic: Obtaining a Second Passport
Replies: 112
Views: 23021

Re: Obtaining a Second Passport

So, now, I guess which is easiest/best. Canada checks a lot of boxes with English-speaking, healthcare, and close to the US in terms of distance and culture. But it is a minimum 3 year permanent residency from what I can tell. And there are a lot of steps to take. Culture and language really are bi...
by zocab
Sun Aug 11, 2019 1:45 pm
Forum: Lifestyle Questions
Topic: Obtaining a Second Passport
Replies: 112
Views: 23021

Re: Obtaining a Second Passport

@zocab - Do you know if these treaties cover actual mobilisation? For example, will the Swiss+French citizen who escaped military service in CH by having pretended to have done it in FR be exempt from mobilisation in CH? This is explicitly covered in the treaty, only the country where you opted to ...