June 2022 – Taxes and heat

I can summarise June 2022 in two extremes: heat and taxes.

It has been too hot this month. I do not handle heat well, so it has been hard for me, especially adding on top of sleep deprivation.

As for taxes, as I expected, we did not pay enough last year. Our income increased significantly but not the prepayment. So, we are left with more than 10K taxes from last year. I was a bit surprised by the amount. I was expecting less than that.

Aside from these two points, I would say it has been a routine month. So, let’s see in detail what happened.

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Early retiree in Switzerland – Dror’s Story

Most of the time, when we hear stories of early retirees, they are all living in countries where the cost of living is much lower than in Switzerland. But recently, I have had the chance to interview an early retiree in Switzerland!

Dror has retired in Switzerland in 2021 at the age of 46. His story is very interesting, in that he is one of the first early retirees I have had the chance to talk with.

Without further ado, here is the story of Dror Allouche, an early retiree in Switzerland!

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Charles Schwab International Review – Pros & Cons

Charles Schwab is a giant financial firm in the United States. Among other services, they offer stock broker services. And through Charles Schwab International, they are open to non-US residents.

Many of my readers have requested that I write about it. Therefore, I will review Charles Schwab International from the point of view of a Swiss investor. We will how much it costs to invest with Charles Schwab International and the advantages and disadvantages.

I only focus on their offer for non-US residents. They also offer their platform for US investors under slightly different conditions.

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Just Keep Buying – Book Review

I have not done a book review in a long time on this blog. I felt like most books did not deserve to be talked about. However, I felt like Just Keep Buying, from Nick Maggiulli, deserved to be talked about.

In this article, I will review this book, what I liked and what I did not like. By the end of the book review, you should know whether you want to read that book or not.

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May 2022 – Another month goes by

May 2022 was a good month. We had a nice time in the lovely weather. The first half of the month almost felt like summer. I even started wishing for colder temperatures (which I got in the second half of the month).

Financially, it was a good month for our savings rate. However, it was a bad month for our net worth because of the wild stock market. Even though we saved a considerable amount of money, our net worth decreased compared to last month.

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April 2022 – A good month

April 2022 was a good month. We had a few pleasant events with our friends and family. It was not very eventful, but we had time to work on a few late things, which is excellent since we have very little free time these days.

On the financial side, it was a great month with regular earnings and relatively low expenses. So, we managed to save a sizeable portion of our income again.

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The costs of daycare in Switzerland

Daycare is a large portion of the budget for many people in Switzerland. Indeed, daycare can become quite expensive quickly, especially if you have several children.

So far, we have not put our son in daycare, but we think we may do it next year. So, I wanted to delve into the costs of daycare in Switzerland.

I only talk about daycare facilities, not about day moms, nannies, or other ways to ensure people are taking care of your child. I may speak of these in another article if people are interested.

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