5 Ways to invest in real estate

Posted on Categories ETF, Investment, Real Estate, TipsLeave a comment on 5 Ways to invest in real estate

You may not know it, but there are many ways to invest in real estate. Each of these ways have advantages and disadvantages. If you want to invest in real estate, it’s important to know about these ways before doing a choice and investing in one of them. Or investing in several of them.

For now, I’m not really invested in the real estate market. I just have a small position though my World ETF that has some real estate funds. But I may invest more in the future. For now, I need more stocks, but once I’ve got enough, I may shift a bit of my portfolio into real estate.

Let’s now see the different ways to invest in real estate. There are quite diverse. Each person wanting to invest in real estate should find a way that is adapted.

Continue reading “5 Ways to invest in real estate”

How to get Swiss Marriage Visa for a Chinese

Posted on Categories Switzerland, Tips, TravelLeave a comment on How to get Swiss Marriage Visa for a Chinese

Before Mrs The Poor Swiss could join me in Switzerland, we had to go through the procedure to get her a visa. Since we knew that we wanted to get married in Switzerland, we used a visa for marriage. This kind of visa allowed her to come to Switzerland and to get married to me :)

The steps are not really intuitive and take a lot of time (and money). For us, it was a bit overwhelming. In this post, we are going to cover all the steps that we had to do. From the application in China to the reception of the residency permit in Switzerland. This should help any Chinese that wants to get married in Switzerland to get a Visa for this!

Before you do any procedure, there is one thing you need to decide together. The wife can take the name of the husband after the marriage. This is optional. This can surprising since people don’t change name after marriage in China. Even if the wife is from China, she can decide to change her name after the marriage. However, her name in China will not change. And you’ll also need to decide which name will the children take. In our case, Mrs. The Poor Swiss decided to take my name after the marriage and our future children will take the same name as well. This is an important decision of course for the couple.

Continue reading “How to get Swiss Marriage Visa for a Chinese”

11 Tips to save money on your memorable wedding

Posted on Categories Frugality, Spending, Tips6 Comments on 11 Tips to save money on your memorable wedding

Just a week ago, we celebrated our wedding! We had very good feedback from our guests and we both enjoyed it very much. It was a very nice and happy day. And we managed to keep under a reasonable budget. We didn’t go cheap though.

In this post, I’m going to talk about some ways that you can use to make your wedding cheaper but not  less nice :) You want your wedding to be memorable, but you don’t want it to hinder your entire finance.

Continue reading “11 Tips to save money on your memorable wedding”

Emergency Fund – Do you really need one ?

Posted on Categories Budget, FIRE, Frugality, Investment, Tips4 Comments on Emergency Fund – Do you really need one ?

If you are interested about personal finance, you should probably have come across the term Emergency Fund. An emergency fund is simply some money, available directly, that you can use in case of emergency.

It’s an interesting subject since not everybody agrees on it. Some people have an emergency fund that can cover one year of expenses. And some people think you don’t need one. Personally, I don’t think an emergency fund is a bad thing. But you should be aware of its cost. I think that too much people put too much emphasis on the emergency fund. In this post, we are going to see both sides of the story. We are going to see in details what an emergency fund is.

Continue reading “Emergency Fund – Do you really need one ?”

My Employee Stock Purchase Plan (ESPP) and Strategy

Posted on Categories Investment, Tips4 Comments on My Employee Stock Purchase Plan (ESPP) and Strategy

My new job at Pied Piper is offering my an Employee Stock Purchase Plan (ESPP). This is the first time I’m working for a company that offers such plan. As such, I’ve been researching my options for how to handle this ESPP. Basically, an ESPP is a plan to use some of your income to get shares of your company at discount price.

In this post, I’m going to present my ESPP plan. I’m also going to present many strategies that exist to decide when to sell shares coming from an ESPP. Finally, I’m going to present the strategy I decided to use for my ESPP shares.

Continue reading “My Employee Stock Purchase Plan (ESPP) and Strategy”

How to sell things online in Switzerland ?

Posted on Categories Frugality, Minimalism, Side Hustle, Switzerland, Tips3 Comments on How to sell things online in Switzerland ?

Recently, I did some ordering in my technology closet (yes, I have a technology closet…). And I realized that I had way too many things stored at home. I also realized that I had way too many servers. So I decided to sell online a few things and to dismount two of my servers to sell the pieces. I’m mostly using online websites to sell things. I’m far from a minimalist. But I’m trying to reduce a bit the amount of burden I own. And if I can get some money in the process, it is bonus ;)

In this post, I’m going to talk about what am I selling online in Switzerland. And how am I selling them!

Continue reading “How to sell things online in Switzerland ?”

Revolut Credit Card – No more foreign exchange fees!

Posted on Categories Frugality, Spending, Tips12 Comments on Revolut Credit Card – No more foreign exchange fees!

Yes, yet another post about credit card :) This one is going to be about the Revolut credit card.

Three weeks ago, I tried to find the best credit card in Switzerland. And last week, I studied another credit card, the TCS Travel Mastercard Gold, with 1% cash back. At this point, I found out that foreign exchange fees were costing me more than the annual fee on the card.

In my first review of my options for Switzerland, I already took a look at Revolut. They offer prepaid credit cards with free foreign exchange transactions! I didn’t want to consider it because there were a few problems. In this post, I’m going to come back to these problems. I finally decided to order a Revolut credit card! And I found out a process to top up a Revolut card for free in Switzerland!

Continue reading “Revolut Credit Card – No more foreign exchange fees!”

How to transfer a WordPress blog from Bluehost to SiteGround

Posted on Categories Blogging, Spending, TipsLeave a comment on How to transfer a WordPress blog from Bluehost to SiteGround

After all the problems I had with Bluehost, I decided to migrate my blog from Bluehost to SiteGround. I still have some months of hosting at Bluehost. But I don’t want to deal with them anymore. Thus, I decided to do the transfer as soon as possible. As you read this post now, the website is now hosted at SiteGround.

It took me a bit longer than I thought for the transfer. And I didn’t have as much time as I needed. So I’m a bit late on my blogging schedule. In this post, I’m going to show how I did the transfer to SiteGround.

Continue reading “How to transfer a WordPress blog from Bluehost to SiteGround”

TCS Travel Mastercard Gold credit card – 1% cashback!

Posted on Categories Frugality, Spending, Switzerland, Tips4 Comments on TCS Travel Mastercard Gold credit card – 14 cashback!

A few weeks ago, I compared the credit cards in Switzerland. I came to the conclusion that for me, the best credit card would be to use Cumulus Mastercard. Since then, I ordered the card, but I haven’t received it yet. I’m also waiting on Revolut to finally get a Swiss IBAN so that I can top it up for free.

However, there is a card I haven’t considered in my first comparison. The Touring Club Suisse (TCS) is offering two credit cards for its members. The first one is the TCS Member MasterCard. This is not really interesting since it does not have any cashback, but it’s free. What is more interesting is the TCS Travel MasterCard Gold. This  card will cost you 100 CHF per year, although it’s free on its first year. But they will give you 1% cashback. In this post, I’m going to look at this card in details.

Continue reading “TCS Travel Mastercard Gold credit card – 1% cashback!”

Why I will never recommend Bluehost again!

Posted on Categories Blogging, Spending, Tips8 Comments on Why I will never recommend Bluehost again!

As you may have seen, my blogs was pretty much not working between last Thursday and Saturday. I had many issues with Bluehost and it took them an unreasonable amount of time to fix the issue. I already had issues before and this last one was a really bad outage. So, I decided I will never trust them again. Since I don’t trust them as hosting provider, I’m not going to recommend them anymore.

I’ve only started using Bluehost a few months ago. But I have had several issues in these months. And these last issues with the website being down for more than a day. They are really doing a bad job… I plan to migrate to another hosting provider soon. In this post, you’ll find the story behind this!

I’m going to start with a question: How many Bluehost support guys do you need to fix a SSL certificate ? You’ll find the answer below ;)

Continue reading “Why I will never recommend Bluehost again!”