5 Bad Things I Hate about Switzerland

Posted on 15 Comments on 5 Bad Things I Hate about Switzerland

No country is perfect. I am sure you can relate to that with your own country. It is the same for me and Switzerland. While I really like Switzerland and I plan, and hope, to spend all my life here, there are some things I really do not like about it. In this post, I am going to discuss the five things I hate about Switzerland.

I am not about to leave Switzerland and I hope I will never have to. I also wrote about the things I love about Switzerland! There are more things I like than things I hate. But I think it is important to realize that no country is perfect. Some things should definitely be improved in Switzerland.

Of course, these things will probably be different from one person to another. I know that there are some things on the list that some people like. Please tell me what you do not like about Switzerland in the comment!

Continue reading “5 Bad Things I Hate about Switzerland”

MBudget Mini and Maxi Promotion – Twice More Monthly Data

Posted on 8 Comments on MBudget Mini and Maxi Promotion – Twice More Monthly Data

I have had Migros MBudget mobile plan for about a year now. And I have just seen that Migros started a very nice offer on their MBudget Mini and MBudget Maxi mobile plan. You can now get twice more mobile data each month for free. I think it is a great offer. So I wanted to share this offer with you! I hope many of you can profit from this awesome offer!

From July 1st to August 31st, you get twice more data for one year. For the same price! This is also working for current customers! My monthly data allowance just got doubled from 600Mo to 1.2Go :)

Continue reading “MBudget Mini and Maxi Promotion – Twice More Monthly Data”

Index Replication in Details – ETFs and Mutual Funds

Posted on 2 Comments on Index Replication in Details – ETFs and Mutual Funds

In the previous post of the Investing Guide for Beginners, we talked about Exchange Traded Funds (ETFs). Before that, we talked about mutual funds. In both these two cases, we focused, especially on passive index funds. Index funds are replicating an existing stock market index. For instance, the SP&500 index is replicated by many mutual funds and many ETFs. In this post, we are going to focus on index replication.

There are several different ways of replicating an index. There is physical index replication and synthetic index replication. It is important to know how funds are replicating the index. If you want to make a good choice between the different ETFs and mutual funds that exist, it is important to know the different ways they are using for replicating the index.

Continue reading “Index Replication in Details – ETFs and Mutual Funds”

The 11 Steps of My Monthly Personal Finance Routine

Posted on 6 Comments on The 11 Steps of My Monthly Personal Finance Routine

For a lot of people, having a strict routine will help them not forget anything. This is the same for me. I really like routines. Each month, I am following the same personal finance routine for my budget. You can see most of the results in my monthly finance reports. In this post, I am going to describe the steps I am doing every month.

I think it is great to have a routine. This helps to get more efficient and like this, you do not forget to do everything.

Of course, you do not need to have the same steps as me of course. Every people can have different things to do based on the way they are investing or based on their situation. But I would encourage you to clearly define your at least a monthly routine. And why not even a weekly routine?

Continue reading “The 11 Steps of My Monthly Personal Finance Routine”

June 2018 – Insurance month!

Posted on 14 Comments on June 2018 – Insurance month!

Fewer things happened in June 2018 than the crazy previous month!

Although it is a good month for savings, it is not as good as I planned. This month is the first month I received my new salary :) But it was a very expensive month :( We had to pay many insurance fees. And several other relatively big expenses. But it is still not too bad :)

Read on if you want to know what happened to use in June 2018!

Continue reading “June 2018 – Insurance month!”

Exchange Traded Funds – ETFs

Posted on 3 Comments on Exchange Traded Funds – ETFs

In our Investing Guide For Beginners series, we already talked about mutual funds. Instead of investing in single stocks, you can invest in many stocks at once. Mutual Funds are a great tool for investment. We are especially interested in passive funds with very low fees, thanks to index investing! Unfortunately, mutual funds are not accessible to everyone. This is where Exchange Traded Funds (ETFs) come into play!

The problem with mutual funds is their availability. They are provided by banks and fund providers such as Vanguard. If you are lucky, you have access to Vanguard via your bank. Or you can directly invest in Vanguard funds. That means you can directly invest in their low fees mutual funds. There are others like Vanguard, but they are the most famous!

If you are not lucky, for instance, if you live in Switzerland, you do not have any easy access to good mutual funds. I can bet that your Swiss bank does not offer cheap passive funds. They will probably offer you expensive active funds. At least mine does not! This is where Exchange Traded Funds (ETFs) are being a very good investment tool!

In this post, we are going to learn all about Exchange Traded Funds!

Continue reading “Exchange Traded Funds – ETFs”

How to Sell Things Online in Switzerland?

Posted on 6 Comments on How to Sell Things Online in Switzerland?

When you have a lot of things at home, there are probably many of these things that are not necessary. A good way to get rid of some of these things is to sell them. You will save space and earn some money! There are many ways to sell things. But in today’s age, selling online is often the way to go.

For instance, recently, I did some ordering in my technology closet (yes, I am the kind of guy that has 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. I also decided I was being crazy and started to dismount two of my servers to sell the pieces.

I am mostly using online websites to sell things. To be honest, I am far from being a minimalist. This is easily seen by my technology that is still too full after this first purge. But I am trying to reduce a bit the amount of burden I own. And if I can get some money in the process, it is a nice bonus!

In this post, I am 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?”

Mutual Funds and Index Investing

Posted on Leave a comment on Mutual Funds and Index Investing

In the previous post of the Investing Guide for Beginners series, we covered stocks and bonds. They are important financial investing instruments. They both have their advantages. Bonds are more stable but will generally return less over time. Stocks are more volatile but should return more. In a balanced portfolio, you need both.  But picking stocks and bonds is a lot of work. And it is a difficult and dangerous game. It requires a lot of knowledge and time.

So why not let other people pick bonds and stocks for you?

Investment funds are doing exactly that for you. In this post, we are going to cover them! We are going to see what is important when choosing between different mutual funds. And finally, we are going to cover a very important subject: passive investing.

Continue reading “Mutual Funds and Index Investing”

Revolut Credit Card – Eliminate Foreign Exchange Fees!

Posted on 25 Comments on Revolut Credit Card – Eliminate Foreign Exchange Fees!

One big problem with most credit cards is that they charge large fees for transactions in foreign currencies. If your base currency is Swiss Francs and you are paying something in dollars, you will have to pay a percentage of the transaction as a fee. It is not uncommon for credit cards companies to charge more than 2% fees on such transactions. That is where the Revolut travel card comes into play!

As we are going to see, Revolut can help you save a lot of money on foreign transactions fees. Moreover, where banks are generally giving bad exchange rates between currencies, Revolut is generally giving you the best rates available. If you purchase things in other currencies, or even other countries, such a travel card is essential to saving you money!

I already tried to find the best credit card in Switzerland. When I compare all my options, 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. At that time, I did not delve too deep into it. It is now time to fill this void in my credit card strategy. 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 – Eliminate Foreign Exchange Fees!”

How to Transfer a WordPress Blog from Bluehost to SiteGround

Posted on Leave 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. This is not a very difficult process but there are many steps. It is helpful to do it following a guide. This guide will help you follow all the steps of the process and not make mistakes.

I still had some months of hosting at Bluehost. But I do not want to have anything with them anymore. I am sure they capable of messing up again during that time. 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 did not have as much time as I needed. So I am a bit late on my blogging schedule. In this post, I am going to show how I did the transfer to SiteGround. I hope this will help realize that it is quite easy to do the transfer. And I hope I can convince you that Bluehost is not a good host.

Continue reading “How to Transfer a WordPress Blog from Bluehost to SiteGround”