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 residence 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 do not change their 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 will 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.
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I am selling a lot of things online. For this, the main site I am using is Ricardo. This is an auction website. You set a start price and an optional instant price and people can bid on your item. The highest bidder will win after a set time for the auction. I have found out Ricardo to work quite well for my needs. I have made several hundreds of Swiss francs on this website.
However, Ricardo is not free. You pay some fees to sell your things online. Even though I would prefer using a free service, I found out that my things sell better on Ricardo than on free alternatives. Yesterday, Ricardo just announced that they updated their fees. The new fee model will be active from September 13th. In this post, I am going to describe the changes and exactly what this means for you if you want to sell things online on Ricardo. We are going to look at when you are actually saving money compared to before and when you are losing money.
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From a personal point of view, August 2018 was a great month. We had our wedding ceremony with friends and family. Also, we went on honeymoon in Egypt. We really had a great time. We rested, swam, snorkeled and had a lot of fun. This was an awesome honeymoon :)
However, from a finance point of view, August 2018 was not a very good month. We spent a lot for our wedding and I had to take days off without pay. This means a very small savings rate. Fortunately, there was some extra income from the wedding and from the Swiss army. This helped us not being in negative this month. But at least, there was some savings ;)
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A lot of this blog is about my path to Financial Independence (FI). But why would I want to be financially independent ? There are many reasons for wanting to be financially independent. And as you will see, retiring may not be the biggest reason.
In this post, I am going to list the main reasons I want to be Financially Independent. Of course, the reasons may not be the same for everybody. Some reasons will talk to you more than others. It is fine. Not everybody has the same motivations in trying to reach FI. And not even everybody wants to reach FI ;)
You may have some reasons to reach FI that I did not even think about! Please let me know in the comments if that is the case! I would like to know why you want to be Financially Independent.
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One week after our lake wedding, we left for our sea honeymoon! We chose to go to Hurghada in Egypt in an all-inclusive hotel. We wanted to do very little for a few days and wanted to rest. Finally, we also wanted to get something relatively cheap and convenient, hence the all-inclusive. Neither of us had an all-inclusive experience before, so it was about time we tried :)
We used Migros Travel agency to book the entire trip. They booked the plane, the hotel and the transfers between airport and hotel. We compared between booking the trip ourselves and using this agency. It was a bit cheaper for the agency. And we did not have to book everything independently. From what we read about Egypt, it is also much better to be part of some tour. This is especially true for the Visa and the shuttle to and from the airport.
Overall, it was a great honeymoon. We had a lot of fun, were able to rest and saw some great things! Find out all the details below :)
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This year, I wanted to review my goals after 6 months. But I am really late ;) At first, I forgot about it. And then, there were too many posts I wanted to write so I delayed this review for too long.
Last year, I set goals for the year 2018. Setting goals is a very important thing. But it is also important to review them. If after six months the goals are going bad, it is important to take actions to improve the chances to meet the goals. Also, sometimes, the goals are not set correctly.
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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 did not go cheap though.
In this post, I am going to talk about some 11 simple ways that you can use to make your wedding cheaper but not less nice :) You want your wedding to be memorable, but you do not want it to hinder your entire finances. It is possible to organize a very nice wedding and still keep a tight budget!
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In the first post of the Cryptocurrencies series, we talked about how cryptocurrencies were working. Then, in the second post, we look at the history of cryptocurrencies. Finally, in this last post, I am going to discuss what I think is wrong with them.
Personally, I believe that cryptocurrencies are not an investment. When you buy a cryptocurrency, you do not buy any value. You just speculate on the fact that other people will later give a higher value than what you paid. This speculation, or even gambling, not investing. Moreover, there are also several problems with investing in a cryptocurrency that you do not have with stocks. Let’s see what they are!
Continue reading “The 5 biggest problems of investing in cryptocurrencies”
In the previous post about cryptocurrencies, we talked about what were cryptocurrencies. We especially talked about how cryptocurrencies really work. You should now know more about blockchain, cryptography and miners.
In this post, we are going to talk about the history of cryptocurrencies. How it all started with the bitcoin. And how it all expanded into several thousand alternative cryptocurrencies. Most of the history will be related to bitcoin since it was the first cryptocurrency. And it was also the one that made the more headlines over the years ;) However, the bitcoin is not the only cryptocurrency out there. Most people believe that cryptocurrencies and bitcoins are the same things. But the bitcoin is only one of the cryptocurrencies.
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If you read financial news or finance blogs, you probably have heard (a lot) about cryptocurrencies and especially Bitcoin. You probably have read some success stories where people made a fortune investing in one cryptocurrency. You also probably have read stories where people have lost a fortune with them. But what is a cryptocurrency really? And how do they work?
In this post, I am going to try to answer these questions for you. I am thinking that this could be interesting to know exactly how they work. You probably have heard of the words blockchain or miner or even hash function. We are going to see how they come into play for cryptocurrencies.
I am not going to cover the investment quality of the cryptocurrencies in this post. I plan to discuss that in another post. Finally, in a later post, I will also discuss the history of cryptocurrencies since their creation.
Continue reading “What are cryptocurrencies ? How they do they really work ?”