Mir isch klar, dass ich früener und meh Bewerbige het chöne schriebe, aber ich han drus glernt. Ich hoffe ihr chönt mir trotzdem helfe.

Ich han d Lehr im Summer 2025 als Informatiker Plattformentwicklig abgschlosse. Während minere Lehr bin ich im Service Desk und 2nd-Level gsi. Ich han set dem nüm garbeitet und han insgesamt ca. 30 Bewerbige gschickt. Bis jetzt han ich eis Online-Bewerbigsgspröch gha, woni nachher e Absag becho han, will sie öpper Passenderes gfunde hend. Bi de andere Bewerbige han ich meistens e allgemeini Absag per E-Mail becho oder eifach kei Antwort uf mini Bewerbig. Ich bewirb mich meistens uf Stelle, wo guet passer also Service Desk oder 2nd-Level und nöd speziell i Berich, wo ich mich nöd guet uskenn.

Ich han mini Bewerbigsvorlage öpe zwei mal mit zwei verschiedene Persone erstellt. Dezwüschet han ich nur chlini Änderige gmacht.

Mini Bewerbig gseht öpe so us:
- Titelblatt mit eme Bild vo mir
- Motivationsschriebe: Einstieg / Motivation für die Stelle und Firma, Ausbildung und Supporterfahrung, relevante fachliche Erfahrung, warum genau diese Stelle, Arbeitsweise / persönliche Stärken, Verfügbarkeit und Abschluss
- Lebenslauf: Churzi Zämmefassig, IT-Kenntnis ih Stichwörter, d Uszit (Reise und paar chlini Sache, wo ich gmacht han ih dere Zit), d Lehr und ca. 10 Pünkt was ich gmacht han im Service Desk und 2nd-Level, Schuele wo ich früener bsuecht han, Sprache, wo ich chan, Witeres (Führerschie, Interesse und Referenze uf Afrag)
- Lehrzügnis, EFZ, Noteuswis, Zertifikat

Ich han leider mit mehrere Lüt wo mich empfehle chöntet set eme Jahr oder meh kei Kontakt gha.

Frage:
- Was würdet ihr mir empfehle zum so schnell wie möglich e passendi Stell z becho? Eifach meh bewerbe?
- Söll ich im Motivationsschriebe d Lücke genauer erkläre? Was, wenn ich kei richtigi Erklärig han oder es mir z privat isch?
- Wie wichtig isch s Motivationsschriebe?
- Macht es Titelblatt Sinn?
- Söt ich meh Lüt nach Empfehlige fröge?

Je suis et je viens de terminer le Tour du Mont-Blanc. Je suis arrivé à Genève pour passer ma dernière soirée en Suisse avant mon vol retour. Ce soir, je suis simplement sorti marcher et boire un verre. En rentrant, j’ai découvert un chewing-gum mâché coincé à l’intérieur de ma chaussure. Vu son état et l’endroit où il était, j’ai vraiment du mal à croire qu’il soit arrivé là par hasard. Je ne sais pas qui a fait ça et je n’accuse personne en particulier. Mais franchement, ça m’a mis dans une colère énorme. Ce qui me dérange le plus, ce n’est pas seulement le chewing-gum. C’est le fait que quelqu’un ait pu décider gratuitement de manquer de respect à un inconnu qui ne lui avait rien fait. J’avais une excellente image de la Suisse après le TMB, et je suis vraiment déçu que l’un de mes derniers souvenirs avant de rentrer en Corée soit celui-là. Je sais qu’une personne ne représente pas Genève entière. Mais je serais curieux de savoir si d’autres personnes ont déjà vécu ce genre de comportement ici la nuit.

Well, where do I even start…

This morning, I received an email with a nice offer to visit the Fort de Chillon Museum. I mentioned it to my wife and we thought, why not make a family day out of it with our son? We also invited my sister and my niece, who is one year older than our son.

After a little over an hour’s drive, we arrived and found the area already packed with people, with almost no parking spaces available. We turned around towards Villeneuve and eventually found a spot at the far end of the parking area near the castle.

We got the children out of their car seats, grabbed our bags, I locked the car, and we headed to the fort.

About 1.5 hours later, we came back to the car. As we approached it, I immediately noticed something strange: the passenger door wasn’t completely closed.

My wife panicked and asked me to check the pocket behind the driver’s seat because she had left her wallet there.

I checked. The wallet was gone.

We emptied our backpacks, hoping that maybe she had taken it with her without remembering. Nothing.
That was when we realized that someone had entered our car and stolen the wallet.

Inside was a significant amount of cash, both my wife’s Swiss and German ID documents, her bank cards, her and our son’s insurance cards, as well as photos and other personal belongings.

I immediately called the police. They explained that because there were apparently no visible signs of forced entry, nobody would come to the scene and that we would need to go to the nearest police station to file a report.

I have to admit that I was quite surprised that nobody would come to check for possible cameras or other evidence. I understand that identifying the people responsible for this kind of theft may be difficult, but when you have just lost all of those documents and belongings, it is still extremely frustrating.

So we went to the police station in Villeneuve and filed a report.

Fortunately, after checking our household insurance policy, I found that we have coverage for theft outside the home, with a CHF 200 deductible. I still need to check exactly what is covered and up to what limits.

Beyond the money and all the administrative hassle that now awaits us, the whole experience was simply awful. When we got home, our 2½-year-old son, who probably didn’t really understand what had happened but clearly felt our stress, wouldn’t leave my side. He finally fell asleep around 9:45 pm after crying several times.

I’m not really looking for anything specific with this post. First of all, I just needed to get the frustration off my chest. But more importantly, if this post can prevent the same thing from happening to someone else, then at least something useful will come out of it.

The police told us that thefts from vehicles are relatively common in this area. They also mentioned that thieves may use methods or devices that can interfere with remote vehicle locking.

So if you park around Chillon — or really anywhere busy and touristy — don’t just press the button on your key and walk away. Physically check that your doors are actually locked, and don’t leave valuables inside the car.

And just in case:

If anyone happened to find a pink/beige Calvin Klein women’s wallet somewhere around Chillon/Villeneuve, or saw anything suspicious today, Sunday 4 October 2026, between approximately 12:50 pm and 2:30 pm, I would be extremely grateful for any information.
A police report has been filed.
And most importantly: please be careful with your cars and belongings if you’re visiting the area.

Will make an international transfer and want to leverage my Wise account.

I just made a transfer from my Zürcher Kantonalbank to my CHF Wise account and it hasn't arrived...

Has anyone had success with this or a way to be able to get CHF to their Wise account?

My RAV instructor was extremely kind as I finished my PhD a couple of months ago. Gave me a lot of support, helped me with documentation etc. I’m from the UK where it’s okay to gift something *SMALL* to those who have helped you, but I’m unsure on the ethics of giving something to a government official. I don’t want to get them into trouble or sound weird, I just want to truly show my appreciation for the support.

I’m 31, Swiss, born and raised here, and living in the St. Gallen / Eastern Switzerland area. My partner and I are looking to buy a single-family house.

The problem is that newer or nicely renovated houses are often very expensive, so I’m increasingly considering buying an older house that needs renovation.

I’m a trained electrician, although I haven’t worked in the trade for several years. I could do some work myself, but I work full-time in a management position and don’t have enough time to take on a full renovation.

My main concern is that an older house could become a financial black hole due to hidden issues such as asbestos, moisture in the basement, roof or structural problems, old heating systems, poor insulation or unexpected costs once renovations start.

I’m not looking at a specific property yet, but I’d like to understand the risks better.

For those who bought and renovated an older house in Switzerland:

• Did the renovation stay close to budget?
• What problems did you underestimate?
• What would you definitely have inspected before buying?
• Would you buy an older house again?
• Would you recommend bringing in a building expert or architect before making an offer?

I’m also wondering whether building new might actually be more predictable, although I know very little about permits, zoning and the overall process in Switzerland.

I am obsessed with the Swiss Lotto guy: his florid costumes, his confident air of being known to the viewer. Is this fellow a well-known actor or other entertainer? Is he by contrast only the mascot for the lottery? Please help advance my integration by filling me in on this omnipresent chap.

Hoi zäme

Ich bin aktuell auf der Suche nach einem möglichst günstigen Mobile-Abo in der Schweiz und bin momentan bei zwei Angeboten hängen geblieben:

**1 GoMo Swiss** – aktuell CHF 9.95/Monat und alles unlimitiert in der Schweiz

**2 spusu 10** – aktuell CHF 9.90/Monat mit 10GB Daten pro Monat in der Schweiz und davon 3 GB Daten Roaming in EU

Hat jemand von euch Erfahrung mit einem der beiden Anbieter? Mich würden insbesondere folgende Punkte interessieren:

1   📶 Wie gut ist die Netzabdeckung und Geschwindigkeit im Alltag?

2   🚆 Wie sieht es mit Empfang in Zügen und ausserhalb der Städte aus?  

3   🌍 Wie gut funktioniert es in der EU?

4   Gibt es irgendwelche Haken, die man vor dem Wechsel kennen sollte?

Und vor allem:
Welche anderen Anbieter/Abos könnt ihr empfehlen?

Danke für eure Erfahrungen und Empfehlungen.

Maybe someone found something similar:

I have been using the www.priminfo.admin.ch, as mostly everyone does, to check for the cheapest Health Insurance, but for some reason, last year and again this year, Visana for instance, is not being shown the correct amount.

For instance on Priminfo it shows 506 (cheapest model) and if you go to Visana’s website it is actually 455,85.

Canton: Basel-Stadt

I wonder if there are any other mistakes? Did you also find some?

What is up with this? Womens toilet does not have a single camera, but mens do? (I am a woman, my boyfriend took this picture in his WC). I'm pretty sure this is illegal. Can I report this somewhere or am I mistaken?

hi,

my mom (reitred) encountered seizures (TIA) and had to be transportet - by helicopter - to hospital (including a transfer to another one after she was stabilised). the costs gonna be VERY high and - of course - health insurance only covers 50% (she does not have a "Zusatzversicherung")

while i know there's nothing for "transports past", question now is for any (hopefully never occuring) future situations:

is there a solution out there taking care of transportcosts not taken over by health-insurance
=> and does not exclude transports due to preexisting conditions? (bc what if she encounters another TIA and again needs an medevac)

i read about sos144, but they exclude transports for preexisting conditions (so does the TCS Schutzbrief, and all "Zusatzversicherungen")... Rega can but doesn't have to forfait on costs, but only if the transport was done by rega (mom for eg was transported with Alpine Air Ambulance)...

Is there a possible alternative? Or is essentially, due to the preexisting condition, "all a lost cause"?

After Coop, starting this week my Lidl does this as well. Bonus points for selling shrinkflation to the point where it's getting utterly pathetic. I wonder why nobody buys this Prosciutto...

my parents just threw out my favorite mug without my knowledge and I'm really sad about it, because I bought it around 2023-ish in a big Coop. It was part of their yearly random christmas collection, and I haven't seen it anywhere since then (it wasn't part of a sticker collecting thing, just a normal mug during christmas). I tried looking on google, coop and riccardo but can't find it.

I can't find any picture of it, so I drew what it looked like. It was porcelaine with red glaze; I loved it cause it had a simple and silly reindeer with string lights on it with the bottom text "happy holidays!". The reindeer and text were unglazed, so the white color came from the exposed part of the material of the mug. The rim of the mug also curved smoothly inward, which made it really nice to drink out of.

I hope someone knows where I could find it, or even own one :'( thanks for any responses in advance <3

I live in Zürich surroundings.

I don't care how petty I will sound.

I see many drivers ignoring the pedestrian crossings, sometimes multiple in a row.

It happened that I had to pull hard on my dog so it does not get ran over. They don't even brake.

Before I cross, I always see if a car is coming and then do the first step on the road, and only if a car is in a reasonable distance to stop. I am a driver myself and I always stop when I am driving.

Is there anything to do in these cases? Or wait to get ran over?

If I report them to the police, does it become very complicated afterwards? Has anyone done it?

Ich habe bisher bei der Grundversicherung immer das Hausarztmodell gewählt. Mit meinem Hausarzt bin ich sehr zufrieden und konnte mich bei gesundheitlichen Problemen direkt bei ihm melden.

Für nächstes Jahr wird die Prämie für das gleiche Modell bei der günstigsten Krankenkasse gemäss Priminfo allerdings rund CHF 50 pro Monat teurer. Beim Vergleich auf Priminfo habe ich gesehen, dass die Telemedizin-Modelle teilweise deutlich günstiger sind.

Deshalb überlege ich mir, auf ein Telemodell zu wechseln. Mich würden aber vorher die Erfahrungen interessieren:

1   Wie sind eure Erfahrungen mit einem Telemedizin-Modell?

2   Funktioniert die telefonische bzw. Beratung per App in der Praxis gut?

3   Wie unkompliziert ist es, wenn danach doch ein Arztbesuch vor Ort nötig ist?

4   Würdet ihr aufgrund eurer Erfahrungen wieder ein Telemodell wählen?

5   Bei welcher Krankenkasse habt ihr das Telemodell und wie waren eure Erfahrungen damit?

Besonders interessieren mich auch negative Erfahrungen z. B. wenn die telefonische Beratung umständlich war, ihr immer wieder an verschiedene Ärzte weitergeleitet wurdet oder es Probleme mit Überweisungen/Terminen gab.

Yes, it's rare in both regions to find someone who speaks another swiss language fluenty, except maybe swiss kids with parents from Italy who speak italian at home since the italian diaspora in switzerland is huge.

Nowadays most people speak English and that holds true everywhere in Switzerland (can't really speak about Ticino but someone from there could confirm).

But I still notice that when in Bern, Biel, Lausanne or Fribourg, or even Basel, or Valais, it's more likely to find Swiss-Germans who speak fluent french than Swiss-French who speak fluent german. Do you also notice this? If so, why? Is it because French is a more international language than german, so swiss-german are more likely to learn it?

But still, german is important in Switzerland, so I would guess Swiss-French also have an incentive to learn german, but that's not what I observe when I am in Fribourg, Lausanne, or even Biel/bienne where i hear much more french spoken in a german accent, than german spoken in a french accent

ciao ragazzi di lugano,

ho bisogno di una pumpa per la mia bici (ventole normale) - però adesso sono già le 22 - conoscete un posto dove posso trovare una pompa di note?

Grazie ragazzi!

hi luganese friends,

in disperate need of a bike pump in Lugano - is there any chance there is one that I can find which would be available now (22.00)

thanks!

UPDATE - someone tell city of Lugano to build public bike pumps - I roamed the whole city and didn’t find a single one - just biked without air

Hi everyone,

we (F28, M28, no kids, EU citizens, living&working in Switzerland) are thinking about buying a house in CH we saw and aren't sure about it. We're not asking whether the property is worth the price. What we'd really like to know is: Based on our pros and cons, would you buy under these conditions, or would you not be willing to?

Key facts

• Household net income: CHF 10k, total net worth CHF ~140k
• We save arround 50k per year.
• Current rent (incl. utilities): CHF 1,800 (about 18% of our income)
• Equity: we have about 16% of the purchase price in total capital.
• The bank loan is very cheap thanks to our current employee conditions.
• According to 3 different banks, we can buy the house and all the bank would finance it

Pros

• We'd stop paying CHF 1,800 in rent.
• We're very handy and know a lot of tradespeople through friends, family and acquaintances.
• Through our jobs we get extremely favorable mortgage conditions (about 0.5% SARON).
• Something newer isn't affordable and wouldn't pass the bank's affordability calculation (Tragbarkeit) in the foreseeable future.
• We'd buy at today's prices rather than possibly higher ones in 2–3 years.
• We'd double our living space while cutting our housing costs in half (interest + repayment + utilities + reserves).
• Our family would give us about CHF 100k extra as a repayment loan for the purchase. It's unclear whether that will still be possible in 2–3 years.
• We really like the layout and style of the house.
• The location is very good for both of our workplaces, and we also like it a lot in general.
• The timing works. We'd like to have kids in about 2 years. After that, buying wouldn't be possible because of the affordability calculation (wife stays at home), and moving with a baby would be hardly manageable stress-wise.
• We could move in and renovate step by step, without paying for rent and a mortgage at the same time.

Cons

• The house needs extensive renovation. The costs are very hard to estimate, and there may be asbestos.
• The house is being sold through a bidding process.
• Communication with the real estate agent is very frustrating, long waits no real updates, etc.
• The living space is only about 120 m².
• The financing also depends on the loan from our parents.
• Renovating while living in the house may put a strain on our relationship and jobs.
• The bank's valuation of the house is [amount X]. It's listed at about 7% above the bank's valuation, and the current highest bid is 10% above it. This is maybe the most prominent contra
• According to the bank's affordability calculation, we could pay up to 14.5% above the valuation, but we'd only be willing to pay 12% at most.

Our questions for you

1. In our position, would you buy under these conditions, or would it be too much for the risk we're taking on?
2. Do the pros (no more rent, family planning, timing) outweigh the cons (renovation risk, dependence on the parental loan) for you?
3. Is it realistic to live in a house while renovating it extensively, or is that a relationship killer?
4. Buy now because the timing works, or wait and keep renting, even if kids are on the way?

Honest opinions are welcome, even critical ones.

Thanks!

Disclaimer: Repost from (https://www.reddit.com/r/SwissPersonalFinance/s/VU94nfCvUF)

Edit: the owner has found a buyer.

I was just there, and the gentleman happily told me that Tele M1 aired a segment last weekend, and by Tuesday they had already found a serious buyer.

I'd like to thank everyone who took the time to read and/or share this post. Thank you so much.

Post: As the title suggests, the bike and moped repair shop 2-Radegge in my village is looking for a successor.

I asked the elderly gentleman if it would be okay to make his search public; he agreed. He had already placed an ad in the local newspaper but hadn’t found anyone interested yet.

I thought it would be a good idea to expand the search via Reddit a bit -maybe someone will come forward who’s wanted to open a repair shop for a long time but never quite had the spark to get started.

For us locals, it would be a huge loss to no longer have a bike repair shop in the area.

If anyone is actually interested, they should contact him directly.

Thank you very much for your attention.

I’d love to hear how people who live here experience daily life throughout the different seasons. What are your favourite and least favourite things about each season in Geneva? 😊

Salut les cyclistes d'ici,

J'ai reçu une inscription gratuite par mon club pour le cyclotour du Léman qui se déroule le 18.10 mais je ne peux malheureusement pas y participer.

La personne qui a le code peut s'inscrire à n'importe quel parcours de son choix. Si quelqu'un est intéressé par un éventuel rachat ou contre une bonne bouteille 😉 n'hésitez pas...