13 - Moving to Switzerland Without the Stress - Relocation, Taxes & Expat Life with Julia Kaufmann

00:00:04: It couldn't help but wonder,

00:00:06: if

00:00:06: taxes are truly unavoidable why do they always feel like a bad date we never agreed to?

00:00:13: Welcome to Tax and the City.

00:00:15: I'm Julia Tatje from Taksum your personal tax boutique in Zurich.

00:00:20: Here we talk taxes simply and honestly Sometimes just you & me sometimes with guests Always rooted in real life And Just Like That something mandatory becomes A little more delightful.

00:00:39: I couldn't help but wonder, when you move countries why does everything suddenly feel harder than it looks on paper?

00:00:46: You've landed the job contract is signed.

00:00:49: Your LinkedIn post says excited to new chapter in Switzerland.

00:00:54: and yet somewhere between first letter from tax office school application forms trying understand every shop closed Sunday in this country confidence quietly turns into doubt.

00:01:07: Welcome back to PECS in the city where international life meets tax reality, and we talk about parts of success that no one really prepares you for.

00:01:16: Today's lecture is about relocation but not the glossy brochure version.

00:01:21: it's about being new.

00:01:24: New to a country, new system, new rules... You don't even know your breaking!

00:01:30: And because at Taksom we work with international clients every day, I continue this.

00:01:35: Taxes are already stressful for locals but when you're coming from another country the uncertainty multiplies and suddenly it's not just about numbers.

00:01:45: It is safety trust feeling like you belong.

00:01:49: That why i'm so happy to have todays guest with me Julia Kaufmann.

00:01:54: She is co-founder of Alliance Redocation who land in Switzerland without losing their minds or their optimism, she sees firsthand what happens when relocation is done well and when it isn't.

00:02:10: We share the same audience with the same belief that good advice changes lives and importantly we have a share of love for uproars and Christmas lights which I think tells you everything you need to know by now.

00:02:22: So Julia, I'm so glad you're here.

00:02:24: Welcome to Texas City!

00:02:25: Thank you very much and thank you for having me today.

00:02:28: Let's dive in and start at the beginning.

00:02:31: You've been in relocation quite some time.

00:02:34: How did you end up?

00:02:37: In this first place?

00:02:39: Yeah that is a good question.

00:02:41: I always say like Adam and Eva because i am coming from the airline industry where worked for twenty plus years And when I quit flying I cannot go to an ordinary

00:02:55: job

00:02:56: at five behind the screen all day.

00:03:18: participated that project for two years and I instantly knew why.

00:03:24: the right place.

00:03:24: That's

00:03:25: it!

00:03:26: So what did you love about?

00:03:29: Actually, everyday is totally different.

00:03:33: Sometimes we never know in the morning how that day ends and happiness and thankfulness of guests or clients are like when I was flying.

00:03:46: at end of flight people were happy because i'm a server basically serving my clients and really bring them the best service, but no day is like the other.

00:04:04: I can imagine.

00:04:06: I mean, reputation includes so many odds-and-ends... And i think it's not all about logistics?

00:04:13: No!

00:04:16: Basically we almost become bit like a friend to our clients.

00:04:22: Also after some time, if we meet them in the streets... After six months one year they basically hug you because you were the very first person that met when they came to Switzerland and you helped them And hopefully an happy outcome.

00:04:36: We found nice home for them.

00:04:38: They invite us for dinners or apparel Or send as little gift.

00:04:45: This is of course I would say...

00:04:51: It's touching even.

00:04:52: Yeah,

00:04:52: definitely!

00:04:53: Definitely.

00:04:54: I never thought that you were actually the first person.

00:04:56: but yes it is true for me as an employer

00:04:58: Yes

00:04:59: But

00:05:00: then we are quite a lot with them also in our car.

00:05:03: when we go on house haunt We drive in the car and talk all day maybe have lunch together somewhere.

00:05:11: So we spend quite alot of time And sometimes when they say goodbye to each other yeah we're just little bit sad.

00:05:17: So there's a lot of emotions, not only boxes and checklists.

00:05:21: No no they become quite close.

00:05:25: yeah

00:05:25: Is this like basically the same for everybody?

00:05:28: or do you feel as people that are so experienced with moving countries?

00:05:33: They barely knew it is every country A fresh start in the same topics.

00:05:39: I

00:05:41: mean, it depends if its the first country for a client moving abroad.

00:05:46: Sometimes they have moved ten times already and then that can tell me about their experience in past countries?

00:05:54: If this is your first country of course it's even much more exciting... ...and also a bit lost than when you've moved ten time before.

00:06:04: but yeah so every client Super different, has super-different needs as well.

00:06:11: And then of course it depends in what size they come if that comes along with families kids couples and also from which countries you hold like cultural

00:06:22: If similar to Switzerland or very different Yes I can imagine.

00:06:26: But even

00:06:26: if there are people coming from Germany or Austria we have differences.

00:06:30: but offcourse if their speak the language its much easier

00:06:37: they might have the misconception of it's basically like same as at home.

00:06:42: Yes,

00:06:43: just that accent is slightly different

00:06:45: than when he comes to recycling and stuff.

00:06:47: So

00:06:51: yes we love recycling police.

00:06:53: We are

00:06:54: so we love cycling.

00:06:57: We love sending letters to people.

00:06:59: I had a client from US last week.

00:07:02: she was never received paper.

00:07:07: Yes, document yes from the official authorities as here

00:07:12: absolutely she

00:07:13: was like in twenty six.

00:07:15: I thought it's basically age.

00:07:17: but

00:07:17: so when i hear that in Denmark they closed all the post office and their mailboxes or because there don't have any we definitely couldn't do at all even rental contracts everything comes on paper.

00:07:30: you go to the Post Office put a stamp on it.

00:07:37: So we still have.

00:07:38: We keep a lot of stamps in our drawers, so do you think are people worried when they come into new country?

00:07:46: Do they feel control or what is their most negative emotion and maybe not even one that has played or keeps them up at night...

00:08:01: Yes I would say because They read a lot in advance.

00:08:06: There's of course some groups, Facebook or whatever where they read stuff and they think that Switzerland is so organized as so strict like no other country And they are afraid to do something wrong.

00:08:21: So the first question always... Is it right?

00:08:26: I cannot flush my toilet in the night.

00:08:31: And then of course they are afraid that there is something wrong with recycling and not putting out stuff on the right day, or where we calm them down.

00:08:48: Of course, you can also do mistakes here.

00:08:50: It's not that you get to jail with everything and of course... ...you can flush your toilet in the night!

00:08:57: And I have never been asked that one.

00:08:59: so it is a good one.

00:09:01: but the recycling one?

00:09:02: The recycling one is big topic.

00:09:05: then all the letters they got from the authorities when they need to register.. seven envelopes from the bank with all their data and e-banking access.

00:09:18: First, I had a client who said that she didn't receive any mail for weeks.

00:09:24: She sent it to me saying something must be wrong!

00:09:26: And then I wrote back to these banks.

00:09:28: an insurance says if you don't get your email until they found out in her mailbox there was some upper compartment which is locked by key.

00:09:37: So she kept looking at this lower part where we received the pass.

00:09:42: That's Vivaan, then of course the hop apart was filled with all her mail.

00:09:47: Okay okay maybe not the nicest surprise she had that day.

00:09:51: um we at Tuxum usually come in when people settled-in already.

00:09:59: some people are well informed now or afraid enough to get in touch with us before they even come here.

00:10:07: Yeah, because I mean you know location.

00:10:11: that's not really true if we want a cell house and it comes through your taxes And then your education defines the majority of your tax burden.

00:10:24: unless you're American Then you don't care about Swiss taxes Because you end up paying the US anyway To anyone else?

00:10:33: Check that before you come because you can optimize your taxes like big time.

00:10:40: But as you also know, housing for example is a lot more expensive than ex-efficient places.

00:10:45: Yes

00:10:45: and don't choose the location only due to the tax situation Because at the end of the day we still need to lie down where our lives are And not just because it's a tax benefit.

00:10:56: and then yes rents are usually quite higher in those attractive towns than if you go somewhere else in the countryside where it's nice.

00:11:07: I was also good text,

00:11:08: yeah Do you have something like your biggest mistakes when people move to Switzerland?

00:11:17: do You have a top three?

00:11:19: People come here at their biggest mistake or Misconceptions ideas that they had for coming here.

00:11:27: and When relocation is done properly If you hire a professional or if your employer is a professional, what can you avoid?

00:11:37: that people usually...

00:11:39: So I would say the biggest or top three would be choosing the location because most of the clients they come and said i want to live in the city of Zurich.

00:11:51: Because I already live in a big town and Zurich it's small town but thats maxi can reduce.

00:11:57: And then they come here and go along the lake to those smaller towns.

00:12:03: It's really nice residential area, it is family friendly, international schools are there... It's moved there.

00:12:10: And in the very beginning they said, no we cannot move to such a small village until it is here and I mean really Swiss feeling.

00:12:18: you get family-friendly residential villages also mixed between locals from abroad.

00:12:28: this always what we try.

00:12:30: make them more attractive basically look further than just city.

00:12:37: that' true And they are more like sufficient, if you ask me.

00:12:41: Again?

00:12:45: So what is the mistakes people make maybe when it comes to schools?

00:12:52: Yes very good topic because most of them think that should send their kids to an international school and we actually advise them To go to local schools Because its much better for integration Especially if they plan to live here long term.

00:13:10: Of course, it's been two years and that doesn't make sense... ...to send kids a lot of schools where they need to be fluent in German.

00:13:18: But also the contracts changed a lot in the past.

00:13:24: so.. A lot people come on local contract then international school for kids is not paid So you have to pay them on their own.

00:13:31: It's quite expensive And they should really look into the system of local school, which is very good.

00:13:39: It's free-of-charge.

00:13:40: so we try to explain that... ...they should basically look at both options and in the end maybe go for the local one?

00:13:50: Yeah!

00:13:51: When it

00:13:51: comes to

00:13:53: admin stuff Is there something people always

00:13:57: get them?

00:13:58: I mean We are a physical paper country.

00:14:04: And this is, I would say other...I can't think of any other country who has the same here because they're already surprised to wet sign housing contract and when it comes to banks stuff everything has to be wet signed and sent away by public.

00:14:28: Behind with that, which maybe we are.

00:14:31: I would also appreciate if it could do more digital contracts and stuff.

00:14:35: It'd be much faster.

00:14:36: But as is the case We have to basically follow these rules.

00:14:42: Also when they depart The cancellations will have to be sent with registered mail.

00:14:49: Sometimes you don't even know what this is.

00:14:51: Go to the post office tell them it's registered maint More expensive You contract And yeah, I would say the administrative way we have here is definitely different to other countries.

00:15:05: So this is something that you can take off people's shoulders?

00:15:09: Yes!

00:15:09: You are like okay i'm gonna walk you through or

00:15:13: do it for you

00:15:14: Or explain what this famous register is exactly.

00:15:20: When people arrive here most of them will think about taxes after a few months, then we can only go back and report what is there.

00:15:33: What has been done?

00:15:34: So yeah it stops being theoretical than becomes very practical.

00:15:40: We could only report um...what people did?

00:15:45: so It's the result of their life decisions that you take together with them.

00:15:51: Its not the starting point but extra points in as well.

00:15:55: The better people are prepared for this

00:15:58: Exactly.

00:15:59: So

00:15:59: I'm sure you point out to people that it might not be done with the tax which held for them on flip-hayslip?

00:16:07: Yeah, exactly!

00:16:07: A lot of people come here at our tax sourced first few years but definitely we should pay or give them the attention saying after a while do a tax declaration Which is of course the benefit because they can deduct stuff.

00:16:24: Then this is... You

00:16:26: need to do it.

00:16:27: Yes, that's also why we like the contact with you because you are a professional and can just put in contact.

00:16:37: We know they're best hands And don't have knowledge.

00:16:42: for us

00:16:44: It's an ocean.

00:16:49: I'm sure there will be stories.

00:16:54: We all love stories and we of course anonymize.

00:16:58: so all the clients with Julia don't panic.

00:17:00: You think you're gonna be exposed?

00:17:02: Oh, nobody will hear it.

00:17:03: No I mean Yeah, I think we can all write a book in our business With the partners are work with your all-in-the-business for ten plus years So with Alliance would bring more than fifty years of experience.

00:17:17: then Of course i was also asking my partner's what other stories do you have?

00:17:22: so which happened last year, for example was we went to a public viewing where the tenant is still in the flat.

00:17:31: It's furnished person is living there and There were also other people looking at the flat.

00:17:36: We're walking into the bathroom with checking out the bathroom.

00:17:39: I walked out thinking my client she's working behind me.

00:17:44: suddenly The door closed like half but not fully.

00:17:48: so i went back And I saw she sitting on the toilet as you see.

00:17:51: thank the bathroom But you didn't even close the door?

00:17:56: No, I didn't.

00:17:56: So let her finish.

00:17:58: and then when she came out i had to explain that sorry You can have an emergency And Then you could ask the tenants I really Have To Go Can I?

00:18:10: but You Can't Just Use The Bathroom And

00:18:12: Leave

00:18:13: The Door Out.

00:18:16: And

00:18:18: All Of These Yeah Sometimes Funny Happenings Is All On cultural topics, I would say because in their countries it's different than ours.

00:18:28: For example currently have a client from Japan who can't understand that his three-year old child cannot go to the kindergarten here without paying.

00:18:43: I said, yeah here in Switzerland the kids either stay at home or go to childcare.

00:18:50: until then official school starts with kindergarten and three is not an age where they start kindergarten because he doesn't want pay out of his own pocket.

00:19:04: asking his company if they would pay because he was expecting that.

00:19:07: He has the exactly same life situation than in Japan, and of course I can't say yeah but now you're going to meet some men and please set up!

00:19:16: But we try to explain.

00:19:18: this is a situation here... If you don't want to pay for childcare then the kid has to stay at home.

00:19:23: there's just no other way.

00:19:25: And with Ford i can start kindergarten.

00:19:28: So it sounds like your also doing kind of translation job.

00:19:35: You're translating what us Swiss actually have in mind.

00:19:39: Yes,

00:19:40: and for us it's normal.

00:19:42: And of course when it comes to public school which is often the problem Is that on a Wednesday afternoon kids get off.

00:19:50: What does working mom do with her kid?

00:19:55: For all these solutions they need to be found.

00:19:59: Also I think we are Not yet, a super working mom friendly country.

00:20:09: There is some progress but in other countries it's still very different.

00:20:16: and the cost for those child care and everything that people are in shock?

00:20:22: Yes!

00:20:24: But even in Switzerland they're shocked.

00:20:26: every year When we complete the tax return, it's like oh my god did I actually spend that much money on childcare?

00:20:33: And the answer is yes you did.

00:20:36: Um i'm confronted with that a lot.

00:20:38: luckily the deductions for child care significantly went up so It was limited to like ten thousand.

00:20:46: uh few years ago and now most cantons in for federation We have twenty five thousand per child Which Is A Lot Closer to reality, then the ten thousand.

00:21:00: So at least there is some progress

00:21:02: tax

00:21:04: wise.

00:21:04: so slowly but surely also Switzerland is realizing that in some families both partners are working actually also winning.

00:21:14: and Also what I find this lots of clients In their country Negotiate on prices, for example.

00:21:22: On the rental market they think that can offer more and then have higher chance to get it or want to negotiate down.

00:21:31: here is pretty strict what this advertiser pays.

00:21:35: you cannot offer more there's no chance of getting them.

00:21:39: but in other countries obviously bidding says like we've done with selling markets And also not for basically renovating a client's desk.

00:21:54: We would like to have this, but can we have another bathroom in it?

00:21:57: Would they install one for us and... We are not so open that I'd

00:22:03: say!

00:22:05: Do you have any other story first?

00:22:10: A family from... That doesn't actually matter where.

00:22:13: But there were basically complaining about the flat They saw.

00:22:18: They said, this is not nice.

00:22:21: But then at the end they applied for a flat and explained saying listen in our country we have to complain about everything just to bring down price.

00:22:34: And I say okay here it's going to work but unfortunately that didn't get it.

00:22:40: During the viewing there was like This isn't good to basically make the realtor saying okay,

00:22:49: if

00:22:50: you take it we give it for less money.

00:22:54: But here not a tenant chooses The landlord chooses.

00:22:58: This is really hard.

00:23:01: It's not what you see that gets.

00:23:04: You apply and then maybe are selected.

00:23:06: That´s different from other countries.

00:23:12: Yeah, so like what I have as a very common misconception is that people think my employer withholds the taxes done and dusted which it's not.

00:23:26: Most clients are not the case because

00:23:27: they either earn more than one hundred twenty thousand or even if they grow.

00:23:33: most clients who come here do have some assets

00:23:36: yeah

00:23:37: depending on their commitment to exceed a certain amount Which is not millions It's a couple of ten thousandths.

00:23:45: Then it is actually mandatory filing.

00:23:48: A lot people end up here and we are in the end filing for voluntary disclosure because they should have big filing a few years ago already, so just quite aware.

00:24:01: Just want to say again if there is slight doubt on your mind If you're compliant And that's maybe only true for taxes, but also for insurances and stuff like that.

00:24:16: Ask an expert because if someone tells you then no there is actually no obligation You don't have to do anything.

00:24:23: I'm fine!

00:24:23: You can relax go on with your life.

00:24:26: when take care about more exciting stuff than taxes or insurance

00:24:30: I think definitely much more information could be given to them from the very beginning.

00:24:39: Everything is taken care of and whatever needs to be taken care, my company will do it but then you should have a liability insurance.

00:24:49: why would i need that?

00:24:51: If we lose our key to your flat its a couple thousand francs because all these locks needed exchange And then they understand it.

00:24:58: But if I would not tell them, They wouldn't buy one.

00:25:02: Whatever is not needed... ...they don't take care of you!

00:25:06: Yeah that's true.

00:25:08: You also think If a company invests into you as a relocation service Or what do you think?

00:25:16: What benefits does the

00:25:17: gift to the

00:25:18: company That pays money for your expense?

00:25:23: So why does this pay off?

00:25:25: I mean, i would say mainly that they can concentrate on their job from day one and we have all kinds of positions.

00:25:33: We don't only have board members through companies but also regular employees.

00:25:39: But yeah They come usually when the company to start working first-day And it can take off a few hours.

00:25:46: if you go some flat viewings or registration at town hall bank appointments.

00:25:54: They really need to work, and sometimes if I have important board members they have their eye beer pot in the house viewing because then you can listen to some kind of meeting.

00:26:08: And it's basically take them away as much work possible... How should somebody who doesn't speak that way apply to a flat?

00:26:20: Applying to a flat these days is like applying for the job.

00:26:22: You have to have an occupation letter, some pictures... you have all kinds of documents showing that you don't have any debt and stuff And this I think is the big help.

00:26:34: Of course they can ask us everything.

00:26:36: It's not only about rules here in Switzerland but sometimes asks us if we could find a tennis club or activities with kids too?

00:26:47: Yeah,

00:26:48: every single

00:26:49: one.

00:26:49: So actually, if I'm an employer and have international employees.

00:26:56: If i do the...I can either not care about relocation in saying you're not yourself which most people eventually will do but it would result less work quality.

00:27:10: this

00:27:10: and demand help because when they come there are really anxious especially if they come alone And they come from a country where they lived with their families, for example India.

00:27:23: They live maybe still lived with parents or sisters and so there are software engineers here who need to live alone now in the flat... ...and somebody needs to talk about everything….

00:27:40: …to also feel welcome in this country but not too alone!

00:27:45: And I think this is also important for an employer that the employee feels happy to be here.

00:27:53: Yeah, i have seen people leaving their country again because they felt so lonely especially during corona.

00:28:00: They came and had work in a home office from day one.

00:28:03: The metered teams only on more teams.

00:28:08: That's how it started.

00:28:09: It was really sad.

00:28:13: There was a tough time for everybody, but I can imagine if you just came here and It is not so easy to make friends with Swiss people anyway But everybody was locked up in their own places.

00:28:25: Yes that was even worse.

00:28:28: So thankfully there's no case

00:28:31: anymore And i see many companies do a lot of after work events and they also sometimes go skiing together on the weekends.

00:28:41: I have some clients like short-term assignments that come here on a kind of internship.

00:28:48: Then they do everything together, so instantly there are bunches friends and this is of course hilarious to me!

00:28:54: And it's very valuable for them?

00:28:57: And then...I'm sure they'd do better job

00:29:01: than

00:29:01: if they sit down with all those letters?

00:29:04: Impressed!

00:29:09: Impressed in short and translate Of course they ask.

00:29:12: Can I have this contract in English?

00:29:13: No, unfortunately it's not a language of our country.

00:29:16: We can maybe have it in Italian or French but that is the most.

00:29:20: But Google Translate and Deepul do fantastic jobs these days with where you can translate all documents which before we did translation summaries of contracts.

00:29:31: so its also very...

00:29:34: Yeah, exactly.

00:29:40: Sometimes

00:29:41: it's lost in translation.

00:29:44: Usually you welcome people to Switzerland but we can't understand why?

00:29:49: But there is people that actually want to leave or have to leave our beautiful country one day.

00:29:56: Are you involved then again with a lot of your clients?

00:29:59: Yes,

00:30:00: we are also mandated to the so-called departure service.

00:30:04: Not everybody but it's also... Many times its a company who asks us for their departure.

00:30:11: sometimes people come individually and privately asking can they help them with their departure?

00:30:16: Unfortunately often if they get laid off from a company than that doesn't care anymore.

00:30:22: They just leave.

00:30:23: And thats why They come to us asking, because it's quite a long list what you need do when your depart.

00:30:29: And some they think yeah I just booked my flight and i leave but no-no-no or have to do lot of things... ...and then in the pick up especially taxes.. It is big topic that if we needed to file tax returns these are done.

00:30:46: You need to properly deregister, you need to proper cancel on contract.

00:30:50: so its quite alot work And a lot of people, they come here on two to five year assignment and then leave again.

00:30:59: But many also for open ends end up with the Swiss passport after awhile.

00:31:07: For me as a Swiss I can't live my country even if i love travel but always say it's nice too go home no?

00:31:16: People said yeah!

00:31:17: I'd like to go home, my family again especially if there is further away.

00:31:21: so I always put in.

00:31:24: Yeah, i think there's...i meet two kinds of people the ones that are like it was nice..I've seen it now as you said i want to go home now um and then other group of people they tell you at beginning well i'm gonna be here for like two three years turning into five six seven Oh, marrying someone from Switzerland at twelve, fifteen having a passport and then one day saying I can't imagine going back

00:31:55: ever.

00:31:56: So this is also what happens.

00:31:58: a lot i figure people that are in the beginning don't know it's short-term thing And then it just never ends

00:32:05: Especially after corona.

00:32:07: That's why we have quite even bigger shorts on flat That Switzerland is safe, it's well organized.

00:32:16: So much going on in the world and people think okay let's stay a few more years because we have stable situation here

00:32:24: with Frank

00:32:26: job everything all this organized wipe In a risk leave to come to somewhere where we don't know what will happen.

00:32:35: And that why I always say more people calm and stay.

00:32:41: people still keep arriving, and that's why it is a bit hard to find the flat here these days.

00:32:46: It was despite your services even more needed now?

00:32:49: Yes!

00:32:50: I just wanted like in terms of leaving the country on taxes... ...I literally had this client calling me in the S-Bahn to the airport in Zurich saying listen i'm leaving the county.

00:33:02: can you please take care off withdrawing the pension fund at my pill.

00:33:07: three eight.

00:33:09: You are on the way to your airport, yes.

00:33:14: Okay listen had you called me at least two weeks ago we could maybe have like figured out something right now.

00:33:21: um We will only be able do Like and we have to do it in a way that is just Now.

00:33:28: so there's not a lot of planning.

00:33:30: That is still possible.

00:33:32: So for everyone who is considering leaving It is very much worth your job and your apartment, mobile phone contract.

00:33:43: And any other subscription you might have.

00:33:46: people think more about the cancellation of their fitness club than calling that tax advisor.

00:33:53: in letting them know it's not because I want to help them pack their boxes but i'm very happy to find a tax efficient solution.

00:34:03: for We're just discussing this before we recorded the podcast.

00:34:11: People from some countries, like for example India.

00:34:14: they are even entitled to take their AHV money with them.

00:34:19: so people from EU and a lot of other countries can't do that.

00:34:22: but those people can even take the AHV amount.

00:34:27: it's a form you have to complete But You Have To Know And You Have Do It Properly.

00:34:34: And to anyone else that leaves their money here or has AHV monies, my advice is always set a reminder in your Google calendar for two years before you retirement age.

00:34:49: Reminding you there was some things I accumulated in Switzerland and should maybe investigate.

00:34:59: how can i get a pension even if it's just a nice dinner, my books.

00:35:07: So why should you not take it?

00:35:10: It's your money and just have to keep in mind.

00:35:15: maybe its easier if someone points out how it works.

00:35:20: Yeah because especially again need some white signatures to basically cancel all those bank contracts.

00:35:33: What I need to do, my company will tell me.

00:35:36: And no!

00:35:37: Just as you said...I had an Indian and told him that your country doesn't have any agreement with our countries so he can take the first pillar.

00:35:46: No, He did not.

00:35:50: tax topic.

00:35:51: Now, we're speaking with you today and that they really need to take care of that?

00:35:56: And I don't want to know how much money is in all those pots from the second pillar or even bank accounts which maybe were not cancelled because it's people's money as you said more important than a gym membership.

00:36:12: please have the right Otherwise nobody else will give it this.

00:36:21: Yeah,

00:36:21: and I think its the same story for cancelling your rental contract having a pension fund in line everything when you arrive here When you leave while you are here if you're not familiar with the exact procedures rules and legislation i think is worth asking an expert.

00:36:43: You could also

00:36:43: ask your neighbour of course If he's an expert on that field.

00:36:47: thats very good.

00:36:48: But I heard of so many badly advised people that asked and they were a friend.

00:36:55: Cousin, work colleague... So please get proper advice!

00:37:00: I would say one.

00:37:01: the most important parts are departure And to be honest in our location we also didn't put an eye THAT much on this topic.

00:37:09: We more focused on cancelling all those housing contracts.

00:37:14: but for their favor They should really Dig into that topic early enough to the airport.

00:37:22: Spoiler,

00:37:24: it's too late.

00:37:25: So yeah It's funny how moving to a new country is supposed to feel like freedom and unanswered questions can weigh heavy on you.

00:37:36: And what today reminded me of Is this like clarity isn't about knowing every rule?

00:37:42: It's about knowing who call when you don't because no one's supposed know everything.

00:37:49: All the rules

00:37:49: for all countries.

00:37:51: Julia, thank you uh...for this conversation and honestly with stories like The Toilet One will stick to my mind for a while!

00:37:58: And for work you do make Switzerland feel less intimidating?

00:38:02: And everyone listening whether your moving yourselves supporting international talent or quietly worrying about taxes at midnight You don't have to navigate it alone.

00:38:14: We link all relevant deep notes, as usually including how to find Julia's work and how weird taxum support internationals once the text questions begin.

00:38:24: And just like that you've been listening another episode of Tax in The City.

00:38:29: Thank you Julia.

00:38:30: Thank you very much for having me again and also your contribution to our business, it's super valuable because we like especially a women's network in the Alliance group.

00:38:46: so thank

00:38:49: you Julia!