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  • "How to fill your tax declaration in Vaud Canton with VaudTax" guide, step 3
    "How to fill your tax declaration in Vaud Canton with VaudTax" guide, step 3

    In the last blogpost, we filled the three following parts of our Swiss tax declaration (for the Canton of Vaud), namely: Wealth, Real Estate, and Debts. Let's dive into the last parts: Status of Securities, Deductions, Informations, and Summary. Step 8: Status of securities For the sake of our example, we will claim that I have one bank account, some Novartis shares (i.e. the fake company I...

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  • The Cars of Personal Finance Bloggers
    The Cars of Personal Finance Bloggers

    (This blogpost was first published on Rockstar Finance. Special thanks to J.Money for this opportunity.) Since I was young, I've been passionate about cars. It must have something to do with my grandpa who founded a car dealership which was later taken over by my dad. I spent my childhood surrounded by cars of all sorts: V6, 1.0L, pick-ups, luxury berlines, you name it. When I got into FIRE...

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  • "How to fill your tax declaration in Vaud Canton with VaudTax" guide, step 1
    "How to fill your tax declaration in Vaud Canton with VaudTax" guide, step 1

    Tax declaration is a complex task, but definitely not a complicated one. With a bit of guidance, and thanks to the existing digital tool to support you, it becomes nothing more than a budget game that you get to play once a year. I will show you, step by step, how I fill my tax declaration in the hope that you can learn some tips and tricks — and myself too, thanks to your feedbacks. First,...

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  • [en]

    [en] Sometimes I get the nagging feeling that everybody (or almost) who used to be a fellow freelance consultant has now drifted into coaching. What is going on here? There seems to be a Ponzi-like dynamic going on, as with all these people giving online courses about how to earn money through your online business. … Continue reading " [en]"

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  • Why Your Daughter Probably Won’t Be a Startup Founder in Switzerland
    Why Your Daughter Probably Won’t Be a Startup Founder in Switzerland

    This is a guest post by Lea von Bidder, co-founder and President of Ava Science, a Swiss startup based in Switzerland and California.  Lea published this post originally  on her Linkedin profile on Thursday 8th of March, the Women Day, and I thought this kind of excellent content should be spread as widely as possible… Do not hesitate to comment and to contribute with your opinion or ideas...

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  • [en]

    [en] Earlier today, I was listening to Malcolm Gladwell on the TED Radio Hour podcast. He was talking about choice architecture. In short, how the way we frame the available choices influences decisions (think: opt-in or opt-out, for organ donors for example). James Clear has made me think about this a lot, under the title … Continue reading " [en]"

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  • Retrospective of my 12 goals of 2016
    Retrospective of my 12 goals of 2016

    That's the last goals' retrospective article you will read on the blog as 2016 changed the way I handle big objectives in my life. I will still report to you though, but in another format. For now, let's review my successful and failed attempts of last year. Blog goals 1 - Have blogposts available both in English and French Failed The purpose of this blog is to bring value in people's finan...

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  • How to teach scarcity to your kids with Mario Run
    How to teach scarcity to your kids with Mario Run

    "Scarcity (also called paucity) is the fundamental economic problem of having seemingly unlimited human wants in a world of limited resources. It states that society has insufficient productive resources to fulfill all human wants and needs." Wikipedia I can't help but to think that these parents who give the feeling to their children that everything is unlimited are doing it wrong. They thin...

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  • Blogger Savings Rate Index 2016
    Blogger Savings Rate Index 2016

    Two years ago, I looked for ways to improve our savings rate. As it's one of the most powerful personal finance tool to reach Financial Independence, I wanted to study how the leaders in this topic were reaching crazy figures every month. Hence I created the Blogger Savings Rate Index (aka. #BSRI) in order to get inspired by my fellow personal finance bloggers. Last year was the second ed...

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  • 5 Years of Blogging
    5 Years of Blogging

    January 2012. January 2017. Startupolic.com just turned 5 years old. It’s incredible how fast time is running out ! It’s time for celebration 😉 ! Why I started blogging In one of my previous life, I used to be a startup coach and business developer for a technology park, lost in Northwestern Switzerland (in canton of Jura). My mission was to discover promising startups and try to...

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  • Be Grateful
    Be Grateful

    Yet another year has gone by. What a better time than Holiday Season to be grateful. Grateful for the life you have. Grateful for the education you received that led you to discover the realm of financial independence. Grateful to have a warm shelter. Grateful to have all what you got in 2016. Because that's already more than enough. On my side, I'm grateful for the following things that happ...

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  • Too Much News? [en]
    Too Much News? [en]

    [fr] Il y a bien des années j'ai cessé de regarder les nouvelles à la télé, de lire les journaux, etc. Je m'en suis trouvée bien moins angoissée. Insidieusement, je me suis remise à suivre l'actualité du monde, via Facebook surtout. Suis-je retombée dans le piège de l'angoisse de l'actu? Est-ce que ce qui se … Continue reading "Too Much News? [en]"

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  • I Went For A Walk [en]
    I Went For A Walk [en]

    [en] I can’t say it was completely purposeless. I did need to buy a few groceries. But I didn’t have to walk. And I took the slightly longer, scenic route. No phone call, no smartphone welded to my hand, no podcast in my ears. I love podcasts. I’m a Gimlet member. But I’ve lately realised … Continue reading "I Went For A Walk [en]"

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  • Ultimate Swiss residential and mobile unlimited internet setup
    Ultimate Swiss residential and mobile unlimited internet setup

    Two years ago, I detailed a hack of the Swiss telecom system to bring our home and mobile internet expenses down to CHF 100/m for a two persons household. This setup has worked for several of the readers! In case you were not a reader by then, I'll share with you our new Mustachian setup as it changed since we moved. The graal of the subscriptions Last year, the alignement of the stars we...

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  • It is all about the variable
    It is all about the variable

    Until last month, we struggled to keep up with our savings rate. We felt frustrated about our failure to reach this 40% goal, yet simple to attain when one claims to be a Mustachian. I have read articles titled "Pay yourself first!" or "Save upfront, and live off the rest." None worked. The issue was this variable in our budget. We were doing it wrong So far, we assigned every dollar a job ...

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  • Establishing a Bogleheads three-fund portfolio as a Swiss investor
    Establishing a Bogleheads three-fund portfolio as a Swiss investor

    We used to have a short-term view of our investments with securities focused only on Switzerland, hedged for some. There was reasoning behind it, but I was waiting for the moment we could invest like true Mustachians. We are now ready to get back into the stock market game. For real. For the long run. Last month, I successfully chose my cheap online-broker, the first step of investing the Mus...

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  • Pitch Me If You Can! Startupolic Office Hours Are Back
    Pitch Me If You Can! Startupolic Office Hours Are Back

    As a reader of startupolic.com, you probably know that I’m a big fan of the pay it forward culture. Or said differently, give before you get. Last year, I did a first experiment by giving 30min to any founder (no selection here) who wanted to pitch me her project, or simply ask me some questions about starting up, about lean startup or about how to build a (digital) product. I’ve simply t...

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  • Hack the Local Shops on 19th of November

    Switzerland is more and more active with startup activities. You often hear that the startup scene is nothing compared to renowned European hubs like Berlin or London. Yes, it’s true, at least in term of startups funded, of startups growing  quickly or in terms of successful exits. However, there are a lot things happening, and many new initiatives are popping up almost every week (making...

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  • Ask the readers: in which Swiss bank can I buy the "Swisscanto LLP 3 Index 45 R" third pillar with the lowest commission fees?
    Ask the readers: in which Swiss bank can I buy the "Swisscanto LLP 3 Index 45 R" third pillar with the lowest commission fees?

    After emptying our third pillars for our home purchase, it's now time to find a new one in order to optimize our taxes. I need to find it before the end of the year. Which is why I want to crowdsource my choice decision. Third pillar is one of these tax savings tips that is well known in Switzerland (I'll blog about it in details later on). The less known thing is that you can invest (part of...

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