u/kulashaker28

I need to get the length of my curtains shortened. Does anyone know a good place to get it done in Lucern?

What card are you using for travel outside Europe? I currently use a UBS debit card, but the fx markup seems quite high so I am looking for alternatives with better exchange rates and low fees when paying in foreign currencies. What are people here using?

Edit:
Thank you all for your responses. Based on what you have told me I have researched the options and ranked the top 3 premium offers. Obviously the ranking is based on my needs and may not be the same for all.

1: WIR (Bankpaket Top): Using interbank rates with 0% markup and has 24 free foreign ATM withdrawals per year. CHF 0 per month if paying for a one time CHF 200 cooperative share or salary deposit. Swiss Deposit Protection included.
2: Neon Metal: CHF 150 per year. No charges on card spending or ATM withdrawals abroad. Comprehensive travel/cyber insurance. Swiss Deposit Protection included.
3: Wise: Best as a pay-as-you-go option. No monthly subscription. Using mid-market rate but charges a transparent ~0.45% fee per transaction, making it slightly more expensive compared to Neon Metal or WIR. No Swiss Deposit Protection included.

I am planning to move to Belgium in January 2027, and wanted to double check my understanding of the Belgian tax system. Currently living in Switzerland.

Most of my savings are in an unlisted 100% accumulating global index fund (approx. €5 million). They are held directly in an account with a foreign fund manager which is not registered in Belgium (it is not a standard commercial brokerage account). Not planning to sell anything in 2027, and there are no dividend payments.

I have a holding company (approx. value is €1,5 million) which is 100% owned by me, but managed entirely abroad (by family members) without my involvement. No dividend payments planned.

Cash and interest (approx. €300k cash). I may have €10K in interest in 2027 (held on foreign bank account).

This is my understanding of the taxes I need to pay:

• Tax on Securities Accounts (TACT) €15K (0.30% on the €5M fund account. Assuming the account which is with the fund manager directly qualify as "securities accounts". The €1.5M holding company shares are not subject to tax.)
• Capital Gains / TOB / Reynders Tax €0 (no redemptions planned in 2027, and the fund is 100% equity).
• Tax on Interest: €3K (30% tax on the €10k interest).
• Total 2027 Tax expected (if this scenario holds): €18K

Questions:

• TACT Scope: Does an account held directly with a foreign fund manager (outside a bank/brokerage) strictly trigger TACT, or are direct registry accounts treated differently?
• Reporting: Beyond self-declaring foreign accounts and reporting foreign interest / TACT on my tax return, am I missing any passive holding taxes or compliance steps?
• Anything else I have missed or need to be aware of?

I have heard that the smartwatch VO2 max estimates can be off. Has anyone done a propper lab test, and if so, how different was it to your smartwatch estimates? In my case, my Garmin tells me its 54 (51M) which seems almost to good to be true. I run a lot, but not a competitive athlete.

I have heard that the VO2 max estimates on Garmin can be off. Has anyone done a propper lab test, and if so how different was it to your smartwatch estimates?