Hello all, nice to be with you.
I am Swiss, retired, live like 6 months a year in Switzerland, 4 in Spain and 2 travelling. I got a bit rusty in English, that is the main reason I am here. And of course Phil who does a great job I think.
Please please correct me if you see errors, my English is getting worse. Still fighting with life and live or quiet and quite… 
Looking forward to a good time with all of you. Feel free to ask anything about Switzerland (or finance).
