A little girl kisses her daddy on the cheek in the street in front of Milenia's house.
14.03.2022

The 2022 version of paternity leave. Happy reading dear dads!

The most useful information to know what you are entitled to as a new dad!

 

Dad soon? Let's start with some sound advice.

If your partner tells you she's certain they'll be triplets. Breathe, she's playing with your nerves.

If you're offered a video of childbirth, feign discomfort and walk out the back door.

If you have the latest maxi version LED screen, wrap it in bubble wrap; your little one will probably try to give Tchoupi a hug.

You don't know Tchoupi...? Ah, the happiness of carefreeness... Enjoy it while you can.

And finally, take a crash course in diaper replacement and electric breast pump handling. These are the two items that will occupy your hands for the next 6 months. 

Editor's note: Thanks to magicmaman. In order not to shock the dads-to-be, the gorriest was kept away. 

 

Are you already a dad? You are entitled to parental leave(parental leave) and parental leave. smirk)

And yes, the highest authorities recently decided to grant two weeks of paternity leave to new fathers. We must admit that the average of 2-3 days planned until then was ridiculous as the period after the birth is intense emotionally and physically.

 

Who is eligible?

As long as you are the legal father and have been subject to AHV for at least 9 months, you are entitled to it. This is true whether you are employed, self-employed or unemployed.

In concrete terms, this represents 2 weeks, or 10 working days, to be taken in one block or separately before the end of the 6th month after the birth of your little one.

 

What are the benefits?

You benefit from 80% of your average income up to a maximum of CHF 196 per day. You will contribute on this amount as it is considered income but these days are not taken from your vacation days.

 

2021-2022

The  Federal Act on Compensation for Loss of Earnings was amended accordingly at the beginning of 2021. If you're going to become a dad in the next few days or weeks, you're concerned.

Since the beginning of this year, some insurers have been offering additional cover that not only extends your paternity leave to 4 weeks but also allows you to have compensation equivalent to 100% of your salary.

The rights are also applicable in the case of adoption and the coverage for parents who have to care for a seriously ill child has also been improved. That's the least we can do.

 

And what about employers?

What has just been explained is the legal framework. Nothing prevents an employer from going the extra mile to support new parents on the team.

Some do, many stick to the federal framework.

To take the example of Milenia, a company recently accredited as a Great Place to Work, it has decided to add 8 days to paternity leave... and consequently also maternity leave. This is at the company's expense.

In addition, the days before and/or after the birth can be taken according to the needs of the parent.

Needless to say, this is highly appreciated as free time is counted in the days before and after a birth.

Other companies are taking similar steps. Those that do not react will face a gradual disengagement of their employees as this is representative of the consideration of the needs of the employees. Those who make the effort will see an increase in the employer brand and will be able to attract talent more easily. 

 

Is Switzerland a good student?

Don't exaggerate. Before 2021, Switzerland was at the bottom of the pack. In 2022, we climbed a few steps but we are still far behind many of our European neighbours. This is particularly noticeable when comparing parental leave data, i.e. the accumulation of paternity and maternity leave.

Unsurprisingly, the Nordics offer much more when it comes to support and flexibility. Switzerland is comparable to Belgium, Bulgaria, Poland... but far behind Spain or Portugal. Comparatively, Italy and Greece are among the worst-off countries.

A 'can do better' then. Societal progress sometimes takes time. However, in a modern society that prides itself on being focused on the importance of well-being and work-life balance, it is high time that we tackle this problem head-on to support moms and dads and ultimately provide optimal conditions for our newborns.

 

A loan?

Between car seats, clothes, diapers, bottles, strollers, blenders... A budget is required to equip yourself well. You won't have the time or energy to do it in the days and weeks after your child is born.

True to the principle of responsibility, a birth loan should only be taken out if it is genuinely useful, so wait to see what will be offered to you by your loved ones and make smart purchases.

If, however, you need a helping hand, a personal loan, consider Milenia. In just a few steps, you will be able to simulate the cost of your consumer loan and make your application. Simply and safely.

After all, you'll have other things to do when your toddler joins you home. The first few months are wonderful but oh so tiring. So make your life easier by opting for a financing solution that is simple in its approach, quick in its execution and has no prior financial constraints. 

We'll be there by your side. You will experience intense and sometimes exhausting moments, but the happiness of welcoming your child into this world cannot be rivalled. 

So, if you're reading this article because you'll soon be a mom (or dad), congratulations, take good care of yourself and enjoy every moment!



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09.01.2024
Telecommuting: flop or not?

Since the Covid pandemic, companies have multiplied remote working methods. The most widely used is telecommuting. Two years later, has this method been successful?

 

Let's take a step back

During the lockdown, the world of work experienced a real shift.

Companies had to adapt and various means were put in place to ensure the continuity of services, sales, and the very functioning of the organization.

Do you remember?

The famous cardboard box filled with a computer, a mouse and a screen that the employees took home...

We somehow settled down somewhere in our apartment or our house.

The less fortunate had to sit on an old table at the back of their bedroom.

Children screamed in the background and parents had to juggle their work responsibilities with those of being a mother or father.

Ah... What wonderful memories!

In addition, the schedules became confused. There was no beginning and no end. We were already connected before, but now the workplace had invited itself into our home, into the family, into our home.

However, not everything had to be thrown away.

The doctor's appointment, the receipt of the Zalando package, the visit of the plumber... What required us to take time off or organize ourselves differently simply fit into his work schedule, on site.

Above all, no more time wasted on the road or on the train. We earned two hours of our living every day. That's no small feat...

We weren't the only ones. Hundreds of millions of people around the world, by obligation or freely, switched to this new way of working.

It was necessary to put in place state-of-the-art technological and IT infrastructures to enable more secure virtual exchanges of information via videoconferencing or e-mail.

It was necessary to set up a teleworking policy to give directives on working hours, the availability of employees and managers so as not to be too intrusive in private life.

Finally, regular reviews were required to assess the effectiveness of telework policies and gather feedback from employees.

The big winners? Zoom, Teams, Skype, Webex... It was a good time and the number of users exploded

 

Video conferencing platforms

In order to establish clear and effective communication channels, it is necessary to have instant messaging and video conferencing tools to maintain smooth communication between team members. This transition is being made by different players who bring specificities specific to each sector.

You may have seen that.

Some companies will use the Zoom platform, which allows simple video conferences with a discussion thread, which is easy to use and not very connected to other services.

Others will use Microsoft Teams or Webex, which offer more integrated and secure business solutions.

Skype and Google Meet round out the market leaders, at least in Europe.

 

And what about employers?

The main fear of some employers during this pandemic?

Decreased productivity.

The prevailing thought was that employees, less supervised than before, would work less given this new organizational freedom.

The endless breaks, the last-minute shopping, the Netflix binging...

We're not going to lie, the majority of teleworkers have taken advantage of this to better combine professional and personal needs.

There have been many productivity studies, too many to mention here.

In the end, productivity dropped slightly on average, but this varied enormously depending on the functions and responsibilities.

Profiles whose tasks were recurrent completed their work more quickly and, not needing to do more, to take advantage of the time available to go about their personal business.

Others worked even harder, especially early in the morning, late at night, or on weekends.

Where some managers suffered from a lack of supervision (monitoring?) of their teams; Some employees did not take well to the distance, the lack of clarity on the establishment of rules... All of them missed interpersonal relationships and this may have impacted the corporate culture and sense of well-being.

In conclusion, there is neither one statistic valid for everyone nor a representative feeling of all employers and employees. However, there is no doubt that the world of work has changed and the effects continue today.

 

Exactly. And today?

Companies are adapting to the demands of employees, especially young people entering the workforce.

They demand flexibility, adapted schedules and, yes, telecommuting.

In Switzerland, the job market is in favour of job applicants. Companies must therefore remain attractive and take these demands into account.

Companies are implementing hybrid work modes that allow the employee more time to work from home but require them to be present for a certain number of days in the office. Again, there is no single rule.

Some organizations simply refuse the principle of remote work.

Others impose a fixed day of attendance.

Some leave the choice to their teams.

One thing is for sure, remote work is here to stay, in one form or another.

More than controlling productivity, more than managing teams and workloads, the real challenge is to keep the links between employees, to ensure proximity between managers and their teams.

Finding a balance between the attractiveness of the employer brand, individual well-being and the needs of the company; This is where the effort must be directed for the future.

 

At work and at home, Milenia is always available

Accessing credit through our financing platform has never been easier.

Everything is within your reach, with customization according to your projects, we accompany you from start to finish so that your projects can see the light of day.

For your personal loan, we offer the best market conditions with 0 application fees. Everything is designed to make your life easier.

Your loan application can be done entirely remotely, with support from your personal advisor or both at the same time.

The flexibility, adaptability, personalization of your offer... All of this is embedded in our approach and services.

As the leading credit player in Switzerland, place your trust in us so that your personal dreams and projects come true.

 

 

 

 

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17.01.2022
ompare credit offers. It has to be prepared, it has to be done calmly and it has to make sense.

When it comes to your money and a contractual commitment, there's no need to rush. Here are some tips to help you make the right choice.

 

What exactly are we talking about?

When you want to finance a project, there are various solutions available to you. Credit is a relatively simple financing tool, quick to execute and with a light administrative burden.

For further clarification, a credit is also called consumer credit, personal loan, loan, private loan, etc. This is a loan of a sum of money by a creditor to you, the debtor. The amount in question must be reimbursed within a time limit agreed between the parties. An interest rate is calculated in addition to the principal to be repaid in order to remunerate the services of the creditor, a bank in most cases.

As this is a form of financing that does not require a down payment or guarantee, the rate applied varies according to the amount borrowed, the quality of your file and the repayment period.

Financing platforms such as Milenia are used to offer the best rates on the market and to support you in your efforts. You don't pay anything for this service; The remuneration of these platforms is ensured within the framework of the agreements with the partner banks.

 

Before you compare, ask yourself two questions.

Is credit the right solution for my project?

Am I eligible?

The first question has the merit of judging the relevance and usefulness of your approach. As a responsible service provider, we put your interests at the heart of our attention. Over-indebtedness must be avoided at all costs and your loan must bring real added value and not represent a debt that is difficult to overcome.

Can your project be scaled back? Does your cash flow simply allow you to avoid taking out a loan? Is it the right time?

These are all useful questions that allow you to judge whether or not you need to move forward.

The second question is also important.

Your advisor will be able to support you in this reflection, but you can already eliminate some doubts:

Am I domiciled in Switzerland? If not, you will not be eligible.

Am I of legal age? If not, you will not be eligible.

Am I involved in an action filed in the debt collection? If this is the case, you will not be eligible.

 

One egg, one basket.

If you want to continue with a credit application, don't rush!

Above all, do not file multiple applications with different providers or banks.

Each request is logged and will block your access to a favorable response.

Compare, choose your financial partner wisely and, if the conditions are met, draw up your file with them.

To make a fair choice, take advantage of the service offered by a financing platform. It's online and it's easy.

 

Compare what, exactly?

The quality, the network, the accessibility and, of course, the conditions.

By quality, we mean the clarity of the information provided and the transparency of the platform. 

Are there testimonials from satisfied customers? Is there an independent quality body involved, such as Proven Expert? Is the team running the company clearly displayed? Is the company based in Switzerland?

As far as  the network is concerned, the quality and scope of the network will determine the quality of the offers offered to you. Check the partners page or search for published articles or the platform's blog if it exists. 

It is preferable to do business with a major player in the market that has serious, even exclusive, partnerships with recognized banks.

Accessibility. An online solution is often less time-consuming and just as relevant as if you went to an agency. However, it will be necessary to speak with an expert, go through your file in person and have live advice. 

Be sure that you will be able to access this service.

Lately, the conditions. The rates displayed on the various platforms are often similar. There are criteria to be met, however, and these often make the difference.

First of all, the process until you sign the loan agreement must be completely free of charge! Whether you visit a credit comparison platform or a financing platform, run away if you are asked for a single franc for so-called administrative or processing costs.

Secondly, do not sign anything when you are in a comparative or information-seeking process. Your file must first be well completed and analysed and it is only when you make a credit proposal following the acceptance of your application that you will have the opportunity to sign or not.

Finally, a 0.10% lower rate does not necessarily mean a good deal. All of this must be considered. The quality of your relationship with your advisor, the seriousness shown when drawing up your request, the choice of partners... Confidence and peace of mind knowing that you are in good hands is far more important than a tiny spread in the rate offered.

 

Do you have any questions?

We invite you to inquire via Milenia. You will have the opportunity to simulate your credit, learn about our solutions, get to know our team, ask your questions, browse through our customer testimonials and discover our articles on our blog.

Take your time, compare and when your choice is made, we will be at your side to carry out your project. Under the right conditions, with confidence and transparency.

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Loan illustration: loan of CHF 10'000. Effective annual interests rates between 4.9% and 11.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 624.80. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 11.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)

 

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