Dominique has her office at Milenia in Conversion.
09.05.2022

Interview with Dominique Loparco: When enthusiasm and perseverance overcome the effects of an invisible disability.

Touching and sincere interview with our colleague Dominique, who was struck by an extremely rare disease and who, by dint of tenacity and the support of his loved ones, was able to overcome the constraints imposed by his disability. 

 

The interview takes place remotely but after reading the answers to the questions asked, you don't need to see Dominique to feel his emotion and determination through his words.

 

Dominique, it's your turn.

My name is Dominique Loparco. I am single and 43 years old. My roots are Italian but I was born in Morges. 

St-Prex is my favorite place. I am a true child of this wonderful village where I have lived almost forever!

My favorite hobbies? Hiking, the mountains, nature, cycling, my garden and the pleasures of the table with a soft spot for good wines. 

 

You want to share your story. What for?

Because I want to help people who are going through the same difficulties as me. Because it's possible to make a successful career change! That's the message I want to convey.

Also, you can never succeed alone. I have been able to count on the understanding and generosity of people who are dear to me. He won't want me to quote him, but my boss, my friend, Jérémie, is one of those people.

It's my way of saying thank you and helping others. The AI also supported me in my efforts. Without the empathy and understanding of my employers, past and present, and without the help of AI, my motivation would not have been enough.

 

What happened? What was the disease that turned everything upside down?

Almost overnight, when I was 33 years old, I started to have hearing problems. After analysis, it was determined to be Cogan's disease.

It's very rare, for a lot of ENT patients I was the first case.

It is a syndrome that attacks hearing, but not only. It also affects my eyes and my balance. It is a degenerative autoimmune disease. It's a daily struggle...

 

How much has it impacted your health? What are the solutions?

I understand the question. It's normal, our instinct is to calculate, to turn to statistics and to aim for a positive outcome, a treatment that will solve the problem.

But there's nothing we can do. Today, at least. There is no miracle cure. Believe me, I spent a lot of time with specialists and at the CHUV. Maybe one day, but now, as I speak to you, it's about facing and fighting.

The effects are manifold. Being an inflammatory disease that causes non-syphilitic interstitial keratitis, I experienced severe vertigo. My inner ear was affected, and I had to see a specialist physiotherapist as I could no longer walk straight. 

In addition, I have hearing loss that quickly progresses to deafness. 

At first, I suffered from nausea and even vomiting. 

For 10 years now, I have also had to deal with tinnitus that resonates 24 hours a day and ataxia. 

All of this is quite similar to the symptoms of Meniere's disease.

Keratitis may improve with corticosteroid treatment. I'm working on it. 

On the other hand, I lost the right ear (implant) and the left one is at maximum 10% of its capacity.

The work is therefore that of the available treatments, of taking the necessary initiatives to improve one's quality of life and of working to retrain in order to remain an active member of professional life and to take pleasure in it. It's not easy, but it's possible!

 

Thank you for sharing Dominique. You were talking about staying active and participating in a collective project through work. So this was the case before the announcement? What was your reality before? How did you experience the transition? What about your loved ones? 

I was an insurance advisor, and the impact was considerable!

It happened from one day to the next...  It's like I've had my wings clipped! 

You know, I'm a smiling person who loves people and human contact! I'm very sociable, so it was hard... It took many years to digest this, grieve and learn to live differently...

It's an invisible disability and people (my loved ones, my colleagues...) forgot that I couldn't hear. We are perceived as "normal" but in fact we are not...

This has caused enormous difficulties in my professional and private life!

Socially it was very difficult... I often felt sad and excluded!

Imagine for a moment being in full possession of your means and becoming hard of hearing, losing your senses, little by little. I was angry because it's frustrating knowing that there's nothing you can do... 

I've tried everything. At the medical level as well as with alternative medicine. Nothing worked.

My loved ones suffered too! Seeing my evolution has been very hard for them to bear. They adapted and did their best! 

They try to take my situation into account. For example, they always ask me where I want to sit. It is important to know that the moment at the table is daunting, especially in cafes and restaurants. The noise is hellish because hearing aids amplify sounds.

 

You were talking about your professional life as an insurance advisor. What was your employer's reaction? 

My employer at the time was very understanding and supportive during work and during my short and long absences.

I used to work in customer consulting; A space where you have to listen. As you can imagine, a professional must listen to the needs of his interlocutor, and I was simply no longer able to do so.

Phone calls and interviews were becoming too complicated. 

I remember my last appointment. The room had a high ceiling and it resonated. Plus, it was in English. I had a hard time understanding my client. Luckily, I knew him, and he showed me a lot of empathy... 

When I left his office, I started sobbing out of helplessness.

Given the situation, I had to stop. My employer was no longer able to keep me. Fortunately, the AI intervened quickly.

 

What does their intervention involve?

As a result of my disability, they quickly took care of the purchase of my hearing aid. As my hearing deteriorated, other devices were purchased. The IV systematically covered the costs incurred. 

The same applies to the costs related to my cochlear implant surgeries. 

At the professional level, they allowed me to retrain by supporting me with training. I was interested in marketing and wanted to learn. 

So I went back to school!  

With the help of AI, I was able to get microphones that I could give to teachers and students and thus follow the lessons.

It was tiring to listen, concentrate, pay attention and take notes at the same time but fortunately, the live transcription by the RTS TXT team  saved me!

Transcribing saved me energy because I could read, and it allowed me to take less detailed personal notes.

Other investments taken care of are instruments such as microphones and my glasses. 

 

So the IA helped materially. It's appreciable indeed.

Yes, but they also followed me to my next employer. I was able to work in marketing for Purina from Nestlé to La Tour-de-Peilz. The IA held meetings with my employer to take the temperature and assess the progress of my work.

My counsellor has always been there. She has been very supportive of me in the context of my career change. I am very grateful.

And then, the Milenia adventure began!

 

How did this opportunity come about?

Thanks to Jérémie Monney, the company's CEO. A long-time friend, we talked and he was looking for reinforcements for his team because the company was growing.

He's the one who gave me this chance! I can't tell you how grateful I am to him.

The fact that I work in a team, surrounded by caring people, does me a world of good. The fact that I also bring my professional value to the company makes me particularly proud. We end up talking about pretty simple things in each other's lives and yet, because of my disability, it makes all the difference.

 

What is your role within the company?

I'm a junior digital marketer. By talking with Jeremy and the AI, I was able to adapt my hours to work part-time, in the mornings.

Thanks  to my hearing aids and  various work instruments (AVA and microphones ), I am able to do my job properly.

Before I arrived, Jeremy informed the whole team about my situation and how to communicate with me. Talk to me face-to-face, articulating and with the right voice.

I feel lucky and privileged at Milenia's! 

It's a pleasure to share my daily life with this wonderful team!

They welcomed me as one of their own and integrated me very quickly. They are patient and smiling, which is precious to me. 

Milenia has also bought AVA which is an application that can be had on the phone and computer and provides deaf or hard of hearing people with a live subtitling solution for all situations such as meetings, videoconferences...

We also have a loudspeaker for conferences and I have positioned myself in a strategic place in the offices; which helps me to anticipate moments of contact.

 

What is your message to people in your situation? They must recognise themselves in some of the difficulties mentioned, but what are the opportunities to be seized, what is the message you want to convey?

First of all, I would say that I am available if they want to chat with me. They can get my email address on Milenia's website.

Personally, I like to interact with the hearing-impaired community in order to share the experiences of our everyday lives.

Plus, we're always learning tricks from each other.

Then, I would advise, whatever your disability, to get information from the various associations. This is important because they can provide support and solutions.

You should also contact the IV and your advisor. They listen to you and it's important to express how you feel!

A word of advice for hearing people. I suggest that you put on the hearing aid of someone you know who is hard of hearing. You will have a better understanding of some of the effects. 

Finally, I really want to raise awareness because behind our smile... There are a multitude of difficulties that we don't see because it's a disability that is invisible. The empathy, support and generosity that I have been fortunate enough to receive are essential.

Retraining is possible. With the right efforts, the right technology and a supportive environment, it is possible to flourish and (re)find your place and your added value!



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27.04.2022
Do you need a personal loan? What guarantees will need to be provided?

You may not have the collateral you need to obtain consumer credit. Is this really a concern? How to do it?

 

Remember your first time?

You put on your best suit or dress to visit the person who will have a huge influence on your life and plans. You're kind of going to meet your significant other. 

The appointment is set, the address where the 'date' will take place is known and you are not sure what to expect.

The date goes as you hoped, the charm works. And then comes the fateful moment, the question that will decide the rest of your meeting... 'What guarantees do you have so that we can review your loan application?'

The cold shower, the atmosphere changes abruptly... You were simply hoping to benefit from financial assistance for your project and you realize that without funds, without goods, without a contribution... This will be more complicated than expected.

As everyone knows, in order to benefit from a bank loan  , you need to present assets in return. The system is thus set up and serves as a margin of safety that allows our financial institutions to take as little risk as possible in granting a loan. Is that fair? Is it romantic? It's simply a give-and-take game.

 

Will history repeat itself?

It all depends on your need. There is indeed a form of financing that does not require any contribution or even the slightest commitment before the contract is signed.

This form of financing is private credit. No need to advance a sum, no need for collateral, no need for guarantees from a third party.

All you need to do is be domiciled in Switzerland, be of legal age and have a file that meets the legal standards in force. 

Of course, additional acceptance criteria are applied once your application has been submitted. Each bank has a set of rules that will need to be agreed to in order for you to benefit from a favorable review. It is therefore essential to gather all the supporting documents to maximize your chances.

Apart from that, there are no guarantees, no advances, no collateral... is not required beforehand.

 

What's the catch?

There is none. A financing platform such as Milenia puts together your file by simply making sure that your budget is in line with the amount requested. It's about presenting you with a responsible and repayable loan. It's as simple as that.

Do I still need to provide documents?

Yes, it is essential to put together an application that meets the established criteria. Repayment capacity, indebtedness, marital status, ZEK and CRIF history, etc.

Is it a cumbersome administrative procedure?

Absolutely not. You will be accompanied and advised. With just a few steps, all the necessary documents are gathered and you will receive a financing proposal within 24 hours. Are you happy with the conditions? Your money is paid out immediately after you sign the credit agreement. It's simple and it's fast.

 

Does it work to buy a vehicle? To finance a furniture project? To pay for my studies?

Yes, yes, yes. The advantage of a loan of this type is also your freedom to use the borrowed funds according to the need you encounter.

Not a fan of the leasing principle  ? You can buy your car in cash. The vehicle is fully yours, you are free to resell it whenever you want, you are not tied to a specific garage or dealership and the type of insurance policy taken out is at your convenience.

Need to renovate your apartment? No need to go through a mortgage. In order to circumvent the complexity of this type of arrangement, a personal loan is indeed an attractive solution. Of course, it all depends on the amount involved, but the simplicity of a loan application combined with the fact that you do not have to pre-finance a loan is very attractive.

Are the registration fees for your studies high? Credit can help. When you're just starting out in the workforce, which is the case for most people entering higher education, needless to say, you're not immersed in cash. As long as your approach is balanced and well thought out, access to a personal loan makes things a lot easier. This way, you can devote yourself fully to succeeding in your academic endeavours!

We repeat; As long as the credit solution is balanced and respectful of your personal and financial reality, it is undoubtedly the least restrictive and easiest to carry out financing method available on the market.

 

How do I do it?

It's easy. All you have to do is go to a financing platform, make a simulation including the amount, duration and the expected interest rate. You will then be contacted for an exchange allowing your personal advisor to further your query. Once the required information has been gathered and you give your consent, your request will be sent to one of the partner banks that is best able to respond favourably.

The contract will then be sent to you. After signing, the amount is paid into your account. Your personal advisor will guide you from the beginning of the process to the receipt of the funds. 

One last thing, not only will you not be asked for any guarantee, but there will be no application fees or remuneration required for the management of your file. This is taken care of by the bank. So don't rely on organizations that charge application fees, study fees, or commissions for advice. You don't have to pay anything upfront to your advisor or the financial institution.

In the end, it's not a romantic approach but at least it's better than your first time!

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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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23.08.2022
You can't get a personal loan in Switzerland. Foreigners as an alternative? It's not the right question to ask yourself and we'll explain why.

When you are denied a credit application, it can be frustrating. It could be that your project is blocked or that you can't get out of debt... Is applying for a loan in France for example or online on a foreign platform a solution? No. First, you need to ask yourself the right questions.

 

What's it like in Switzerland?

The rules in Switzerland are clear and transparent.

A first set of conditions is the need to be of legal age and to reside in Switzerland. Your nationality doesn't matter. If you are over the age of 18 and have the appropriate licence, you are eligible for a loan.

There are rules around your financial capacity. Measures taken by financial institutions leading to over-indebtedness are prohibited in Switzerland. It is therefore essential to study your budget situation and make sure that you have the necessary resources to meet the repayment of your loan.

In addition to these conditions, databases accessible by the lending institutions contain your personal history. Bankruptcies, late payments, outstanding loans, legal troubles, lawsuits...

If your file is well put together and the databases do not prevent the completion of your credit application, you still have to choose the most appropriate solution for your needs. Term, rate, monthly payments, financial partner are all key elements to consider.

 

El Dorado abroad?

If you don't meet the minimum requirements in Switzerland to take out a personal loan, you may be tempted to try to get a loan abroad.

It should be noted that similar rules apply. In France, for example, you will have to present your residence permit or even prove that income is generated locally and collected on accounts established in the country.

Established organizations are generally reputable and will be able to tell you the reasons for refusal. They are also required to comply with standards in place in the field of consumer credit and must comply with national and European rules.

Also beware of exchange rate fluctuations. This can certainly work in your favour, but the opposite is also possible and any risk factor should be avoided when you go into debt.

Application fees are also often applied. The amounts vary, but be aware that any responsible and professional financing platform in Switzerland will not apply any charge related to the processing of your file.

Recently, regulatory authorities such as FINMA have only been supervising Swiss companies. One of FINMA's tasks is to ensure compliance with sector-specific and ethical rules to protect industry players and their users. Working  with a foreign platform, with no recognized affiliation and which promises you mountains and wonders is a risk not to be taken!

 

The real question!

Why couldn't I get a loan agreement? 

Often, it is a case of  actual or potential over-indebtedness.

You may not have enough financial room to cover your day-to-day expenses and the repayment of an additional loan.

In itself, this is not a big deal if the result is the simple time lag of your project. Maybe it's just a matter of thinking smaller and adjusting the amount involved? Be careful, however, not to carry out multiple tests with various organizations because the history of your applications and the resulting refusals are recorded and do not serve your interests.

More complicated, your financial situation is such that you are already in a situation of over-indebtedness. The key is not to take out extra credit to get by. You need to negotiate with your creditors to establish a repayment plan that avoids litigation and takes into account your personal means. There are organizations that can help you with this type of approach.

At worst, you're on a bank list, already facing prosecution... Nothing is insurmountable, but it is clearly a question of cleaning up your accounts, reviewing your charges downwards and doing your best with the authorities, your creditors, your banking partner or even your employer to put in place a plan that will allow you to get your head above water. Credit is not a solution in this case and even less so via foreign organisations which may not have the right reflexes when they 'advise' you.

 

How do you do it?

As you can see. If the conditions are right, the safest, most fairly regulated and most transparent way is to draw up your credit file with a partner based in Switzerland; a partner who knows the legislation and has local experience.

If you're denied, the right question is why. Moreover, a serious financing platform will quickly inform you of the viability of your file. All you have to do is provide the right information in complete transparency. How much does this service cost? Nothing. You are therefore not taking any risks and you will be informed of the reason for a possible refusal.

What to do next? As previously advised, take the bull by the horns. Don't wait. Make sure you are supported in your over-indebtedness efforts and do not increase your deficit.

 

Milenia

As a financing platform based in Switzerland and with an excellent reputation, we will be able to guide you, free of charge, in the preparation of your credit report. Responsibly, ethically and transparently.

All you have to do is simulate your application and meet the conditions for obtaining a favourable opinion. If your financial situation is healthy, your personal advisor will be able to offer you the best conditions on the market thanks to our extensive network of banking partners, all of whom are recognised and approved by FINMA. 

Your trust deserves serious care, free of charge, without commitment and dedicated to making your life better. 

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Loan illustration: loan of CHF 10'000. Effective annual interests rates between 4.9% and 10.95% over a 12 month period lead to total interests of between CHF 261.80 and CHF 615.20. Duration: 6-120 months; Maximum annual interest rate (including all loan handling costs) 10.95%. Loans approval are prohibited if they lead to excess debt for the consumer. (Art. 3 LCD)