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POSTAL SERVICE

Swiss postal service earns millions by ignoring ‘no junk mail’ signs

Election flyers and political pamphlets are being delivered to all Swiss households, even those who expressly signal that they don't want to receive any marketing mail, earning the Swiss postal service millions.

Swiss Post signs in Bern, Switzerland.
Swiss Post signs in Bern, Switzerland. The Swiss postal service is earning millions by ignoring 'no junk mail' stickers. (Photo by Fabrice COFFRINI / AFP)

Postal workers are distributing tonnes of political leaflets to Swiss households this election year, popping them through all letterboxes, even those with a Stopp-Werbung (no junk mail) sticker.

While Swiss Post puts its actions down to democracy, Switzerland’s TagesAnzeiger has discovered what may be the real reason: money.

The state-owned company earns almost three times as much if puts flyers in the letterboxes of all households, including those with stickers stating they don’t want to receive advertising material, the newspaper reported.

The paper cites the following examples:

Let’s say, for example, there’s a company that wants to send a flyer weighing between 1 and 25g to the whole of Switzerland and the firm decides to use Swiss Post to do this.

Postal workers observe any ‘no junk mail’ signs on letterboxes and don’t post any leaflets through those households’ letterboxes.

That company would then reach around 1.7 million households and the post office would charge them 250,000 Swiss francs.

Let’s now take a political party that wants to send a flyer that weighs the same as the example above. It wants to send it to as many households as possible in Switzerland.

The postal service offers the party the ‘official’ option, whereby ‘no junk mail’ stickers on letterboxes can be ignored.

Using this option, the number of households receiving the flyer jumps to 4.5 million and the post office earns a healthy 667,000 Swiss francs. 

Consumer advocate Sarah Stalder told the paper that “the stickers are a nuisance for the post office”.

She explained that the service had already undertaken several campaigns to encourage people to remove the stickers.

“The postal service wants to increase its profits by distributing mailshots to a larger number of households,” she said, explaining that this was a step to save the postal business, although she believes it’s the wrong approach.

The Swiss postal service still relies on a contract that dates back over 20 years old to justify its authority to distribute election marketing mail to households who’ve said they don’t want to receive any promotional materials.

But Stalder is concerned about this.

“We are no longer completely satisfied that the wishes of many customers with respect to political advertising can simply be ignored,” she told the paper.

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MONEY

Do adult children in Switzerland have to support their parents financially?

Usually, it is the parents’ responsibility to ensure their kids are well taken care of financially. But can Swiss authorities force the children to return the favour in times of need?

Do adult children in Switzerland have to support their parents financially?

In most cases, once children are grown up and out of the house, they are (or at least should be) self-sufficient in terms of finances.

Parents too should breathe a sigh of relief that they are no longer obligated to pay for their children’s expenses, except perhaps for giving them some money here and there as a gift.

This is what happens in the best-case scenario.

But what if things don’t go according to this plan — for instance, if the parents find themselves in financial straits and can’t  afford to pay their bills?

Family obligations

Generally speaking, the truly needy people who don’t have enough income to pay for their basic living expenses will receive financial help from the government, in the very least in the form of the health insurance and housing subsidy.

READ ALSO: Can I get financial help in Switzerland if I’m struggling to pay the bills?

However, before doling out public money, authorities will see whether relatives should be made to help the struggling individuals pay their bills.

(In this context, ‘relatives’ means only those in the direct line of descent: grandparents, parents, and children.)

They will do it by checking the tax status of these relatives — how much they earn and what other financial assets they have — to determine whether, and how much, they should be paying toward their parents’ expenses.

Obviously, you will be expected to pay up only if your own financial situation allows it; you will not be forced to part with your money if you have very little of it yourself.

 ‘Favourable financial circumstaces’

Based on a Federal Court ruling, if the adult child  lives in ‘favourable financial circumstances’ they are required to help out their struggling parents.

The Court defined ‘favourable financial circumstances’ as income and assets allowing a comfortable life.

‘Comfortable life’, in turn, was defined by the Swiss Conference for Social Welfare (SKOS), as a taxable annual income of 120,000 francs for a single person, and 180,000 francs for married couples.

“If you have minors in your household, the limit is increased by 20,000 francs per child,” according to AXA insurance.

It goes on to say that you can deduct an exempt amount from your taxable assets.

“Your annual depletion of assets is deducted from the remaining amount. This means that if you are obligated to provide financial support, you are permitted to use part of your assets yourself each year; you don’t have to devote your entire assets to providing support.”

At between 18 and 30 years of age, this is 1/60th per year; from 31 to 40, 1/50th per year; 41 to 50, 1/40th per year; 51 to 60, 1/30th per year; and from the age of 61,1/20th per year. 

Are there any exemptions to these rules?

Aside from not having sufficient funds, you could be exempted from paying if, say, your parents, or parent, have not lived up to their own financial obligations toward you.

In Switzerland, parents are required to  provide financially for their children until the age of majority, and even beyond that if they are still studying or undergoing vocational training — typically, until the mid-20s.

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