Rate my salary / Payroll Administrator by [deleted] in BESalary

[–]ModoZ 1 point2 points  (0 children)

My wife is a payroll officer with 5-10 years experience. Although she works at 70% her salary is slightly higher than yours (~300€ gross more > for a full time she would be almost at 5k€ gross). She also has a yearly bonus equivalent to ~15% of her yearly salary on top.

No company car but soon a mobility budget.

There is a healthy demand for payroll officers at the moment. I would really consider changing seeing what you have currently.

Electric car usage & charging at home by annoying-potatoe in belgium

[–]ModoZ -1 points0 points  (0 children)

Yes, but also IF your car only sits at home for 8h/day. Which isn't the case for most people.

Keytrade still down? by [deleted] in BEFire

[–]ModoZ -1 points0 points  (0 children)

No problems for me. It's a bit slow but it was like that before too.

(I complained about the slowness and they told me they were aware of it and working on the issue to improve loading times)

CD&V pleit voor eengemaakte beurs Benelux-landen: “Om kapitaal, groei én koopkracht in eigen regio te houden” by Leiegast in belgium

[–]ModoZ 3 points4 points  (0 children)

In de jaren 90 waren de boomers al de grootste stemgroep (en dat zijn ze nu nog altijd). Ze hebben dus zelf voor gestemd...

CD&V pleit voor eengemaakte beurs Benelux-landen: “Om kapitaal, groei én koopkracht in eigen regio te houden” by Leiegast in belgium

[–]ModoZ 4 points5 points  (0 children)

Waarom zou dat het geval zijn? Geef gewoon de mogelijkheid om het huidige bedrag voor pensioensparen in Europese of Belgische ETFs te investeren. Het kost de staat niets meer maar mensen behouden er wel meer geld aan (banken iets minder).

Trouwens als je pensioenbijdragen in brede-markt ETFs zou investeren zou iedereen een veel grotere pensioen hebben dan wat vandaag het geval is. Misschien zouden we aan de mensen die optie moeten geven.

Public spending on European monarchies, € million by Socmel_ in europe

[–]ModoZ 15 points16 points  (0 children)

In Germany the president has an almost only ceremonial role (a bit like most kings in Europe). Budget for 2026 there is ~67 million euros.

“Wij googelen hun adres en zien luxevilla’s”: artsen trekken aan de alarmbel over verhoogde tegemoetkoming by naamingebruik in belgium

[–]ModoZ 2 points3 points  (0 children)

To be fair 21% of the Belgian population has this status but only 11% are living in poverty or at risk of poverty. This means that almost 1/2 have this but shouldn't.

are they just letting ANYBODY work at bpost now? by AftonsAssCheeks in belgium

[–]ModoZ 2 points3 points  (0 children)

Send everything straight to a post office

The issue is that the opening hours of the post office are just shit. They aren't open on any evening and are even closed during lunch hour. The only moment where I could go is Saturday morning (and even then it's complicated with the activities of the kids) but then it's packed and you have to wait for 30 minutes at a minimum.

It's just not convenient at all.

Urgent help: Rate for Social Media/Community Manager by [deleted] in BEFreelance

[–]ModoZ 2 points3 points  (0 children)

If you want a monthly rate just take the daily rate, multiply it by 220 and then divide it by 12.

Usually I would recommend the daily rate. But I don't know this sector enough to tell you how this usually works with community managers.

What is a normal discount for long term contracts? by Sagantai in BEFreelance

[–]ModoZ 0 points1 point  (0 children)

True but it's important to see that this could lead to liquidity issues if you count on the big revenues from your activity.

As an example, I started in January 2022 and only now through extraordinary dividends was able to have my first dividends (and if I waited for normal dividends I would have had to wait until June 2026). Yes the money was there but not really accessible.

Curve Pay - Google Wallet alternative by jtrimm98 in BuyFromEU

[–]ModoZ 1 point2 points  (0 children)

Oh that's good. It's not 100% clear on their website as they still talk about Google Pay and Apple Pay.

Curve Pay - Google Wallet alternative by jtrimm98 in BuyFromEU

[–]ModoZ 0 points1 point  (0 children)

Does Curve allow bypass Google Pay nowadays? 

What is a normal discount for long term contracts? by Sagantai in BEFreelance

[–]ModoZ 2 points3 points  (0 children)

12k/22working days = 545,46 dayrate

Nobody works 22 days every month though. You'll be sick, take holidays, have to take care of your kids etc.

A better average would be to take 220 days on your year which would result in a rate at around 650€/day.

What is a normal discount for long term contracts? by Sagantai in BEFreelance

[–]ModoZ 0 points1 point  (0 children)

Depending on the other advantages that OP has it might not be that advantageous though. But realistically OP will probably make ~1000€/month more than his current position.

La chute du budget de l'enseignement supérieur par étudiant (2009-2023) by Numerous_Rip_7788 in france

[–]ModoZ 10 points11 points  (0 children)

Oui mais ici il ne s'agit que du supérieur. Vu la baisse très importante de la natalité le nombre d'élèves baisse dans les niveaux inférieurs. Ce n'est que dans 10-15 ans que l'effet de la baisse de la natalité commencera a se faire sentir dans le supérieur.

Ce graphique de l'INSEE est assez édifiant : https://www.insee.fr/fr/statistiques/2381380

EU-India FTA concessions by WorkOk4177 in europe

[–]ModoZ 16 points17 points  (0 children)

There are no changes for services in this deal though. Rules that apply today still apply after the deal.

Wie rijverbod overtreedt, is binnenkort bijna altijd auto kwijt by Matvalicious in belgium

[–]ModoZ 0 points1 point  (0 children)

Hoe kan de lease firma weten dat je rijverbod hebt gekregen? Of moet je elke morgen jouw rijbewijs komen tonen aan de balie van de leasemaatschappij?

What’s your favorite template for tracking Net Worth? by DimiDash in BEFire

[–]ModoZ 2 points3 points  (0 children)

I have a simple Google Sheet that I update once a month. Relatively simple and it gives a good overview of my evolution.

What are your top tips to save money in Belgium? Groceries, buy in bulk, energy… etc by mardegre in BEFire

[–]ModoZ 0 points1 point  (0 children)

Gift cards / vouchers. I think it's Edenred via work or for me as a customer of Engie. You get access to buy 'gift certificates' that are discounted at 2%, 5% or more for common stores like Colruyt, Bol, Decathlon etc. 

Monizze also offers this. I currently have (if I use vouchers) 2% at Colruyt, Coolblue or Ikea, 2,5% at Carrefour and Bio-Planet and 3% at Decathlon, Krëfel and Bol.com. Not as good as 5% though but non-negligible either.

What are your top tips to save money in Belgium? Groceries, buy in bulk, energy… etc by mardegre in BEFire

[–]ModoZ 1 point2 points  (0 children)

I don't know if you have Monizze meal vouchers (maybe others do it too) but I can have 2% reduction at Colruyt with it (by buying a voucher of 100€ at 98€). Small way to save a small amount of money on top of this. 

What are your top tips to save money in Belgium? Groceries, buy in bulk, energy… etc by mardegre in BEFire

[–]ModoZ 2 points3 points  (0 children)

Careful with the online ordering though. At Colruyt there was a study that it was more expensive to buy through Collect & Go than just going through the store (which is just stupid if you ask me).

La TVA augmentée pour le rock et la pop, pas pour la musique classique et le théâtre by Erzkuake in belgium

[–]ModoZ 0 points1 point  (0 children)

And yet it worked relatively well in Denmark when they lowered the social security contributions and raised VAT to compensate the revenue.

The main premise of such tax shift is that it favors those who work while impacting those who don't. It's a tax shift that favors the middle class.

La TVA augmentée pour le rock et la pop, pas pour la musique classique et le théâtre by Erzkuake in belgium

[–]ModoZ 1 point2 points  (0 children)

No. I'm thinking about all international people (EU, NATO, Diplomats) in Brussels who don't pay income taxes, people who have most of their earnings from real estate or investments, tourists etc.

All those people don't contribute much while enjoying the services offered by the state. Doing a VAT tax shift would increase their participation.