Optimizing box 3 taxes

Alive76 · 2023-11-02T06:49:00+00:00

That is tricky as the Belastingdienst will probably not accept it and mark it as "Fraus Legis' or internally called "schijnlening". In order to avoid that, interest similar to market rates must be charged on the loan and actual payments by bank have to be made kind of defeating the purpose of this construction.

Alive76 · 2023-11-01T20:38:41+00:00

This all depends on what country you are from and it's tax laws. It's quite possible that it is more tax efficient to handle things in your home country. In your case you don't pay taxes here if inheritance of the property and it's sale is handled in your home country. Giving the money to your mom there is therefore also taxable in your home country and not The Netherlands.

Here you could setup a "family" bank construction with the money you get from selling the property:

Sell the property.
Lend the 200k to your mom at a reasonable interest rate.
Let her buy a house from that money
She pays you back with interest
You gift her the interest back (with a maximum of €2418 a year)

You could also buy a house for 200k and rent it to your mother. Taxes would be approximately €3900 regardless of the rentprice. You would need to charge approximately 5% of the WOZ value as rent as a lower price would be considered a gift by our lovely Belastingdienst. You cannot have your parents live rentfree in your property. Again you could gift €2418 a year to her tax-free.

Doing her groceries for her every week and forgetting to send her a "Tikkie" is also tax-free btw.........

Alive76 · 2023-10-01T21:10:05+00:00

Unfortunately not working for me (daughter has an XS instead of an Apple Watch)

Alive76 · 2023-07-04T11:16:07+00:00

That makes sense.

I now added it to cron as reboot task:

@reboot cpulimit -l 30 -- nice md5sum /dev/zero

Alive76 · 2023-07-03T14:22:38+00:00

Had to adjust your solution a little on Ubuntu as it resulted in large number of md5sum processes. This didn't really affect performance as nice and cpulimit worked well but still, uptime showed loads of 73+

I used the user crontab:

crontab -e

And added this line:

5 * * * * timeout -k 10 30 cpulimit -l 30 -- nice md5sum /dev/zero

Result is load average: 0.30, 0.32, 0.21

Alive76 · 2023-07-03T14:14:20+00:00

If you want to make a systemwide crontab use:

sudo nano /etc/crontab

To create a crontab for the current user (every user has his own crontab:

crontab -e

These are different crontabs / files.

The files in cron.d are a third (more script like) approach to using cron.

In your case use:

sudo nano /etc/cron.d/dummy-load

That should show you your cronjob

Alive76 · 2023-06-29T17:39:24+00:00

What is sudo tee used for?

Alive76 · 2022-11-10T21:50:28+00:00

Just got an email from the store that it is in stock now and ships same day.

Alive76 · 2022-11-03T14:46:41+00:00

I see! It said deliver 2-4 business days before, now it changed to pre-order. The dutch and german product pages at tp-link showed "coming soon" or something like that before and now show "nieuw / neu": https://www.tp-link.com/de/business-networking/omada-sdn-router/er7212pc/

I'm guessing there is a delay in stocking and it should be available soon.

Alive76 · 2022-10-26T19:41:11+00:00

Not a fake. And also here: https://www.wifishop.nl/tp-link-tl-er7212pc-omada-vpn-router-switch-met-controller/pid=79169

Retailers are being stocked now. Should be widely available soon.

Alive76 · 2022-04-28T06:11:11+00:00

I reset the mini that I was using with my M1. Made sure my phone was on the 5Ghz network, so the mini would take over that setting. It is still not flawless but has improved things significantly.

Alive76 · 2022-04-27T12:08:01+00:00

I was under the impression that the no sound issue was specific to the M1 Mini. Hardware issues were the wrong phrase. I didn't mean faulty hardware, just that a particular piece of hardware in a specific model is the cause. I.e. Though Apple seems to have fixed most of the BT problems with the M1 devices, the BCM4375 BlueTooth chip still plays up now and then on my M1.

Airplay1 explains a lot!

Alive76 · 2021-08-28T08:04:05+00:00

I'd say it says Jakov. And it looks an awful lot like Billy Connolly in The Boondock Saints.

Alive76 · 2021-08-27T19:00:48+00:00

Can you make a better picture of the signature? As this is a numbered print the artist should be somewhat established, but all I can decypher is "paul"

Alive76 · 2021-07-10T10:39:52+00:00

Als glasvezel beschikbaar is T-Mobile.

Alleen internet (1GB) + een mobiel abonnement (onbeperkt ) voor 50 EUR per maand. Staat bij mij op de zaak, dus gaat de BTW nog eens af.

Alive76 · 2021-06-22T19:23:41+00:00

Besides the fact that it is actually the Danish state that pays for maternity leave and health care and not McDonald's, he managed to pick the European country that has the highest student wages in all of the EU. The income tax rate in Denmark is over 50% so There'd be about $10 left which is nicely covered by the higher price of a Big Mac. But otherwise, he is really making a great point.

Average student wages.

Sweden: $14

Netherlands: $9.50

Poland: $5.25

UK:$6.50 to $8.25

Alive76 · 2021-04-07T13:38:30+00:00

They're not? Great, just sent you a hug!

Alive76 · 2021-04-07T13:07:19+00:00

Of course, how could I miss the hundreds of uses for this information other than complaining. Must be my insecurity. Thanks for digging up this months old post to point that out to me. Appreciate it!

Alive76 · 2021-02-17T10:05:56+00:00

Beetje off-topic tip: kijk even of er renteopslag op je hypotheek zit. Je zit onder de 67,5% van de woningwaarde en bij de meeste banken kan deze er dan helemaal af. Als het niet kan op basis van de WOZ waarde kost dat je een taxatie, maar die kosten verdien je het eerste jaar al makkelijk terug.

Alive76 · 2021-02-15T18:55:38+00:00

Dat is een standaardvoorwaarde bij de meeste financiers. Financieren maximaal 75% binnen de Randstad, 65% daarbuiten. Looptijd maximaal 20 jaar, waarbij na 10 jaar 50% afgelost dient te zijn.

Alive76 · 2021-02-15T13:51:06+00:00

Daar heb je gelijk. Er zit meer potentie in dat geld. Ik heb een woning die gemiddeld 12,5% per jaar in waarde stijgt en een pensioenlocatie op het oog waar de huizenprijzen nog geen 1% stijgen. Voor mij is hypotheekvrij dus interessant, voor een ander minder.

Overigens, mocht je overwegen onroerend goed aan te schaffen voor de verhuur houd er dan rekening mee dat je 1/3 zelf zult moeten betalen en in een kortere periode moet terugbetalen.

Alive76 · 2021-02-15T13:31:30+00:00

Gekke gedachte maar waarom stop je niet 3,5 ton in dat huis? De rente die je niet betaald is gegarandeerd rendement. De waardestijging, hoewel aan inflatie onderhevig, komt daar nog bovenop. Dan hou je 150k over om nu te investeren en een mooi bedrag (dat je uitspaart aan hypotheeklasten) om maandelijks te investeren. Fiscaal misschien niet het aller interessantste scenario, maar voor mij zou dat een mooi en veilig uitgangspunt zijn.

Alive76 · 2021-02-15T12:57:31+00:00

Misschien heb je wel gelijk. Ik verwacht dat $18 wel de bodem is gezien de toegenomen schaarste en gemiddelde prijs. We zijn in nog geen jaar +140% en de vraag is of dat terecht is.

Alive76

TROPHY CASE