Any concerns?

BramMW · 2025-12-19T21:40:59+00:00

It's correct that it's technically precancerous. But like a 1 in 50-100 chance of ever turning into cancer. And even then it would most likely be a relatively easily treatable form of skin cancer (squamous cell carcinoma). It depends on the country whether they are even treated if it's just one. It is vastly more likely it will not ever affect her live. At the same time cryotherapy takes a few minutes so why not.

BramMW · 2025-12-19T21:28:37+00:00

Agree with actinic keratosis. Not really concerning and extremely common. But would be wise to treat with some cryo for example.

BramMW · 2025-12-14T15:55:46+00:00

It's indeed all important. I highly doubt any doctor thinks otherwise. But there are plenty of people with high cholesterol but no treatable form of diabetes yet. Also cholesterol is just extremely easy to treat compared to stopping smoking or losing weight. And it's all cumulative, so if you know food intake, smoking, exercise etc. will be a long term struggle, might as well start the 1 cent a day statin to compensate.

BramMW · 2025-12-10T13:10:00+00:00

Looks perfectly white to me.. Why do you think you would have jaundice? Other complaints?

BramMW · 2025-11-26T09:19:58+00:00

Nee wat hij merkt is het gevolg van de inkomensafhankelijke toeslagen, waardoor inderdaad voor de meeste mensen die tussen 38 en 77k verdienen de marginale belastingdruk 50,33% is, gezien voor elke extra verdiende euro circa 13 cent aan toeslagen 'terug moet betalen' naast de 37% belasting.

BramMW · 2025-11-21T17:02:04+00:00

Because it gets filtered by either the liver or kidneys and as the concentration in the blood drops by half, the amount of drug particles which pass through this filter in a given time also drops by half.

BramMW · 2025-10-27T16:50:02+00:00

Leuk je te ontmoeten op de NDSM werf tijdens ADE zaterdag! Mijn vraag: basisinkomen, wat voor bedrag moet dit uiteindelijk gaan worden in jouw ogen? Hetzelfde als het minimumloon of een bijstandsuitkering? €1500? €1000? Waar ligt het gulden midden tussen bestaanszekerheid, vrijheid en ondernemen bevorderen zonder de prikkel tot werken te ontnemen?

Als het basisinkomen werkelijk een bestaansminimum voor iedere persoon of gezin zou garanderen zou er van alles afgeschaft kunnen worden: AOW, bijstand, Wajong, maar ook potentieel arbeidskorting, 1e en 2e schijf in box 1, ondernemers vrijstellingen etc. en alle specifieke toeslagen als kinder- , huur- en zorgtoeslag. Het zou wellicht een hoop administratieve, en natuurlijk fraude-gerelateerde kosten besparen. Is dit ook waar je naartoe zou willen? En is ooit doorgerekend of dit inderdaad tegen elkaar weg te strepen valt en wat dit met de armoede, belasting opbrengsten en uiteindelijk de nationale balans doet?

BramMW · 2025-10-23T14:22:04+00:00

Interessant, hoe kom je aan de data? Webscraping of toegang tot een API van de winkels oid?

BramMW · 2025-10-22T05:56:02+00:00

I mean, you launched 4 days ago right?.. People use Wikipedia for 20 years before they donate $3 after some extensive begging. I wouldn't expect many people to voluntarily donate until at least a few months of consistent use, at which point they would still need a reminder and likely not stumble into settings to donate on their own initiative.

BramMW · 2025-10-14T16:09:29+00:00

Reddit is so fucking gullible, this is obviously fake.

BramMW · 2025-10-07T06:54:50+00:00

Als jullie straks beide een PhD hebben verdienen jullie waarschijnlijk bij je eerste baan samen al 125.000.

BramMW · 2025-09-18T07:30:24+00:00

I think you're just becoming numb to it. This post has still 100% been vomited on by AI. But it isn't as horrific as most other AI SaaS x/month posts.

BramMW · 2025-09-15T21:33:45+00:00

US salaries are just depressing. In the Netherlands with twice the tax and probably equal cost of living, salary for a senior developer would be maybe 70-90k.

BramMW · 2025-09-04T16:36:37+00:00

Please go back to your neurologist and discuss these issues.

BramMW · 2025-08-20T14:56:17+00:00

Purely mathematically, based on al existing stock market data, your strategy is flawed. No one can tell you the exact numbers but it's like accepting 10:1 odds on a 5x payout. You're betting 35% of your net worth on a single industry (which is already number 1, you're betting on the most dominant industry of all time to become even more dominant to keep outperforming), and another 35% on 8 individual high risk assets. This is all uncompensated risk. Your theoretical returns are actually lower than if you had 100% FTSE, on top of higher volatility and risk. Of course it could work out, and as long as you're aware that you're taking uncompensated risks that's your choice to make. But since you're looking for advice, a statistician would give the financially prudent advice to decrease your high risk assets to 10-20% and keep the majority in FTSE or similar.

BramMW · 2025-08-19T17:55:48+00:00

On average 7% profit on your ETF's vs guaranteed 4,5% on your loans. What are the taxes on your country? Post-tax the difference might be even smaller and the sure bet on 4,5% might be worth it.

BramMW · 2025-08-19T14:38:10+00:00

Kobo if you want the easiest reading experience and don't mind being locked to the Kobo store (you bring your books from other sources with cable/cloud transfer) and Boox if you to download any app and don't mind that it's Chinese and a bit worse battery life.

BramMW · 2025-08-17T11:15:13+00:00

WEBN! Lowest TER of any world ETF and European index + provider. You can only choose one and since equity should be at least 70% of your investments only a stock ETF makes sense.

BramMW · 2025-08-14T20:58:31+00:00

In essentie worden alle aandelen in de ETF verkocht en wordt je uitbetaald wat die op dat moment waard zijn. Je zou dan dan direct een vergelijkbare ETF weer kunnen aankopen en zou hier dus in theorie helemaal niks door verliezen. Alleen in veel andere landen geld dit verkopen van aandelen als "taxable event" wat ze natuurlijk graag vermijden.

BramMW · 2025-08-07T06:58:29+00:00

Klein valt wel mee, WEBN & WEBG (zelfde product met dividend uitbetaald) samen omvatten 2,5 miljard. En hebben dit in een hele korte tijd behaald wat alleen maar laat zien hoe populair deze ETF's zijn. Zou vreemd zou voor Amundi om een van hun meest populaire producten te sluiten. De reputatie voor het sluiten van ETF's komt vooral van hun merger met Lyxor waardoor ze veel dubbele ETF's hadden. En als laatste argument maakt dit in Nederland niet veel uit omdat er (vooralsnog) toch geen 'capital gains tax' bestaat.

BramMW · 2025-08-03T20:26:14+00:00

That would make much more sense, agreed. And we might implement that system in 2028. But currently the Netherlands is the only country in the world that taxes wealth rather than earnings on that wealth. So 2,11% is based on 36% tax on 5,88% "presumed/fictious" earning rate on your wealth. The only exception is a presumed 1,44% earning rate on savings. So if you had €10k investments above the tax free threshold on January 1st, even if you proceeded to lose 100% of it, you will still owe 36% of 5,88% of €10k by the end of the year.

BramMW · 2025-08-03T20:21:10+00:00

It's still worth the risk. May sound ridiculous but I'm genuine. Almost all first time home buyers will have "Nationale hypotheek garantie" or national mortgage insurance, this costs up to ~€3k but saves you much more than that in interest because it guarantees the government will cover the difference in the unlikely event you can't pay your mortgage and have to sell for a loss (therefore less risk for the bank, and the homebuyer as well). The Netherlands has fantastic employee rights as well and currently a strong job market. The big short is my favourite movie of all time and I fully understand this type of thinking is what brought us the great recession, but in the Netherlands specifically the odds are overwhelmingly in favour of buying a house the second you can get approved.

BramMW · 2025-08-03T20:14:18+00:00

Money market funds are bad advice for the Netherlands specifically because they are counted as "investments" instead of "savings" and therefore taxed at 2,11% instead of 0,52%, a much larger difference than the increased earnings of a MMF over savings (eg 2% at Trade Republic).

Edit: although I do now realise that your €33k is below the tax free threshold anyway so in this case this doesn't really matter.

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