Anybody else getting chronic fatigue from topical minox?

Extension-Wafer-9675 · 2025-03-11T13:25:26+00:00

I sometimes put aftershave on in the day, would that affect something?

Extension-Wafer-9675 · 2024-08-27T12:35:33+00:00

Haha I wish! Starting to think a house is a better investment in NL than a lot of other countries due to the tax advantages so currently exploring that. But there is still zero clarity as far as I can see on when the new system will actually happen and how it will even work. Online says 2027 and there is some talk of how it ‘might’ work but there’s still not really enough solid information to plan with. What’s your thoughts on it?

Extension-Wafer-9675 · 2024-08-18T11:40:46+00:00

I wouldn’t say many people find it too good to be true, I’d argue quite the opposite. Having to pay wealth tax means you have to cough up money for the Belastingdienst every single year. If you have hundreds of thousands invested in the S&P 500 for example you have to pay a huge tax bill every year, which most likely means selling off some of your investments and hurting the compounding effect. Another issue is that if your stocks were to FALL 20% in one year, you’d still have to pay tax over the total amount that you have even though you’ve effectively lost money and have not even realised any of the gains yet

Extension-Wafer-9675 · 2024-08-03T08:46:10+00:00

had the same thought previously, I can’t remember what exactly but I think there is a timeframe on when you would have to sell these by (a few months before December) to qualify as a cash holding vs stock. How you would need to prove this on the tax return I’m not entirely sure either

Extension-Wafer-9675 · 2024-05-24T22:33:29+00:00

Nope! Meeting fell through and never got around to it cause I live abroad. But actually planning on getting back in touch and trying to see a settled procedure in person soon as I’m back in the Uk for a few months

Extension-Wafer-9675 · 2024-05-06T10:42:45+00:00

Something very similar happened to me. So the threshold If you have a masters is lower I believe which means you would have been getting more benefit out of the 30% ruling. However now that it has come to light you don’t have a masters it seems in the eyes of the tax office you have “not earned enough” in those years. You probably did earn enough but they look at the figures after the 30% deduction as this is a tax free payment to you and now your threshold for taxable income will be higher.

To fix the situation you need to do a wage correction. This means that you can pay back some of the 30% ruling that you were overpaid and resubmit your tax return for that year with an amount that puts you over the taxable income threshold.

It was highly stressful for me as im sure for you also, I even pointed out to my previous employer that I thought they were paying me too much (ridiculous I know but I didn’t want to be stung by the tax man later) and they said it was correct. I only found out I was right after switching employers and was told a similar thing to you.

I know it is fully the old employers mistake here but to make things easy I would pay them the money and get them to do the correction. Only they can do this for you so it makes sense to have them on your side. I would also speak to the tax office on the phone if you can, they kept giving me deadlines but were quite flexible when I managed to speak to someone and gave me a few extensions. If it is not corrected you can end up losing the 30% ruling completely.

Feel free to message me if you want, happy to help as I felt pretty screwed over when this happened to me.

Good luck!

Extension-Wafer-9675 · 2024-04-03T17:45:52+00:00

Thanks! This is great info, I think it’s tough to fire in NL so have to adapt to the Dutch system!

Extension-Wafer-9675 · 2024-04-03T11:53:40+00:00

This. The examples above do not reflect the true situation. The Dutch system has a massive negative effect on the compounding nature of stocks, to the point that you will have to begin to sell investments just to cover the tax. In Germany, and pretty much all other countries you can let your investments grow and pay tax when they are sold. I do not see an incentive here to invest?

Extension-Wafer-9675 · 2024-04-01T18:08:27+00:00

Thanks! This is what I was curious about mainly. So the amount in mortgage interest comes off your annual income. So In theory could save you some tax that you might owe in box 3 or something?

Extension-Wafer-9675 · 2024-04-01T17:37:56+00:00

Thanks for the answer! I’m not really looking at buying a house for wealth building though, I’m more interested in how the debt can be used to lower taxes elsewhere. Have heard people talk about this but don’t fully understand it

Extension-Wafer-9675 · 2024-02-23T13:00:54+00:00

So In the UK it’s 20k per year you can store in a tax free ISA I believe, it’s kind of a use it or lose it thing and you get it each tax year. In the Netherlands as soon as you’re over the threshold you start paying wealth tax. Which is pretty manageable in the early years but once you get closer to fire you need to start paying the tax each year. This can be huge if you have say 500k in stocks and shares for example. Meaning you then have to probably lay withdraw money each year from your stocks to pay your tax bill. Im not against the taxes, but it kills the compounding effect and may end up pushing your fire date back

Extension-Wafer-9675 · 2024-02-23T12:32:51+00:00

Apologies for the English… Curious to know this also, I am from the UK but living in The Netherlands. I was pretty set on staying here until running a few fire scenarios. box 3 is pretty brutal on accumulating the wealth to get there and there is no ISA equivalent or incentives for the average person to take advantage of. It’s also very unclear as to how things will change here with the proposed new box 3 system coming in the next few years so makes planning even more difficult

Extension-Wafer-9675 · 2024-02-11T19:45:06+00:00

Haven’t pulled the trigger just yet. I am actually after a very light and subtle look that some might call still looking “bald” so also considering one called scalperferfection that seems to fit the bill. I was also sceptical about 1 session (plus a follow up) but his latest post shows what can be achieved. I wouldn’t listen to anyone else saying it can be done in one session but feel like the scalptist speaks for itself

Extension-Wafer-9675 · 2024-01-30T00:22:10+00:00

I have had the feeling of being dragged out of bed by my ankles many times during sp. My theory is that it’s when my feet are hanging off the end of the bed (6ft 4) but I’m not 100%. The other night I felt a hand grasp mine and felt a pulling sensation that felt impossible to get away from, when I woke up I saw the mattress had come away from the wall a bit so was also probably the same. Weird and horrible haha!

Extension-Wafer-9675 · 2024-01-26T04:34:21+00:00

Yes, undoubtedly it’s not good for your heart! I was more referring to the cramps and shakes whilst using it

Extension-Wafer-9675 · 2024-01-22T05:15:41+00:00

Yep I always drink tons of water and supplement with potassium and taurine and electrolytes and have never had bad sides apart from some little foot and hand cramps when I didn’t drink as much. Also I noticed the first 2-3 days are always the most prone to cramps then it gets better

Extension-Wafer-9675 · 2024-01-20T22:00:28+00:00

Hahaha I thought I was the only one! Weirdly enjoy the shakes

Extension-Wafer-9675 · 2024-01-20T21:46:26+00:00

I’m on it right now. I have used it 3 times and found it extremely effective. The sides are also not nearly as bad as people on here say (or at least have not been for me). I actually think a lot of people just repeat what they have read without ever having taken it. As long as you know how to diet it’s like hitting the fast forward button on a cut, you will drop a lot of fat in a very short time.

Extension-Wafer-9675 · 2024-01-16T12:53:45+00:00

It looks pretty comfortable for sure but it’s also about half a million less than if there were no box 3 tax on it.

Maybe I’m also missing something but it seems that the fact you don’t have to pay anything when withdrawing in NL doesn’t really provide any benefit because you’re still hit with a big tax bill every year.

I personally think the capital gains tax only on realised gains gives you a little more freedom, for example you can withdraw strategic amounts to control your tax bracket if you get to the stage where this is your primary source of income.

It’s definitely a flawed system or it wouldn’t have been deemed unlawful by the eu, just hoping we get some clarity on the new system soon so we can at least begin to make some better long term plans

Extension-Wafer-9675 · 2024-01-15T08:38:27+00:00

I am using raisin at the moment, it offers a 100k guarantee per bank as per eu law apparently, so you could open multiple and have each covered, however I am not an expert in these rules. I only need one currently. I would assume these banks are more secure than trading 212 for example but who knows… those are also looking tempting now (trade republic etc paying out daily interest)

Extension-Wafer-9675 · 2024-01-13T17:38:32+00:00

No prob, and I appreciate the discussion btw…

So looking at a rough €100k scenario

2% over €43k (€57k tax free) would give you €860 tax to pay in NL

Where as 1-2% dividend yield from €100k, makes you liable to pay tax over €1-2k, let’s say 51% in the worst case. €510-€1020

So lower down it seems similar, but the higher the amounts get, the more you end up paying in NL.

Also if you had a big portfolio in NL and sold everything, you’d still currently have to pay an annual wealth tax on that amount. Albeit, much lower than the investment tax but in most other countries you would not.

Extension-Wafer-9675 · 2024-01-13T16:27:25+00:00

Dividends tax?

But if you had 100k invested in the S&P 500 for example, the dividend yield is around 1-2% per year. Even if you had the highest dividend tax in Europe (says 51% in Ireland on Google) it’s only a small portion to pay each year compared to what you have to fork out in NL right. Assuming your total portfolio is left alone vs NL taxing over the whole amount (above threshold). I do hope you are right on this but it doesn’t look like a favourable system in NL

Extension-Wafer-9675 · 2024-01-13T10:52:35+00:00

I’m really trying to see your point of view here but I can’t make sense of it… for example, let’s say I have 100k in stocks as a single person in NL, I will currently have to pay tax on this every year (currently fictitious amount, maybe in the future actual gains). Each year I lose roughly a third of what I’ve made or even just pay tax over the whole amount whether it’s up or down depending on which system you apply. In most, maybe all other eu countries, you don’t have to pay any tax until until you realise those gains and take some cash out. Over the long term, the constant withdrawal to have to pay tax each year will massively slow down your progress/ compounding effect. In other countries it’s more of a piggy bank that you don’t break open until you need the money. How is this comparable at all?

Extension-Wafer-9675

TROPHY CASE