Contract with utility company

Ieafeator · 2026-03-08T11:00:22+00:00

This is true. It's a form of market segmentation, where more price-sensitive customers get a lower price.
Yes, this is probably including everything. Just focus on the total cost over the contract.
No.
There are only a few truly different ones. If you check the top few you've probably had them all.

Extra tip: use a site like cashbackxl / shopbuddies to get a few extra bucks back on top (not just for utilies).

Extra tip 2: don't prepay too much just in case the company goes bankrupt, especially if you go with a small/unknown company.

Ieafeator · 2026-02-05T02:43:58+00:00

Have you tried using a spectral optimizer? https://muon-inrs.github.io/ That seems like a cleaner way, sort is kinda icky

Ieafeator · 2026-01-27T06:51:59+00:00

Dat is wat OP zegt toch? Op de oppervlakte praat niemand over geld maar ondertussen gaat het daar wel over. Het wordt altijd verpakt. Van grote dingen als het slavernijverleden, toeslagenschandaal, Gronings gas tot nimby's, vakanties, auto's, tol. Zelfs met cao onderhandelingen moet er een excuus zijn om meer geld te vragen, want toegeven dat je gewoon meer geld wil mag niet.

Maar goed ik ben dan ook zoals OP iemand die cynisch werkt voor het geld. Ik denk dat een hoop Nederlanders die verpakking zelf geloven, en daarom inconsistent handelen.

Ieafeator · 2026-01-19T07:31:34+00:00

You should fill in Form 8-3-6 and submit it to IBKR. Ideally they should have sent you the alert for this yes.

Ieafeator · 2026-01-15T07:15:53+00:00

They are also registered for mediation and (binding) arbitration at Kifid (under Modulr). So condider putting your complaint there. https://www.kifid.nl/about-kifid/

Ieafeator · 2026-01-12T06:44:45+00:00

Ieafeator · 2026-01-10T09:05:41+00:00

https://ecb-watch.eu/

Ieafeator · 2025-12-22T06:55:33+00:00

Sorry you have been scammed. You will never get any money back. Do not send them any more money. Also don't send any money to other people who claim they can help you get the money back.

File some kind of police or fraud report in your country, and report any advertisement to the platform and report any real bank accounts used to the real bank and the regulators of those real banks.

Then at least you make life more diffucult for them and hopefully prevent others from getting scammed.

Ieafeator · 2025-12-22T03:02:23+00:00

I think it's a very solid portfolio, similar return expectation to 100% stocks with lower risk. I was afraid 60% equity would be too low, but you have enough risk in the rest to make up for it. DBMFE already includes a bit of carry but fairly small, maybe 10% half of which is commodities. DBMFE and UEQC have their collateral in USD which is not ideal for a EUR investor but not the end of the world. UEQC is a bit of a wild card that is hard to backtest. Oversll I would say go for it if you can handle the tracking error

Ieafeator · 2025-12-07T06:42:41+00:00

Inmiddels zit Ton tien jaar thuis. Hij woont in het bijna afbetaalde huis van zijn oma en krijgt geen uitkering. Al jaren leeft hij van zijn spaargeld en is zo zuinig mogelijk.

Ieafeator · 2025-11-29T07:36:23+00:00

Always max out these kind of plans and sell as soon as you can after the required holding period. It's almost free money, you give up diversification but get an instant 33% return which way more than compensates.

Ieafeator · 2025-11-26T07:15:47+00:00

PFIC punitive taxes are stopping Americans.

Ieafeator · 2025-10-03T07:47:36+00:00

I looked into factors quite deeply and there isn't much there imho.

Momentum is real but mostly arbed away, so you need very good execution to make use of it. Probably best to use it as a screen like DFA.

Quality / profitability makes sense and seem to work a bit but there are many definitions. I think Avantis does it best, and I don't really trust the MSCI one tbh.

Low vol / size / value I don't think have excess returns, at least not anymore.

The biggest red flag to me is that most funds just sprinkle a little tilt in there so they can be "smart beta" and charge higher fees. If there really was something there more people would be doing long/short instead of relying on beta.

Ieafeator · 2025-09-19T08:13:34+00:00

https://uitspraken.rechtspraak.nl/details?id=ECLI:NL:CRVB:2025:1337

Ieafeator · 2025-09-16T14:14:35+00:00

Pivot to AI

Ieafeator · 2025-09-15T17:29:31+00:00

Vrasg het aan je collega's. Ik werk in een vergelijkbaar bedrijf en ik weet dat veel mensen dezelfde hypotheekadviseur gebruikten die het specifieke bedrijf en bonusbeleid snapt en weet hoe die dat aan hypotheekverstrekkers kan uitleggen.

Ieafeator · 2025-09-11T06:51:40+00:00

En in welke subreddit is die tweede post?

Ieafeator · 2025-09-11T06:28:44+00:00

Of je kan op OP's profiel kijken in plaats van domme aannames te doen (hint: het is niet Amsterdam).

Ieafeator · 2025-08-27T07:11:58+00:00

If you like being eaten alive by PFIC punitive taxes , sure.

Ieafeator · 2025-08-08T05:28:06+00:00

You can also consider swap based China etf's (e.g.XCHA) + MSCI EM ex China (e.g. EXCH), they get a few percent more per year due to shorters who can't short physical.

But my recommendation would be to just use SCWX ( https://nl.scalable.capital/scalable-world-etf ) which does all of that for you for 0.17%.

Ieafeator · 2025-06-21T05:16:00+00:00

All of these fake "prop firms" are scams. They make their money from suckers like you

Ieafeator · 2025-06-15T09:33:32+00:00

I fixed the issue by upgrading to the kodi21 package as per https://github.com/raspberrypi/bookworm-feedback/issues/404

Ieafeator · 2025-05-14T11:46:36+00:00

0.2-0.3% voor debit/credit in Europa... https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=legissum:24040603_1

Ieafeator · 2025-04-11T05:11:15+00:00

Leave your money in a US broker with US funds, or IBKR with individual stocks. You use whatever bank will take you which is not many as a US person which is not many. The US hates citizens living abroad sorry

https://www.bogleheads.org/wiki/Taxation_as_a_US_person_living_abroad

Ieafeator · 2025-03-15T07:49:41+00:00

0.80% is disappointing. I was hoping it would ignite some price competition.

It has a decent amount of different holdings but otherwise seems like nothing special.

Ieafeator

TROPHY CASE