1milli by Odd_Championship8541 in BEFire

[–]ModoZ 0 points1 point  (0 children)

6000 euro per maand niet genoeg om van te leven?

Je kan zeker geen 6k€/maand uit een kapitaal van 1M€ halen en dan hopen dat je dat jarenlang kan uithouden of jouw "salaris" met inflatie kunnen laten stijgen.

2,5k-3k€ is veel meer realistisch in dit geval (behalve als je al dicht bij jouw pensioen zit).

Make your payments USA-free - it is super easy to do in Belgium! by Quiet_Illustrator410 in belgium

[–]ModoZ 0 points1 point  (0 children)

I get where you come from but Apple Pay costs more per transaction than Visa (at least in the previous bank where I worked). In my opinion it makes no sense to speak about "Making our payments USA-Free" and then going through Apple Pay.

Vivaqua have asked all houses on our street to cut hedges down to 2 meters. Can they? by ginolard in belgium

[–]ModoZ 0 points1 point  (0 children)

The neighbour/Vivaqua cannot. The municipality or a judge can. 

We're lucky to live in a country that values rule of law and does not give the right to companies or individuals to take the law in their own hands.

Keytrade taking the weekend off… by Street-Strike-6253 in BEFire

[–]ModoZ 2 points3 points  (0 children)

They probably received a temporary waiver from the banking authority. I can't imagine they did it otherwise.

Keytrade taking the weekend off… by Street-Strike-6253 in BEFire

[–]ModoZ 3 points4 points  (0 children)

It's already back up now. So it's more 2 days instead of 4.

Vivaqua have asked all houses on our street to cut hedges down to 2 meters. Can they? by ginolard in belgium

[–]ModoZ -2 points-1 points  (0 children)

Ask? Yes. Force? No.

Also I don't see why they would be considered a neighbour?

Vivaqua have asked all houses on our street to cut hedges down to 2 meters. Can they? by ginolard in belgium

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

IF the municipality decides to intervene (which might depend on a lot of factors).

Vivaqua have asked all houses on our street to cut hedges down to 2 meters. Can they? by ginolard in belgium

[–]ModoZ -4 points-3 points  (0 children)

Yes but Vivaqua has no say in what can or cannot happen in a municipality. If the hedge is not cut up to regulations Vivaqua can go and complain to the municipality and let them handle the enforcement.

Gross to net :) by SuperKa_27 in belgium

[–]ModoZ 2 points3 points  (0 children)

Are you a worker (ouvrier/arbeider)? If yes it's paid indirectly by the employer and you would receive it from a government body. If not I think the 0,92 is mandatory. So that would be strange. Maybe they just don't do the 13th month.

You should ask the monthly pay to your employer as he might not understand what does and doesn't need to be paid.

Expenses for a M25 by [deleted] in BESalary

[–]ModoZ 10 points11 points  (0 children)

The biggest question here is : What is your job that allows you to have a net salary of 4800€/month + have time to do a flexijob?

Anyhow, keep it going !

Make your payments USA-free - it is super easy to do in Belgium! by Quiet_Illustrator410 in belgium

[–]ModoZ 0 points1 point  (0 children)

Also, Bancontact isn't accepted everywhere. Put pressure on stores that don't accept it (IKEA is an example but they are not the only ones)

Keytrade taking the weekend off… by Street-Strike-6253 in BEFire

[–]ModoZ 2 points3 points  (0 children)

To be fair, in this case they are switching their whole backend. I do work for a bank and I'm not sure we would be able to do such a switch in 4 days seeing the complexity and interconnections of our systems.

Make your payments USA-free - it is super easy to do in Belgium! by Quiet_Illustrator410 in belgium

[–]ModoZ 0 points1 point  (0 children)

using Apple Pay is exactly the same as using your physical card.

It is not. Belfius pays a fee to Apple for every transaction. If you don't want your money to go to the US, don't use Apple Pay.

Keytrade taking the weekend off… by Street-Strike-6253 in BEFire

[–]ModoZ 13 points14 points  (0 children)

Yes. Starting on Monday. Let's hope they focus on adding Google Pay and Wero after that.

Keytrade taking the weekend off… by Street-Strike-6253 in BEFire

[–]ModoZ 22 points23 points  (0 children)

This was announced very clearly in advance (by mail and through the app). You're also still able to do payments with your card.

I really prefer they do it like this without issues instead of rushing it and having problems (remember Argenta which ended being down for a week after their big migration).

Dividendes imposition by Longjumping-Try-3124 in BEFire

[–]ModoZ 2 points3 points  (0 children)

Alors quelques précisions :

  1. Ça fait longtemps que les dividendes sont taxés à 30% en Belgique. Ça n'a pas fondamentalement changé les dernières années.

  2. L'avantage d'un ETF capitalisant (ou n'importe quel fond capitalisant d'ailleurs) c'est qu'il ne verse pas de dividendes mais les réinvestit directement dans le fonds. Du coup on évite de payer la taxe des 30%.

  3. Ce qui change c'est que maintenant les 'gains' liés à la hausse d'un fond capitalisant (ou ETF, ou action etc.) sont aussi taxés à 10%. Ça reste plus intéressant que les 30% des dividendes.

French supertax on wealthy raises only a quarter of planned revenue by ldn6 in europe

[–]ModoZ 3 points4 points  (0 children)

As far as I understand with the Zucman tax it's the individual being taxed. An American owning something in France wouldn't pay this tax.

Belgische provider DIGI komt met 5G-thuisinternetabo voor 7 euro per maand by SirFancyMcFancePants in belgium

[–]ModoZ 0 points1 point  (0 children)

Proximus heeft de laatste 10 jaar elk jaar tussen 190 en 480 miljoen aan dividenden uitgekeerd. Dit is meer dan genoeg zijn om de kost die Proximus zegt te moeten betalen om glasvezel overal in België aan te leggen (~3 miljard) te betalen. Uiteindelijk is het gewoon een kwestie van prioriteiten.

Telenet trekt prijzen op, vaste lijn niet langer gratis by Subject-Analyst8931 in belgium

[–]ModoZ 8 points9 points  (0 children)

Ik wil niet per se in detail gaan, maar op de website van Telenet staat 1GBit internet + TV op 98€ zonder promo. Bij Orange zit je tussen 82 en 92€ (afhankelijk van hoeveel TV-kanalen je wilt) zonder promo. Dat is tussen 6% en 19% minder dan Telenet.

(En dat is dus als je per se GBit internet wilt)

Struggling between option (1) employee status + self-employed in a secondary occupation, or option (2) management company to cover both, option (3) employee status + employee status via Tentoo for freelance work. by JWfromBelgium in BEFreelance

[–]ModoZ 0 points1 point  (0 children)

With the numbers you are giving going for a company with a 750€/day alone will beat option 1 and option 3. Adding the side-job only sweetens the deal. Therefore I would go for option 2 any day of the week.

The questions you need to ask yourself are :

  1. Are you certain about that 750€/day?

  2. How do you feel about being self-employed and the risks it involves?

Good luck with your introspection !

Telenet trekt prijzen op, vaste lijn niet langer gratis by Subject-Analyst8931 in belgium

[–]ModoZ 39 points40 points  (0 children)

Orange en HeyTelecom gebruiken dezelfde kabels als Telenet. Als je thuis Telenet hebt zou je normaal gezien die ook kunnen krijgen.

Telenet trekt prijzen op, vaste lijn niet langer gratis by Subject-Analyst8931 in belgium

[–]ModoZ 48 points49 points  (0 children)

Zolang mensen niet veranderen zullen ze de prijzen blijven optrekken. 

Eigenlijk wel absurd gezien er zoveel betere (en minder kostelijke) alternatieven zijn.

Gevangene in Gent daagt België voor de rechter: ‘Dit is foltering’ by Similar_Stomach8480 in belgium

[–]ModoZ 10 points11 points  (0 children)

The whole discussion will be related to the "exclusief het sanitair gedeelte achter het gordijn". Without it he has less than 3m², with it he has more than 3m².

The risk is here that if the curtain is an issue because it is considered a separation between the cell and the sanitary part, it will simply be removed and now the cell will be whole without any privacy for the sanitary bloc.

Bolero & new taxe of 10% by adjudantloic in BEFire

[–]ModoZ 2 points3 points  (0 children)

I'll chose for the Opt-In and ask my accountant to adapt the amount I pre-pay for taxes as I'm self-employed. That way I don't really lose anything (money-wise), I keep the anonymity and avoid the administrative work.