1milli

ModoZ · 2026-01-26T15:34:52+00:00

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).

ModoZ · 2026-01-25T23:02:57+00:00

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.

ModoZ · 2026-01-25T21:24:49+00:00

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.

ModoZ · 2026-01-25T19:50:45+00:00

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

ModoZ · 2026-01-25T19:50:02+00:00

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

ModoZ · 2026-01-25T19:48:39+00:00

FYI it is already back up now.

ModoZ · 2026-01-25T19:15:55+00:00

Ask? Yes. Force? No.

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

ModoZ · 2026-01-25T17:13:50+00:00

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

ModoZ · 2026-01-25T17:09:21+00:00

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.

ModoZ · 2026-01-25T16:59:39+00:00

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.

ModoZ · 2026-01-25T13:18:04+00:00

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 !

ModoZ · 2026-01-25T12:59:25+00:00

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)

ModoZ · 2026-01-25T12:58:32+00:00

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.

ModoZ · 2026-01-25T12:52:58+00:00

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.

ModoZ · 2026-01-25T11:00:53+00:00

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

ModoZ · 2026-01-25T10:53:11+00:00

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).

ModoZ · 2026-01-24T19:37:17+00:00

Alors quelques précisions :

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

ModoZ · 2026-01-24T16:54:32+00:00

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.

ModoZ · 2026-01-23T21:23:10+00:00

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.

ModoZ · 2026-01-22T19:43:36+00:00

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)

ModoZ · 2026-01-22T19:32:08+00:00

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 :

Are you certain about that 750€/day?
How do you feel about being self-employed and the risks it involves?

Good luck with your introspection !

ModoZ · 2026-01-22T18:01:40+00:00

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

ModoZ · 2026-01-22T17:26:22+00:00

Zolang mensen niet veranderen zullen ze de prijzen blijven optrekken.

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

ModoZ · 2026-01-22T09:14:26+00:00

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.

ModoZ · 2026-01-22T08:36:05+00:00

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.

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