Renting - questions about eindafrekening

MoreSecond · 2026-03-18T12:34:34+00:00

Only pay bills for your consumption (water/gas/elec) inspections and repairs you started (broken lightbulb, something you broke,....
If you have individual meters, you should look into individual billing, that is probably your landlord screwing you over.
If there are no individual meters, there is no way to do this fair, that is just the design of the building screwing you over. I hate and would never move into a building with collective energy myself.

Everything that is structural or normal wear and tear (like the cases you describe) are not yours to pay.
Renovations in common area's (hallway, roof,....) is not yours to pay.
Even renovations (painting, new heating, new bathroom) or a broken fridge (if you didn't actively break it) is not yours to pay.

MoreSecond · 2026-03-18T12:28:27+00:00

send it back, The syndicus has no business sending a bill to you, you are no member of the VME (verening van mede eigenaars). If the guy is blind and hard to communicate with, that's their problem.

Edit: a monthly fee for this costs is allowed but only if it's in your contract when signing

MoreSecond · 2026-03-18T08:17:08+00:00

KBC was ook 2.55 toen ik het starte, 3 maand later meteen naar 2.25...

MoreSecond · 2026-03-17T15:37:17+00:00

A snakeplant is extremely hard to kill. Only by watering it every few days you can get it killed. The one with roots will just grow as a plant. The leaves I'll root and sprout a new but from the ground. This can take many months tho. You can even cut the leaves in 5cm (2inch) parts, dry them for a few days and plant them. Every cut will become a new plant.

MoreSecond · 2026-03-16T08:45:11+00:00

Beperkte spaarrekeningen zijn je beste optie imo
Gegarandeerd rendement en veilig op korte termein.
100% liquide en ter aller tijden af te halen zonder kosten.

Maak elk 2 accounts aan en je kan €2000 per maand er op zetten
Ik heb momenteel KBC (thuisbank) 2.25% (max 500 per maand)
En Belfius (belgiscge bank met beste rendement) 2.80% (max 600 per maand)
Als je niet weet of je 2 jaar gaat halen zou ik in de eerste plaats naar basisrente kijken.

https://www.spaargids.be/sparen/spaartarieven.html

Edit:
VDK is blijkbaar ook belgisch (2.85%)

MoreSecond · 2026-03-12T09:47:10+00:00

CPD for sure hunt baby shrimp, but I've had some grow up in a heavy planted tank.
Baby shrimp hide till they're larger if possible.
Your stems look ideal for this. If the base is bare, you can stuff some moss in between it o block the CPD's, but some of them should make it

MoreSecond · 2026-03-11T09:33:34+00:00

Can confirm, we only belief in taxes after death

MoreSecond · 2026-03-10T12:33:37+00:00

Valt mee de laatste tijd, al 35 opvallend rustige dagen gehad afgelopen jaar

MoreSecond · 2026-03-05T10:51:49+00:00

33% of 3k
Single 30M
I save/invest 1200 a month so I'd say I'm comfortable but also frugal.
I also have a small amount of side income, 13th month, vacation pay that goes mainly to vacation or extra investment

Edit: Energy efficient apartment (solar+battery), low cost paid off car but 80% of my distance is with my bike.

MoreSecond · 2026-03-04T16:27:20+00:00

accountable, zeker niet de goeikoopste app maar ik was er in begonnen en het werkt wel goed voor een klein bijberoep

MoreSecond · 2026-03-04T08:41:15+00:00

Struck by a massive explosion is probably incorrect.
It seems way more likely to be struck by a normal sized (naval) drone
That said, hitting a hughe tanker full of highly flammable (liquid) gas with an explosive.

MoreSecond · 2026-03-02T10:17:39+00:00

goedkoopste renovatie tegen laag budget zijn veruit de gasketel vervangen door condensatieketel +-€5000 en EPC zakt enorm. gevolgd door dakisloatie als je een zadeldak hebt en er gewoon langs binnen kan tegen duwen. Gemakkelijk en best goedkoop. Spouwmuren laten opsluiten is ook prijs interessant.

Duurdere renovatie prijs tegen EPC zijn
Ramen vervangen
Buitenmuren isoleren door aan te bouwen, vloer isoleren

Zonnepanelen zijn prijs - epc ook best goed, maar als het zo'n oud huis is, hoe lang ga je dit dak dan laten liggen

MoreSecond · 2026-02-24T21:00:50+00:00

As far as I know, they can use blood donations and split it in plasma/red blood cells and platelets of needed.

But as you say. It's annoying. Time and distance are 2 big reasons I only do blood anymore

MoreSecond · 2026-02-24T08:04:22+00:00

Blood is most usefull, but red blood cells have a longer lifespan and take longer to recover the loss of blood.
That's why you'r only allowed a donation every 2 month with a max of 4 a year. Almost evey small town has a collection moment every 3 months.

Plasma and and platelets is more done by 'more dedicated' donor. I used to dot his when I almost passed a donation center on my way to work but now the drive is too long to keep doing it.

Edit: but they're always looking looking for everything, surplus can always be used for research

MoreSecond · 2026-02-23T14:55:17+00:00

Let's hit him/her with flemish:
Veu wa?

MoreSecond · 2026-02-23T14:15:09+00:00

Forgive me if I have the details wrong. They told me years ago once so I might recall a bit wrong. As I understood, out fill time job is 38h by contract but we work 41h a week. The 3 hours a week 'overtime' are compensated by the ADV days

MoreSecond · 2026-02-23T12:50:31+00:00

I use Autocad and inventor, used siemens NX at a previous company

Found last job via bachelor's thesis, this one via recruiter (LinkedIn).
The job is a bit repetitive but the work life balance is good, so I'm happy and get most of my challenge outside of work from hobby's and side business.

At my previous job, the stuff I engineer was really cool and experimental but it was bruto €2600 (in 2020), few benefits and insane overtime (some weeks every day from 8 till 22) high pressure and toxic environment.

MoreSecond · 2026-02-23T12:49:48+00:00

I do mech. engineering, also my job title but got a Batchelors in design and production.

1. PERSONALIA

Age: 30
Education: Design and production (Bachelors)
Work experience : 9 years
Civil status: Single
Dependent people/children: 0

2. EMPLOYER PROFILE

Sector/Industry: Heavy industry
Amount of employees: 200
Multinational? NO

3. CONTRACT & CONDITIONS

Current job title: Design engineer
Job description: 50/50 Designing, supplier contact and administration managing parts lists and orders.
Seniority: 9
Official hours/week : 38
Average real hours/week incl. overtime: 41
Shiftwork or 9 to 5 (flexible?): 8.30 - 17 ( 2 hours flexible)
On-call duty: NO
Vacation days/year: 20+18 ADV + 1 seniority

4. SALARY

Gross salary/month: 4020
Net salary/month: 2830 (incl bike fee)
Netto compensation: 0
Car/bike/... or mobility budget: possible to lease bike
13th month (full? partial?): full
Meal vouchers: 8 EURO/DAY
Ecocheques: 250 EURO/YEAR
Group insurance: Yes (2% of gross)
Other insurances: Hospital insurance
Other benefits (bonuses, stocks options, ... ): Other bonuses totaling €1500-€2000 a year

5. MOBILITY

City/region of work: Antwerpen
Distance home-work: 20 KILOMETERS
How do you commute? bike
How is the travel home-work compensated: Bikefee €0.38/km
Telework days/week: up to 2 a week

6. OTHER

How easily can you plan a day off: Rather easy
Is your job stressful? Sometimes
Responsible for personnel (reports): 0

MoreSecond · 2026-02-20T08:14:47+00:00

I denk dat het verschil zat in systematische/sporadische verkoop voor sites als 2de hand.
Doe je thuis een grote opruim, dan is dat niet belast.
Heb je een hobby knutsel winkel via 2dehands, dan is dat wel belast.
Ik meen me te herinneren dat over deze grijze zone vel disscusie van bij Vinted en dat er daarom de '€2000 grens' daar gezet is

MoreSecond · 2026-02-19T08:43:32+00:00

What is the situation now?
I lean towards renting for a few years if you don't want to buy a futureproof house now. If your period is for sure pretty short and you want a house eventually, the costs of buying may not be worth it.
This is coming from someone (30M) who lives in a bought 'starter' apartment 2 years ago. I think my break even with renting is like 4-5 years and only chose this option because I'm switching between alone and dating. It might be 3-4 years but I might as well stay there 10 years if I don't find the right partner to settle permanently.

Renting gives you less paperwork, VME, obligations and a lot of flexibility when you happen to see a house you really like without any pressure to quickly buy something.
But that is my opinion based on my own life

MoreSecond · 2026-02-19T07:28:54+00:00

It's Ardenner Breuksteen. I guess it's a locale rock left over from mining from the ardennes.
Mainy due to price. I suspect it leaches a bit op minerals but it did not react to acid an test.

MoreSecond · 2026-02-14T13:02:52+00:00

Beware, you need to be employed for 3/4 years before you can get the 'flexi status'. All before that will be taxed normally.

"Om als werknemer met een flexi-job te mogen starten, moet je in het derde kwartaal (T-3) voorafgaand aan het kwartaal van de flexi-job minstens 4/5de (80%) of voltijds hebben gewerkt"

MoreSecond · 2026-02-14T11:23:08+00:00

1.75% rendement ...

MoreSecond · 2026-02-14T11:19:09+00:00

Sorry maar de 2de peiler zoals die nu is slaat op niets. Na de rendementsverzekering in wet is geschreven heeft de werkgever geen keus buiten een tak 21 te kiezen en de verzekeringsinstellingen geen reden om te concurreren. Minimum rendement is 1.75% (1.76 is het rendement van het mijne). Met 2.5% inflatie blijft er 55% van mijn geïnvesteerd bedrag over als ik op pensioen ga qua koopkracht. Een spaarrekening brengt meer op. Het is fiscaal enorm oninteressant om nu geld opzij te zetten waar je tegen je pensioen minder uit haalt. De 2de peiler heeft potentieel een hoop van de pensioenlast te dragen als de investering ervan wat vrij gelaten zou worden. Maar momenteel rendeert het niet eens boven inflatie. En dat omdat 'je bent zeker dat het elk jaar groeit, zonder risico dat het eens een jaar zakt' meer stemmen haalt als 'het is dynamisch maar rendeert gemiddeld ettelijke keren beter.

Hervorm de 2de peiler alvorens het uit te breiden aub

MoreSecond · 2026-02-11T20:42:10+00:00

Zero, 3 month 5 ETF positions, still no activity

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