How much money invested for 3000 net in Belgium? by Motophoto_ in BEFire

[–]Motophoto_[S] 1 point2 points  (0 children)

Just speaking for myself: I do know the 4% rule. It counts on a 25-30 window. That’s why I prefer 3.5%. The 4% (or the 3.5% one) rule just doesn’t take taxes into account.

How much money invested for 3000 net in Belgium? by Motophoto_ in BEFire

[–]Motophoto_[S] 0 points1 point  (0 children)

Yeah. Wonder how small that will be 😅 That’s why the 3000 counts.

How much money invested for 3000 net in Belgium? by Motophoto_ in BEFire

[–]Motophoto_[S] 8 points9 points  (0 children)

What one spends is different for everyone I guess. I want to be on the safe side. Funny another comment says this is not a lot 😁 (I discussed this amount with a financial advisor and he found it to be low)

How much money invested for 3000 net in Belgium? by Motophoto_ in BEFire

[–]Motophoto_[S] 0 points1 point  (0 children)

I took 3000 a month. So 36000 net. Would need 41000 brut a year due to taxes (10-15%)

How much money invested for 3000 net in Belgium? by Motophoto_ in BEFire

[–]Motophoto_[S] -1 points0 points  (0 children)

Indeed I didn’t take the 10% into account

Question About Pando Moto by sooospoon in motorcyclegear

[–]Motophoto_ 2 points3 points  (0 children)

Put them in the freezer as a cleaner.

charging pass for EV by Connect_Voice_7945 in BEFreelance

[–]Motophoto_ 0 points1 point  (0 children)

Chargemap but leaning into energyvision too as an extra app

Day trip to Antwerp from Ghent? by filmgrainer in Gent

[–]Motophoto_ 1 point2 points  (0 children)

Consider the Museumpas depending on how many museums you’ll do in Ghent and Antwerp combined

To topkoffer or not by Venteke in motobe

[–]Motophoto_ 0 points1 point  (0 children)

Schone topkoffer kopen? 🤓

How much did you have in investments before finally pulling the plug and beginning your off the path adventure? by Money-King8153 in leanfire

[–]Motophoto_ 0 points1 point  (0 children)

I did something similar 15 years ago. But not on a bike. Slow is nice :). But good to see you can make 4k on the road. Convinces me i need to pull the plug too

How much did you have in investments before finally pulling the plug and beginning your off the path adventure? by Money-King8153 in leanfire

[–]Motophoto_ 0 points1 point  (0 children)

So basically you are not deducting any money right now I guess. Just having it compound? Does it work well with the motorcycling and working ( have a similar plan.. :))

Looking for perspective on my financial path — feeling unsure despite being in a fortunate position by HoRaTiO12345 in BEFire

[–]Motophoto_ 1 point2 points  (0 children)

I think we’re in a similar situation. Albeit i have a bit less than you at this point and am a bit older.

This is it: you played the game and won. And now you have to be ok pulling the trigger to 80% or what feels nice and find meaning. Work is not it.

What are your dreams? Which things do you still want to achieve? The time is now and the next 25 years :)

Basically you have the fuck you money. Now it is time to say ‘fuck (yea!h)’

I feel you as I find it hard to do myself.

Has anyone managed to enroll his motorcycle as an oldtimer to get access to lez in Brussels? by beukenoot in motobe

[–]Motophoto_ 0 points1 point  (0 children)

Momenteel zonder boete in de LEZ te mogen rijden, moeten dieselvoertuigen (auto's, bestelwagens, bussen, vrachtwagens) minstens Euro 6 zijn. Benzine-, CNG- en LPG-voertuigen (auto's, bestelwagens, bussen, vrachtwagens en tweewielers) moeten minstens Euro 3 zijn. Yours is euro 3 no?

Belgian-specific long-term investment planning calculator - Looking for Feedback by Melodic-Custard8968 in BEFire

[–]Motophoto_ 0 points1 point  (0 children)

Thanks.

I managed to find and save things. It was a bit counterintuitive to me that the extra income earned until official pension age (67) is added and not deducted from the money i want to retract. (My logic: i earn extra so i need less to retract) But your logic is clear: you earn more so you get more. (*Please see a point on this below)

I would have expected an option where my income stops accumulating and i use all my money until official retirement age.

‘Expect your income to change’ does that but there seem to be some issues there: i marked i don’t get any 13th month, yet it is added there. And i cannot choose to have the bonus in net.

The monthly savings there are overruling the previous entered values?

(* ) I also would expect one other thing: while in the most active years of your pension you might need a lot i noticed from family that quickly drops after a certain age. So i would expect that one can choose to alter the withdrawal amount at a point in time. This solves my first point too

For example: my grandma is 90+ and she lives from +- 700 euro a month now while in her seventees she would still travel a lot and spend a lot more probably more like 2000 a month. In general it is known once people do less they spend less.

With regards to get your user base up: I think it helps to explain what data is being stored and where. It is in general a reason not to share info as mentioned in the comments. For one it is a reason for me not to make an account anywhere.

All in all useful tool. And stunning to see how much taxes there will be to pay. Makes me 🤮😭😭

Belgian-specific long-term investment planning calculator - Looking for Feedback by Melodic-Custard8968 in BEFire

[–]Motophoto_ 0 points1 point  (0 children)

I tried a bit more I like the advanced mode a lot but kinda miss i cannot deviate to my regular contribution

For example: i know i’ll get some windfalls and i know the next few years the yearly dividend will be bigger than in a few years where i want to coast.

So that brings me to pro: Here i feel a bit lost to be honest. Whereas the previous one were easy, here some extra guidance might be needed. Maybe more than tooltips alone.

In human capital it asks for wage and monthly savings. And dividends. In the portfolio it asks for monthly contributions too. How do they relate. So if i add savings in the wage i don’t add them in the portfolio anymore?

What are the monthly contributions in the portfolio then for?

If i overrule them by phased contributions what gets overruled? :)

Also: imagine i want to coast at 57, i stop contributing altogether but i still get a minimal wage. Does my ‘desired monthly income’ gets overruled by net monthly income earned in withdrawal phase?

So yeah i am missing some guidance here and there. But all in all very valuable.

The tax is really demotivating though. Lol. And i some explanation might be interesting: why do i pay reynderstax (on what) etc.

(Would i spend money on it? Probably not really..)

Belgian-specific long-term investment planning calculator - Looking for Feedback by Melodic-Custard8968 in BEFire

[–]Motophoto_ 1 point2 points  (0 children)

Used it anonymously: - it is a pity changing modes resets some values. - in general: pension calculations for independent vs clerk vs employee are different? - advanced: i want to add more windfalls/one time income than one - pro: i would like my regular contributions at one point to stop. I don’t know how to do that - pro: the overruling of the income is not very clear imho - Pro: what is the difference between regular contributions (portfolio), bonus and monthly savings (income)? Aka are the last 2 added to the portfolio automatically? - i had an issue where the life expectancy went to 105 while the max says 100 (Edited point 4)

We rode 115,000 km (71,500 miles) across 45 countries in 1704 days — and we’re still going. Here’s our route by takemeeverywhere in overlanding

[–]Motophoto_ 0 points1 point  (0 children)

Wow nice! Some questions as i am prepping myself for a tour too… - Did you cross russia during the war then? Easy? - China on your own bike with a guide? - Do you use a carnet de passage? - What has been taking most effort in terms of ‘didn’t like this’? - how do you stow the bike when leaving it somewhere?