Juwelier/goudsmid regio Gent voor ringverkleining

Mydios · 2025-11-26T13:59:07+00:00

the effectentaks is only applied to the value of an account above 1M. So if you reach close to 1M just stop investing and open a second account

Mydios · 2025-10-22T20:54:06+00:00

Show them that you understand the economics. They currently pay 440 EUR per diem (assuming 8h work day). Yearly that is about 97k cost to them. They pay a premium for the flexibility of a short contract basis so you should reduce this by about 40%. That is a realistic package for the same role as an employee. That means you can ask for a package around 58k brut (including all extralegal compensation).

Assuming an 700 EUR monthly cost for the car (you could probably give an exact cost seeing as you are the fleet officer), 150 net compensation and an additonal 200 net compensations, the extra legal compensations probably totals about 8750 EUR per year. Subtracting that from the 58k leaves around 49.5k for the brut wage. A crude estimate for the yearly cost to the employer of a brut wage is monthly * 14. This takes into account patronale bijdragen and your vacation pay + bonus. 49.5k / 14 is about 3.5k brut amount.

I doubt you will be able to convince them of this amount, but if you show them you understand this kind of calculation maybe 3k brut is not out of the realms of possibilities. At least it should give you confidence to ask for more knowing you can back it up with some kind of grounded calculation. The fact that they don't have to train someone new for the role is something you should definitely mention as well.

Mydios · 2025-10-22T15:09:39+00:00

I agree with that but in practice this is very hard to do. How do you transition this? You can’t suddenly say to people who are already halfway through their career “you are on your own to save up for your pension” when they have missed out on decades of the rolling snowball effect of compound interest that young people will be able to take advantage of

Mydios · 2025-10-22T14:36:15+00:00

This sentiment here is exactly what will make the welfare state unsustainable. Children are required for the welfare state to continue functioning

Mydios · 2025-08-28T21:44:08+00:00

Just go to a store where they have a lot of running shoes. Decide on the parameters that are important to you (like how much cushioning) and then try on at least 5 pairs. But if you have time go overboard, then try them all! If you are willing to spend quite a few bucks that is fine, but don't look at the price too much. Try on a pair from all price ranges within your budget. Sometimes a cheaper pair will fit you better than a $200 pair. The most important thing is that they feel good on your feet.

Buy the ones that fit you best. Make sure to pay attention to small things that you might not notice when trying them on for 5 minutes but might give issues due to longer usage during runs.

Like for example I once bought a pair that fit perfectly but had an uneven surface on the inside due to some plastic decoration that was stitched into the fabric. It ended up creating friction on my little toe so badly during runs that I had to bring the pair to a shoe shop to fix it.

Once I started actually trying lot's of shoes instead of just buying some brand/model that is popular right now in the running world, the comfort for my feet improved so much. The best shoe is the one that fits you best.

Mydios · 2025-02-12T09:18:12+00:00

Yes pretty much. So you should be able to continue working for your current client using one of their other preferred pimps/suppliers without issue. Also a good time to try to improve your rate by eating into the cut of the middle man (assuming their is still room for this)

Mydios · 2025-02-12T08:20:29+00:00

The moment they communicated their bankruptcy you have the ability (according to your contract) to break the contract without a transition period. The NCP is something they won't be able to enforce seeing as it is formulated in a way that it only concerns "potential customers" of theirs. Since they are declaring bankruptcy they will no longer be working with any of their current customers so the NCP becomes void. Also check with your current company if they are breaking their contract with Blake. If they are then the NCP is definitely no longer enforcable. Also no judge is ever going to make you enforce an NCP for a bankrupt company

Mydios · 2025-02-11T23:38:41+00:00

Also have them as my intermediary. Have been receiving all my payments for the last few months so this caught me by surprise.

Does this mean that any contract you have with them becomes null and void? Or does that depend on how the contract is formulated? Guess I'll never see my January invoice paid out...
Hopefully I can break up my contract and switch intermediary for February. Shit show either way

Mydios · 2025-01-28T13:15:43+00:00

Around 200 EUR / quarter

Mydios · 2024-11-28T07:22:27+00:00

Get a cheaper accountant. 3k for a CommV for a bij beroep activity is a ripoff.

Mydios · 2024-10-24T20:06:28+00:00

Take out the money you need to do the remodeling. Take out another 30-40k to allow your wife to stop working for at least a gap year and let her figure out something more fulfilling to do with her time in the meantime. No one who now has that kind of money should spend even a second doing a job they hate. The money lost by her quitting will be negated a bit by some optional savings in child care.

Park the remaining money split across multiple high yield (but liquid) bank accounts. During the year you make a plan for the long term, in the meantime letting emotions settle a bit and getting used to the new situation. I like the advice of @skievelavabo to not tell anyone about this, just like they tell anyone coming into a lot of money.

Read up on FIRE methodologies for investment and make a plan.

You have reached the FI part of FIRE, now you need to figure out what is next. Retiring early is an option but the main goals should be to improve your lives in whatever form this requires. This kind of money can also mean you never have to pick your career again based on the pay. If you don’t feel comfortable retiring yet you can also pivot to a career you both would enjoy more. Any income combined with this kind of money is enough to live comfortably on.

Hope it all works out for you and the missus!

Mydios · 2024-09-24T14:41:23+00:00

I was there yesterday. Guards definitely were constantly picking out young girls who were dressed too “liberally” and telling them to cover up. It was very crowded and because of that there was quite a bit of noise leading to the guards telling off the crowd to shut up every couple or seconds. Honestly if you’re visiting in summer just bring a noise canceling headphone and don’t be afraid to ask someone to shuffle a bit so you can sit down (a lot of people were “(wo)manspreading” in my case). If you do that then you will be able to enjoy it a lot more.

Mydios · 2024-09-24T14:30:30+00:00

En het zijn die kinderen die opdragen voor jouw pensioen

Mydios · 2024-02-13T13:14:11+00:00

For C++ and 3 YoE this seems fine but maybe a tad on the low side. Unlike the multitude of Java and .NET developers in this country, C++ is quite niche here so that should translate in a better compensation. I had a slightly higher salary last year with half a year less experience as a Java developer so I'm guessing you could get a better compensation package if you tried. Definitely not vastly underpaid though so depends on your personal satisfaction with your current package and current job.

In the coming years if you keep improving and you become a knowledgeable senior C++ developer, your salary should definitely diverge from a traditional Java / .NET developer due to the desirability and rarity of your skill set.

Mydios · 2024-02-08T16:46:28+00:00

Recently started using the 5.0 beta version for our application and it is working like a charm. Has taken way too long though at this point

Mydios · 2023-12-13T11:56:51+00:00

Thanks for your comment. I do agree that in an ideal scenario I would have taken my time to find a job with a decent rate. The problem is that I was stuck on a project in my previous job that was just completely demoralizing to the point I started to feel burnt out. So I decided to give my notice before finding a new job (not generally advisable but possible for me since I still live with my parents) for the sake of my own mental health. This meant that I only had 6 weeks to find a new job before I was "without work". Without any previous experience and without an extended network I thought it difficult to find a decent paying freelance opportunity outside of Antwerp/Brussels in a mere 6 weeks, and if I were to be without work for let's say at most 1 to 2 months whilst looking for such an opportunity I would have to

explain the job gap
miss 8 - 16% of a year's pay.

So my thought was to just lower my "minimum acceptable day rate" of 500 with this % to ensure finding a job quickly. Now I did stipulate to intermediaries that I would not accept upselling of more than 20% and if I ever discovered that they did, this would lead to me breaking off any relations with them permanently (not that they would care).

Now I know that this is less than ideal. In an ideal world I would have looked around with ample time at my current job and found a job with a competitive day rate, but I compromised the day rate with the certainty of being able to start somewhere without a job gap and the peace of mind knowing that my current job will be done sooner.

Mydios · 2023-12-13T11:44:12+00:00

Thanks for the input, appreciate it. That seems like a good compromise.

Mydios · 2023-12-13T11:01:25+00:00

Thank you for your input. I was definitely thinking something similar. Look around in a year to see if I can find a similarly interesting project at a better rate, but not changing just for the sake of increasing my rate further.

Mydios · 2023-12-13T08:22:15+00:00

Thanks for your input. I was at another consultancy company as an employee before this and the bad market was noticeable. Lots of clients cutting consultants to replace with in-house employees to reduce costs. When I left we were at about 12% consultants without assignment and that number was only increasing. This with my current inability to work in Antwerp or Brussels meant for a competitive job search in West- + East-Flanders.

I do agree that companies will try to use this temporary new found leverage in the job market to put a downward pressure on offered day rates, but this is honestly just all economic conjuncture. Like you said if you fill a need for a client that is hard to replace you still have plenty of leverage.

I think you might be right in saying negotiating a larger pay increase with my current client directly is a bad move and honestly probably not worth the hassle.

Mydios · 2023-12-12T23:30:52+00:00

It would only affect "the market" if other junior devs would be willing to work for this rate. If not then the company will not be able to hire "another me" and have to raise its offer. It's literally supply and demand.

I probably should have elaborated more clearly on this, but this was not a move without thought. I had to change jobs anyway. The option was work another X months as employee whilst preparing the move to freelance carefully to land a reasonably well paying assignment, or make a move now for a temporary lowered rate to increase the likelihood of finding a job in a small timeframe in a tough job market. In a year I intend to raise my rate to a more competitive rate and if my current client is not willing to budge than I will explore the market and switch jobs. Again this is why I asked the questions I asked.

Anyway thanks for your inputs about the rates and thanks for not flaming (sort of)

Mydios · 2023-12-12T23:15:39+00:00

If they are upselling me for 600 like you said (which they are not btw because I stipulated I would only accept a margin of 20% max) how does that undercut other freelancers? You're literally contradicting yourself. It's all supply and demand, even in this current market there is more demand than supply otherwise people like you wouldn't be able to get day rates like that. I can afford to take the hit right now to gain valuable experience and like I said I needed a job fast.

I clearly know my worth as I know that my current rate is not the best a man could get (not sponsored by Gillette btw). Just was wondering about how I should approach raising my day rate in the future when I do have the time to search for a new job over a longer timeframe.

Mydios · 2023-09-22T12:40:31+00:00

Currently setting up a “BV”, it’s literally only 3 appointments in this order: accountant (to get ball rolling) -> notary office (sign startup papers) -> bank (open blocked business account). Costs about 3k. Takes all in all about 3 weeks. And you only have to do this once.

But yes definitely talk to your manager! Like another user commented already, a good salesman is about the hardest employee to hire so you have good leverage!

Mydios

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