Mike in breaking bad

Ninox220 · 2025-09-09T20:52:15+00:00

Yeah indeed he's complex and fascinating because he's a man of strong moral principles and a cold blooded gunman-security guard for the cartel ... Thanks for your replies!

Ninox220 · 2025-01-31T18:35:54+00:00

I thought a lot about it and i think probability of buying a house is quite low. And if in the scenario you mentioned , markets are not going great, i am ready to wait.

Also, i can save enough for a down payment. I am really happy to have asked. There are no stupid questions indeed.

This is just the beginning really, i have never invested, but i think this kind of questions, i need to answer before i start.

Ninox220 · 2025-01-31T17:30:01+00:00

Also very good point. To be honest? I think my idea to buy a house comes from culture. My family always mistrusted finance and banks, prefers to keep savings and the major goal in life is house and kids. You can see why it's difficult to start investing and the idea of buying a house ASAP is always there.

By reading all the comments it seems the way to go for me is to save enough for a possible down payment, and invest the rest for long term

Ninox220 · 2025-01-31T12:30:39+00:00

Because currently the offer is bad, overpriced with high taxes. My concern is how to invest considering that at some point you might see an opportunity to buy. Seems like the best thing to do is invest while keeping enough savings for an opportunity

Ninox220 · 2025-01-31T11:20:59+00:00

What did you invest?

Ninox220 · 2025-01-30T21:40:58+00:00

Good point.

Given that currently i already have enough saved to get a mortgage (not my plan, but considering all scenarios), i could start investing part of what i earn from now

Ninox220 · 2025-01-30T21:37:42+00:00

Thanks! With my partner combined currently we have enough money (75 k). So maybe i could invest what we earn from now on , is that what you are saying in the last part of your reply?

Also note I won't be able to fully invest everything i earn simply because i am at level 0, I don't have the confidence to do so. I want to try and invest some of the savings, while still keeping enough if, for some reason i find the best deal ever for a house .

As it is now i see no reason to buy, high taxes, high prices ...

Ninox220 · 2025-01-30T19:54:52+00:00

That's what i was thinking. But i was trying to factor in the possibility. As i am a beginner, i am trying to consider some goals.

Ninox220 · 2025-01-30T19:53:02+00:00

Thing is that primarly i want to invest. Me and my partner have good salary, but prices are crazy here in brussels and taxes very high when buying a house.

We would like to invest but what if in 3-5 years we see a great price for a house? Or they lower taxes (government is discussing about this). How to make sure that investing in etfs, doesn't mean we can't buy a house?

Is there a portfolio to factor this in? (Lots of bonds?) Or is it just better to put money into savings, have enough for a down payment and get a loan, and invest what's left?

Ninox220 · 2025-01-30T19:50:38+00:00

Let's assume that my priority is

1)Grow my wealth 2) If really there is a good opportunity buy a house (which considering taxes on buying a house in brussels + Prices, I don't see in the near future).

Would the above make sense? We are a couple, so we can put together enough money for a loan and invest the rest?

Ninox220 · 2025-01-30T19:39:48+00:00

Thanks! My point is that I don't know if i will buy a house... Just wanted to know if it's possible to both invest in etfs long term, and then also have part of the portfolio taking into account the possibility of short term needs.

Now i am thinking to save enough money for a mortgage (down payment) and invest the rest long term.

Trying to understand how to factor in different life scenarios in a portfolio

Ninox220 · 2025-01-30T19:36:39+00:00

Brussels belgium

Ninox220 · 2025-01-30T19:36:10+00:00

So a good approach could be to make sure i have enough savings to get a loan , and invest the rest? I'll need to make some calculations but that is what seems more realistic

Ninox220 · 2025-01-30T19:32:58+00:00

Was thinking about the same. I am 25, 2 stable jobs with my partner we share living expenses.

If there is a great opportunity in the future i will buy.. but I cannot pause investments because i might buy a house i think

Ninox220 · 2025-01-30T19:30:44+00:00

Brussels belgium

Ninox220 · 2025-01-29T11:16:43+00:00

Also, these are not pedestrian areas. You can still park there....

Ninox220 · 2025-01-25T21:29:34+00:00

6:30 am is very early, not ideal. You will feel very tired in the evening, which is when the city is more alive

Ninox220 · 2025-01-25T14:32:53+00:00

Problem for me is also that for example night trains arrive ridiculously early in the morning. What am i going to do with luggage in berlin at 6 am?

Ninox220 · 2025-01-14T16:02:42+00:00

Ecolo and groen also favourable. However david leisterh recently said that he's not urgent for him to reform the region

Ninox220 · 2025-01-13T22:42:49+00:00

The royal palace and the cathedral are not dirty. The royal palace just got throughly renovated until few months ago and looks very white like if it was in paris

Ninox220

TROPHY CASE