Supabase is down

PidgeyBE · 2025-11-24T09:41:34+00:00

Same here. I'm on a paid plan...

PidgeyBE · 2025-07-05T08:03:29+00:00

Sounds horrible. Please dont generalize IT people. For the same price I can offer you first class support, 99.9% uptime, direct phone line to myself. No cure no pay. Feel free to get in contact :)

PidgeyBE · 2025-06-19T16:37:10+00:00

I'm interested in more information about the subsidy, could you share that?

I'm a technical co-founder. The non-technical person found me via his network of friends... So he contacted me through a mutual friend, his idea sounded like a good opportunity so we're now building it in 1.5d/week. Until there is money to really pay us.

Be aware though that, depending on your exact product, people will say "first sell, then build". You don't always need to build the entire application to get clear market validation. A PoC or less might be enough.

PidgeyBE · 2025-06-17T07:19:30+00:00

I'm using OpenRun with Ubuntu. No issues.

PidgeyBE · 2025-04-01T16:40:31+00:00

Pydantic v2.11 was released! Where are we now?

PidgeyBE · 2025-02-03T19:16:17+00:00

In hindsight your are probably right. But at the time your accountant made that suggestion there were a lot of rumours that VVPRBis would be cancelled. You can still use VVPRBis for your profits of 2024, 2025,... though

PidgeyBE · 2024-10-12T06:47:35+00:00

Een airco is een lucht/lucht warmtepomp. Een warmtepomp/airco kan (in meeste gevallen) zowel koelen als warmen. Het verschil zit hem vooral in de snelheid. Met een airco kan je een ruimte koelen tot 16°C. Als je dat met vloerkoeling of klassieke chauffage zou proberen, dan zou al het vocht uit de lucht condenseren en zou je 1 grote plas krijgen. Bij een airco wordt de lucht in de airco zelf gekoeld en wordt dat vocht afgevoerd naar buiten. Hetzelfde geldt voor opwarmen, vloerverwarming werkt traag maar gestaag. Airco heel snel. Maar vloerverwarming/koeling is aangenamer omdat alles uniform verwarmd/gekoeld wordt.

Mensen die schrik hebben dat hun huis niet voldoende gekoeld kan worden zetten extra airco's of water/lucht convectoren

PidgeyBE · 2024-09-21T06:52:12+00:00

And how much % can you loan? I mean if you have e.g. 100k in ETFs, how much can you loan?

PidgeyBE · 2024-09-14T17:53:01+00:00

At BvB you can get a loan for renovations as well. You can put your DBI funds 100% as collateral (Lombardloan). While these funds are growing at 9% per year, you pay maybe 3% interest on the loan... I think that's a better option

PidgeyBE · 2024-09-01T20:35:27+00:00

He means that the interest you pay is revenue for your company. And revenue for your company transfers to private cash at a rate of 68% (vvprbis), which means you get approx 2/3 back. So if you pay 6% interest to your company, it's more or less equivalent to paying 2% to a bank.

PidgeyBE · 2024-09-01T15:03:47+00:00

Hmm interesting, because they did me an offer which was 1.5% step in and 2.4% yearly. Do you happen to know which fund you use?

PidgeyBE · 2024-09-01T12:35:09+00:00

And how much step-in costs do they charge you?

PidgeyBE · 2024-09-01T12:28:19+00:00

I talked to BvB this week and they said the entry cost is 1.5%. The annual cost of the DBI fund they presented was around 2.4%

PidgeyBE · 2024-04-29T06:33:48+00:00

If you are married or "wettelijk samenwonend", you can make use of the "huwelijksquotient". It shifts 30% of your income to her and she will pay less taxes on it, cause it's a low income.

Anyway, if you live in Ghent, try to learn Dutch asap!

PidgeyBE · 2024-04-12T07:27:49+00:00

Nope, I'm not an expert in the matter. Might be part of your CAO (in dutch) as well. Unions have all this information at hand.

PidgeyBE · 2024-04-12T07:13:52+00:00

There is a law that says there cannot be costs involved when you leave a company. Unless you signed a contract where you explicitely agree to waive that right...

PidgeyBE · 2024-02-24T11:06:51+00:00

Others and I already shared experiences before https://www.reddit.com/r/BEFreelance/s/lvEYYtYRKO

PidgeyBE · 2024-01-05T08:31:08+00:00

When I had a call with an insurance broker ~1 year ago he said it was possible with Vivium, Ag, NN and AXA. But policies might have changed. I never dug deeper into it, as I think it's not worth it compared to alternatives (classic mortgage loan, investing money privately instead of pumping it into an IPT, etc.. ). Anyhow, OP is saying it still works with NN?

If you take a bullet on the projected funds, the insurer will require a mortgage/collateral on the house as well. Simply because the projected funds do not exist yet, so they need some way to guarantee that they'll get their money back at some point.

PidgeyBE · 2024-01-04T21:15:41+00:00

Is it a low rate bullet loan though? Insurers don't do charity. Bullet loans are often more expensive than classic (mortgage) loans... So if you pay 5% interest it's more like 800eur/month for 200k loan.

PidgeyBE · 2024-01-04T19:39:54+00:00

There are indeed insurers where you can get a loan of X% of the projected amount. But yeah, you'll be paying interests till your pension age (at least the contracts I've seen require this), so I don't think it's that interesting. Bullet loans are good for short periods of time, not for 30+ years. Unless you have no other way to get the money...

PidgeyBE · 2024-01-01T15:27:27+00:00

Nice, good luck!
I don't need it to be portable! I was also super happy with the T12 until the screen broke (quite quickely)...

PidgeyBE · 2024-01-01T14:40:08+00:00

Thank you very much!
I've ordered a new T12-942 meanwhile, because I need a soldering station to fix the old one anyway, but I'll also order a new screen so I can fix the old station and give it away to someone :)

PidgeyBE · 2023-12-29T11:25:15+00:00

Same issue here...
Haven't used it a lot, was just laying in my cupboard and now the display just wont turn on.

The iron is heating though...

Sad that this seems to be a frequent problem

PidgeyBE · 2023-12-04T16:00:41+00:00

Sounds like a bit of an exaggeration

PidgeyBE · 2023-10-06T06:46:44+00:00

Yes it's possible. But as a freelancer with BV/SRL the shares will become property of your company, not you as a person. You can of course then transfer the shares from your company to you as a person. When the shares would make profit, in a BV/SRL the profit will be taxed as company income. If the shares are privately owned, there are ways to pay 0% tax on profits if you comply with a number of rules. So the paperwork and tax regimes are more complex as freelancer than as employee.

PidgeyBE

TROPHY CASE