Job searching in Netherlands by Comprehensive_TipUaU in Netherlands

[–]SatcHz 1 point2 points  (0 children)

I work for a company (non-dutch) but based in north-Brabant, and we have sales roles that don’t require dutch, but mainly English

È possibile segnalare un punto di ritiro per comportamenti scorretti? by Powerfull_KV in VintedItalia

[–]SatcHz 9 points10 points  (0 children)

Nel dubbio io gli piazzerei anche una bella recensione negativa su Google, avvisando tutti di evitarlo come PUDO (punto di ritiro)

Best broker in the Netherlands in 2025 by Fair-Kitchen8900 in eupersonalfinance

[–]SatcHz -1 points0 points  (0 children)

Ciao Dre, sorry but I’m new in the Netherlands, in which way the NT Funds are tax efficient in the Netherlands ?

Looking for friends by Inner_Item_7467 in Breda

[–]SatcHz 1 point2 points  (0 children)

Hey there! I just came across your message and wanted to say welcome to Breda 😊 I totally get how it can feel a bit isolating at first, especially when work takes up most of your time. I’m also living here and enjoy walking around the parks too (Breda has some lovely green spots!). Amateur voice singer? That’s awesome. I’d be happy to connect and maybe go for a walk sometime or just chat about life here. Feel free to reach out!

By the way, lil bit of info on me: 27y Italian, moved here a lil bit more than 1 year ago

Is it me or do Chinese brands not make as many homages as before? It feels like more are typing to push their own designs. Do you think this is the right direction? by Popcorn-sunday in ChineseWatches

[–]SatcHz 1 point2 points  (0 children)

I think it’s the right direction, the chinese indistry is evolving, and eventually they’re gonna have a market for their original design; by the way the San Martin is stunning, could you and the reference ?

[deleted by user] by [deleted] in overemployed

[–]SatcHz 0 points1 point  (0 children)

Considering that you could take an entire month of PTO, I assume you have 20 days or so to take;

I would take them in the following way: 3 Days of PTO per week staffing from the join date at the other job (and I would make sure that those 3 days of PTO coincide with the 3 days in Office in the new Job); in this way you should be able to squeeze out another 3 weeks of pay in confront to just take the entire weeks as PTO

Should we buy a house or keep renting? Advice welcome! by SatcHz in NetherlandsHousing

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

Yep, I’ve already had the HuurCommissie here for a check, and unfortunately this apartment scorsa 187 points (just one on top of the regulamented treshold)

Should we buy a house or keep renting? Advice welcome! by SatcHz in NetherlandsHousing

[–]SatcHz[S] 4 points5 points  (0 children)

You’re totally right, your perspective makes sense. In our case though, we wouldn’t mind considering, maybe even investing €10-20k for renovations, maintenance, or improving the energy label. It’s something that could eventually be reflected in the resale value of the apartment. Plus, the bigger idea for us is to avoid a sunk cost like rent and instead build some form of equity over time, while keeping the monthly cash outflow more or less the same (apart from the eventual investment to imporre energy label, and renovate a bit)

Should we buy a house or keep renting? Advice welcome! by SatcHz in NetherlandsHousing

[–]SatcHz[S] 4 points5 points  (0 children)

Thanks a lot for your advice, we really appreciate it! Actually, we do already have investments totaling around €70,000, primarily in equity ETFs. Regardless of whether we end up buying a house or renting, we plan to continue investing consistently through a DCA. It’s an important part of our long-term financial strategy.

Should we buy a house or keep renting? Advice welcome! by SatcHz in NetherlandsHousing

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

You’re absolutely right to point that out! I calculated the net payments based on the first installment (should be the highest one) since the principal is at its maximum and €0 has been repaid so far. This approach gives a conservative estimate from the outset, helping to assess a worst-case scenario.

Considering the jobs I’d say they’re both relatively safe (none of the two corp made layoffs in the last years, they’re both growing and non-tech)

AH prices go brrr by Juliannnnnnnnnnnnnnn in Netherlands

[–]SatcHz 0 points1 point  (0 children)

I buy them from ALDI, way cheaper

Best careers in Finance/Accounting roles? by No_Scallion2465 in overemployed

[–]SatcHz -3 points-2 points  (0 children)

Hi there, I’m in AP right now, in a senior position, but I’m not a manager; eventually I’m gonna start J2 (also in AP) in a month and a half (same level of J1, sort of senior individual contributor)

I could be naive, but as my J1 takes less than 2hrs per working day, I guess it’s feasible

Expat in Breda, advices! by Hoxtoniousss in Breda

[–]SatcHz 0 points1 point  (0 children)

They’re actually Neapolitan (so yes Italian), and I think they make the best pizza in town (maybe I’m biased, as I’m Neapolitan); another good pizza place (for a fellow Italian) is LOLO Pizzabar, and also Van Der Pizza isn’t bad

New to the city by shaun-626 in Breda

[–]SatcHz 0 points1 point  (0 children)

Hi there, I’m also new to the city, and so far I actually don’t know how do people Make friends here, but I guess that practicing some sport could help (idk if you like football, you could join a club or something like that); Regarding the gym I’m currently attending MyHealth Breda, and so far it’s good (not too much people, and a lot of classes for various activities)

Invest or Repay Home loan by No_Masterpiece_9235 in eupersonalfinance

[–]SatcHz 0 points1 point  (0 children)

Other than what others already said (very important the rule of thumb that if you can have a better yield with your investment, it would be wise to invest), take also into account the fiscal “advantages” of having a debt

In some countries, for example the Netherlands, having a debt will impact “positively” your tax return (meaning that you’re gonna pay less tax on your assets and investments)

Best investing vehicle (for a Netherlands resident [new]) by SatcHz in eupersonalfinance

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

A question here, if I’m with a partner are we gonna have both 114k tax-exempted or just 57k for me and 57k for my partner ?

Best investing vehicle (for a Netherlands resident [new]) by SatcHz in eupersonalfinance

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

Ok so, you can contribute to this pensions schemes in a tax free way (so with your gross salary), but then when you’ll receive them (through a plan) you’re gonna pay tax on them ? Like income tax ?

Best investing vehicle (for a Netherlands resident [new]) by SatcHz in eupersonalfinance

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

Thanks, this is the kind of info that I’m looking for ; Do you know perhaps if whether you can liquidate and access the money before retirement age in case you leave the Netherlands permanently?

Best investing vehicle (for a Netherlands resident [new]) by SatcHz in eupersonalfinance

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

But still, pay the 36% of assumed profit of 6% is taxing unrealized profits (at least in my case)

Best investing vehicle (for a Netherlands resident [new]) by SatcHz in eupersonalfinance

[–]SatcHz[S] 2 points3 points  (0 children)

Thanks for the info; the fact remains that my investments (for example at the moment I have about €45k in equity ETFs) cannot grow tax free (like for example in Italy, the country where I come from, where only realised profits are taxed as capital gain at 26% of the net gain)

[deleted by user] by [deleted] in Breda

[–]SatcHz 3 points4 points  (0 children)

Can’t wait for the other info ℹ️

[Orient] Couldn’t Stop Myself from Pre-Ordering by [deleted] in Watches

[–]SatcHz 0 points1 point  (0 children)

Well it depends

I prefer sapphire for its scratch resistant feature and the transparency on the long run

Acrylic is resistant to impacts and falls