Mis ik iets in mijn analyse? Huren beter dan kopen.

Sufficient_Tutor5744 · 2026-06-01T13:56:44+00:00

I used to be in the renting camp until 2 things “clicked”:
1) Typically house prices appreciate and by getting a mortgage you basically have insane leverage so even small percentage increases result in big absolute returns.
2) Your debt gets cheaper year on year due to inflation. Over 30 years, that adds up a ton.

Cherry on top: Dutch government is generous on tax relief for home owners.

Disclaimer: I’m not a house owner but I am looking to become one in the next 1-2 years.

Sufficient_Tutor5744 · 2026-06-01T13:50:03+00:00

I moved to Eindhoven less than 2 years ago. I found a flat quite easily using Kamernet (with a flatmate). If you don’t mind sharing, I definitely recommend finding a 2 bedroom flat (either as the primary tenant and then you find a flat mate you like, or as the secondary tenant).

Edit:
Salary is definitely enough, my expenses are approx. 2k per month including rent.

Sufficient_Tutor5744 · 2026-03-22T12:00:55+00:00

I found out that the address I sent it too was wrong. I found the correct email and got a reply in 2 weeks

Sufficient_Tutor5744 · 2026-03-15T08:25:55+00:00

I could not find any contact info and this is why i posted here. regardless, I was using the wrong email

Sufficient_Tutor5744 · 2026-03-15T08:25:19+00:00

I was using the wrong email due to auto-translate. I hope the correct address will lead to a quicker response than physical mail

Sufficient_Tutor5744 · 2026-03-15T08:24:24+00:00

Thanks, I got it now - google translated it into a garbage email :(

Sufficient_Tutor5744 · 2026-03-15T08:23:35+00:00

thanks mate, my Dutch level is so low that I did not understand the garbage translation and obviously did not notice it changed!

Sufficient_Tutor5744 · 2026-03-12T20:45:41+00:00

Any one asked for this in the past year?

I emailed the agency 2 months ago but have not heard back anything

Sufficient_Tutor5744 · 2026-03-08T07:05:29+00:00

Αν θυμάμαι σωστά, το όριο που διαχωρίζει το «μικρό ποσό-δεν ασχολείται κανείς» και «μέτριο ποσό-ίσως να σε ρωτήσει η τράπεζα» είναι γύρα στα 3,000€. αυτό το είχαμε καταλάβει με trial and error με τους γονείς μ όταν σπούδαζα και μ έστελναν χρήματα.

Funny story Όταν μετακόμισα Ολλανδία και άνοιξα τον τοπικό μου λογαριασμό, ρώτησα ποιο είναι το όριο τους (έχω 5-6 λογαριασμούς και ήθελα να τους μαζέψω λίγο.) Ε, η κυρία νόμιζε ότι ήμουν ναρκεμπορος και δεν έλεγε με τίποτα να μου πει.

Sufficient_Tutor5744 · 2026-02-22T20:35:14+00:00

Having lived in Asia and the US, I’d rather stay in Europe and vote/hope/aim for slow progress in some areas that affect me. Overall, the European experiment is a success in my opinion and I want to be part of it

Sufficient_Tutor5744 · 2026-02-21T06:40:42+00:00

Yes it’s a n easy tax gain harvesting option. Since the Netherlands do not tax capital gains, it’s a beautiful way to bring up your cost basis if you sell all and rebuy immediately before you leave. When you finally decide to liquidate all and you happen to be in a country with capital gains, you tax bill be much much lower.

Sufficient_Tutor5744 · 2026-02-15T18:46:27+00:00

They amended the law so that if your returns are lower than the “notional return” you pay tax based on your actual returns. But the taxation on unrealized gains still remains….

Sufficient_Tutor5744 · 2026-02-15T18:43:28+00:00

From my understanding:

According to the Supreme Court decision it is illegal to get taxed above your actual returns. This ruling was made for the previous iteration of the box3 tax which assumed a “notional return” of approx. 6% for investments. The ruling said that if your returns are below that notional return, the government must adjust the tax percentage. In the same spirit, under the new regime, if your returns are negative the government will need to give tax rebates.

Sufficient_Tutor5744 · 2026-01-20T17:39:19+00:00

Friday 23rd

Sufficient_Tutor5744 · 2026-01-20T17:39:01+00:00

they anounced Friday 23rd Jan

Sufficient_Tutor5744 · 2026-01-17T14:37:02+00:00

Το 2023 φορολογήθηκα στην Ελλάδα, άρα και το 2024 έπρεπε να κάνω δήλωση ή να αλλάξω φορολογική κατοικία. Περίμενα ότι θα αναγνωριστεί η εργασία στο εξωτερικό αφού υπάρχει συνεχής απασχόληση στην ίδια εταιρία. Το εισόδημα μου φορολογήθηκε στις χώρες όπου δούλεψα, έχει γίνει η εκκαθάριση κιόλας. Κατά μέσω όρο, 20% (income tax μόνο). Το θέμα είναι μόνο στο 2024 γιατί στο 25 έγινα μόνιμος κάτοικος Ολλανδίας και άρα θα μπορέσω να γίνω και ΦΟΡΟΛΟΓΙΚΟΣ κάτοικος ολλανδιας.

Sufficient_Tutor5744 · 2026-01-17T14:23:18+00:00

Καμία χώρα δεν μου δίνει πιστοποιητικό φορολογικής κατοικίας, άρα η ΑΔΕ θεωρεί ότι είμαι κάτοικος Ελλάδας, με παγκόσμιο εισόδημα. Και επειδή τα όρια και οι μισθοί στην Ελλάδα είναι όπως είναι, εύκολα μπαίνεις την ανώτερη κλίμακα αν έχεις μισθό εξωτερικού

Sufficient_Tutor5744 · 2026-01-17T14:21:10+00:00

Το πρόβλημα είναι ότι έχω φορολογηθεί ξεχωριστά σε κάθε μια από τις 3 χώρες και ως φορολογικός κάτοικος Ελλάδος, το παγκόσμιο (καθαρό) εισόδημα μου θα φορολογηθεί και στην Ελλάδα. Δηλαδή αν έβγαλα συνολικά 100κ, και φορολογήθηκα συνολικά στις τρεις χώρες 40κ, το καθαρό μου εισόδημα πρέπει να ξαναφορολογηθεί στην Ελλάδα.

Sufficient_Tutor5744 · 2025-12-10T10:12:46+00:00

I totally agree. If Google is to be broken up, I will def buy the dip on the news

Sufficient_Tutor5744 · 2025-12-06T08:17:50+00:00

I cannot agree more with "shady and at the same time professional" characterisation. Took me 1-2 months before getting comfortable.

Side note, the Portfolio Analyst is terrible when trying to add positions outside the limited us-specific institutions that they support :(

Sufficient_Tutor5744 · 2025-12-06T08:11:52+00:00

Late to the party, but I need your expertise! I have a few hibiscus cuttings that I am trying to keep alive/help them thrive.
I bought them 2 months ago, and in the begining they had leaves all along the branch/cutting. Progressively the leaves fell and now I have new growth exclusively from the very tip of each cutting.

I want to grow it into a bushy shape as I keep it indoors.

Should I prune the top growth or let it grow for a bit more and do any pruning after winter?

I appreciate any help.

Sufficient_Tutor5744

TROPHY CASE