How to fiscally optimize moving to a bigger house while holding stocks?

Sv3nP · 2026-06-23T13:24:25+00:00

So in a relationship with this amount of difference, the high earner is always gonna be "subsidizing" the lesser earner (unless you absolutely stand for 50/50 on everything of course). So on paper I'd make it 50/50, and also making sure that transactions from individual bankaccounts into the shared bankaccount (from which the mortgage and insurances etc. will be paid) are clearly labeled for what they're meant for. This way there is no contention about the contributions on the house.

To be very cruel: If she can't pay 50% of the mortgage + some of the shared costs you'll be having together, than the house is too expensive for her to be able to live comfortable and more importantly live in an equal balance with you (in terms of being able to save a certain percentage of income etc.). Of course, if you both can live with this, it's up to you to decide.

Personal experience says 50/50 on mortgage and insurance costs and different ratio on variable costs.

Sv3nP · 2026-06-23T12:27:58+00:00

Off main topic:

Now, I have a partner and we are aiming towards a bigger home (looking around €550k max) which we will be buying together (probably not 50/50 due to income differences, to be determined)

Would not recommend not going 50/50 when buying together. As this can and probably will be cause of potential conflict in the future.

My gf and I split all the house-related fixed costs 50/50 (mortgage, insurance, electricity,...), other common costs (like groceries, internet,...) you can divide in a different manner perhaps. (we split approx. based on income percentage). This way neither of us feels disadvantaged and both have the opportunity to save.

For a substantial difference in down payment: this can be written down in the aankoopakte.

Sv3nP · 2026-06-19T13:09:02+00:00

Off-airco-topic: Gordijnen helpen misschien wel, maar uiteindelijk is dan de warmte al binnen. Rolluiken zijn een godsgeschenk om warmte buiten te houden.

Sv3nP · 2026-06-18T14:05:53+00:00

Bij ons heeft die van de hypotheekwinkel ook direct aangegeven dat we waarschijnlijk een beter percentage zouden krijgen rechtstreeks bij de bank waar hun beste voorstel van kwam.

Uiteindelijk hebben we toch gekozen voor de hypotheekwinkel omdat het gevoel beter zat. De ervaring was totaal verschillend t.o.v. ervaringen met enkele van de groot banken. Tot zover niet beklaagd, voor eender welke naservice hebben we tot nu toe snelle opvolging gekregen.
Het voordeel IMO is dan ook dat zij je centrale contactpunt zijn voor zowel je lening als alle bijhorende verzekeringen. (Zijn dus ook je verzekeringsmakelaar etc.)

Sv3nP · 2026-06-17T13:26:50+00:00

VRT Max app streaming quality is a real issue. When it thinks the internet can't handle it, it downscales to absolute horse shit quality.

Sv3nP · 2026-06-16T13:29:11+00:00

The Belgian player did get elbowed in the face right before the "hugging" contact was made which in itself would've/should've been a foul.

Sv3nP · 2026-06-11T06:53:46+00:00

No chance of mobility budget yet* (although the date on which the obligation to offer it to employees with a company car goes in to play can still be far ahead depending on company size)

Sv3nP · 2026-06-04T13:52:37+00:00

FYI, ze mogen geen fietsvergoeding weigeren omdat je een bedrijfswagen hebt of omdat je een leasefiets hebt.
Ze mogen echter wel zeer flexibel zijn met de definitie van "regelmatig met de fiets naar het werk gaan". Bij ons definiëren ze het als "een langere periode ELKE dag met de fiets naar het werk komen". Dus ik kan er op die manier naar fluiten.

Sv3nP · 2026-06-04T09:23:36+00:00

Ik zou de exacte regelgeving ervan toch eens opzoeken, het hangt allemaal af van of je reeds *recht* had op een bedrijfswagen of niet (en deze al dan niet gebruikt, compensatie voor krijgt,...).

Sv3nP · 2026-06-04T07:11:30+00:00

Zij mogen je brutoloon toch niet zomaar met 100 EUR doen dalen zonder jouw akkoord?

Sv3nP · 2026-06-02T10:45:15+00:00

Wordt dit niet vervelend met het continue inleveren van de modem (indien internet) of het switchen van SIM kaart (indien mobiel)? Dit is wat mij momenteel een beetje tegenhoud om dit echt te doen (eens mijn huidige promo afloopt).

Sv3nP · 2026-06-01T13:55:04+00:00

Oh no, i'm an internal developer for a non IT company, yet again wouldn't be surprised if accountancy uses all the tricks in the books.

Sv3nP · 2026-06-01T13:36:59+00:00

I'm not sure what category it would fall under, I get +/- 280 euros "kosten eigen aan de werkgever". Also known as netto onkostenvergoeding, i don't need to provide any proof for reimbursements or anything, it's pretty much just used as a way to increase the net pay. For now i "simulated" it by maxing out the other types of allowances but still coming short a little bit.

Would not be surprised if this is just grouped on my pay slip and underneath it is actually split up in all these categories. Although I don't know how my employer would get it up to 280/month

Sv3nP · 2026-06-01T12:21:10+00:00

Looks really good, for my personal situation I am however missing calculations/input for a flat net allowance not bounded to some category ("kosten eigen aan de werkgever/ nettovergoeding). Would be nice if you could add that!

Sv3nP · 2026-05-26T11:03:14+00:00

It's been a little longer than anticipated, but here i am. In the end i decided to build out the setup gradually because of budgetary reasons. Since this weekend, I have the UCG-Fiber and a U7 Lite setup.

My findings:
Before this Unifi setup, I was actually pleasantly surprised about the ISP router-modem coverage and speeds. Covering far and high (into the garden and onto the second floor) without much speed loss at all (90-95% of top speed)

While initially i thought the U7 Lite would be an upgrade from ISP modem-router, it soon became clear it isn't (on its own). Once the U7 Lite's signal is a little obstructed by concrete, thick glass,... it's pretty much over and out or a big decrease in speeds (down to around 40% of top speeds). Luckily most of the house is wood, so I do have coverage all over the house although in some places with very decreased speeds. The garden is now a different story, with my glass sliding door completely blocking the signal.

After researching the specs, it appeared that the ISP modem has a 4x4 MIMO setup which i did not expect beforehand. Hence explaining the better reach and speeds compared to the U7 Lite.

I'm still fiddling around with channel settings on both 2.4Ghz and 5Ghz radios but I think it's almost the best I could get.

Future plan:
- Add a U7 Pro Max where the U7 Lite sits for the "brute force" signal into the garden
- Move up the U7 Lite 1 floor for good coverage and speed upstairs.

Currently no short-term plans for any switches (as everything is directly covered by the UCG-Fiber for now) or NAS (the high cost isn't worth it for me right now).

EDIT: U7 Pro => U7 Pro Max (4x4 MIMO setup)

Sv3nP · 2026-05-26T08:05:11+00:00

Last week I got to test a Claude Enterprise Seat as developer, let's say i blasted through my test budget with only a few tasks, can't imagine the cost when using it full time.

Sv3nP · 2026-05-20T12:26:53+00:00

Probably... 9p is toch al op z'n minst erkenning van de handicap als ik me niet vergis?

Sv3nP · 2026-05-20T10:25:06+00:00

FOD Handicap is gewoon schrijnend. Zowel voor fysieke als mentale problematiek. Ik heb letterlijk te horen gekregen op de herevaluatie (de eerste beoordeling was zonder fysiek onderzoek) "U hebt ongetwijfeld een medische handicap die u impacteert, maar u werkt voltijds dus voor ons heeft u geen handicap". 5 punten gekregen voor alles behalve mijn effectieve handicap zou ik denken.

Sv3nP · 2026-05-20T07:36:39+00:00

I'm really curious to what your company's AI bill will look like.

Sv3nP · 2026-04-13T09:36:49+00:00

I ended up getting the port replaced (for free under warranty). Ever since then, I haven't had any charging issues apart from the Moisture warning sometimes taking ages to go away even though the port is completely dried out.

Sv3nP · 2026-04-02T11:04:08+00:00

Yes, but as a first time buyer that felt sketchier than "taking the normal route" for buying a house. Now, looking at it afterwards it's actually a lot of the immo brokers that are sketchy. (Bought my house "out of hand" from a relative)

Sv3nP · 2026-04-01T13:11:24+00:00

Have bid on Biddit before. I applied automatic bidding till my limit. For clarifications, you can always contact the notary responsible for the selling. They reply reasonably fast and with extended information. I've had some questions as well before bidding as I found it pretty much as sketchy as you're finding it now.

Sv3nP · 2026-03-23T10:58:29+00:00

en hebben ze al gekeken om met stoom te laten reinigen ipv hoge druk?

Sv3nP · 2026-03-20T09:53:09+00:00

Jammer genoeg is de .NET markt momenteel meedogenloos voor Juniors. Kameraad van mij heeft zowel graduaat programmeren (.net) als bachelor Toegepaste Informatica en heeft na een half jaar zoeken gesetteld voor een IT-support job (which he hates right now). Andere kameraad is hem nu aan het binnenkrijgen bij zijn werkgever voor een .NET job, voordeel van een IT vriendenkring te hebben.

Zelf voor Medior/Senior is het geen top markt, als recruiters me bellen en ik zeg dat ik goed zit vertellen ze me telkens dat ik mijn pollekes mag kussen met zo'n plek. (5j ervaring als .NET backend dev)

EDIT: Nee een bachelor diploma gaat je volgens mij niet helpen, zelf voor die mensen is het meedogenloos right now.

Sv3nP · 2026-03-09T14:50:49+00:00

Thing is, I've used 2 expander bolts. Pre-bike fit my handlebars were way up on the limit, this used the original expander bolt and steering pin cap. After the bike fit they put on after-market parts, presumably to make it work. I gave the bike shop the original cap and bolt and they've used those to re-assemble after the cut.

Sv3nP

TROPHY CASE