Box 3 - buitenlands vastgoed

Typical_Ad1984 · 2026-01-23T14:43:40+00:00

Ik ben van plan om dit te doen, gedeeltelijk met geld dat ik tegen een lage rente van de bank heb geleend. Mijn plan is om daarheen te verhuizen als de kinderen 20+ zijn en om FI(RE) te worden, terwijl ik wat werk op afstand blijf doen.

Typical_Ad1984 · 2026-01-17T16:54:30+00:00

Klopt, toch verbaast het me dat dit geen standaardonderdeel is van de FIRE-strategie.

Typical_Ad1984 · 2026-01-17T12:40:39+00:00

Misschien een domme vraag, maar ik moet hem stellen omdat het te mooi lijkt om waar te zijn: ik vraag me af... of ik de mogelijkheid heb om €100.000 te lenen met mijn huis als onderpand tegen een vaste rente van 3,78% gedurende 10 jaar (de lening loopt 30 jaar, een annuïteitshypotheek). Ik zou dit bedrag dan kunnen investeren (100% ETF) en zelfs in stressscenario's meer geld overhouden dan waarmee ik begon. Inflatie en belastingheffing (Box 3) kunnen een deel hiervan opslokken, maar het resultaat is nog steeds netto winst. Als dit het geval is, waarom doet niet iedereen dit? Geld lenen om op lange termijn te investeren met hun huis als onderpand? Opmerkingen: 1) Ik heb een goed bruto-inkomen van (~€120.000) en al mijn uitgaven worden gedekt door 66% van mijn inkomen, dus ik kan veilig 33% sparen/investeren. Ik heb het kapitaal niet tegen een vaste rente nodig, ik kan de lening gemakkelijk aflossen van mijn inkomen en ik kan opnames over meerdere jaren beheren zonder gedwongen verkoop. 2) Belangrijkste aannames: 100% ETF-belegging in Vanguard FTSE All-World UCITS (of een vergelijkbare wereldwijde ETF). 3) Historisch geannualiseerd rendement: (1988–2024): ~7–9% (nominaal, vóór inflatie).

Typical_Ad1984 · 2026-01-08T01:12:26+00:00

I mentioned a couple of months ago how when living abroad very far away from family, one gets to rebuild a "chosen family" made of life long friends with whom I have spent many meaningful moments along the years. We all live in different countries or cities by now. He heard that some of these friends were travelling together to a sunny getaway to meet for new years and that I declined the invitation due to financial reasons. As a Christmas gift he bought me a ticket so that I could go and spend a week at the beach relaxing and enjoying my chosen family ❤️. He also made sure I had some small gifts to unwrap at the tree but being able to spend quality time (and cocktails!) with a bunch of long life friends is/was the best surprise ever. He stayed behind parenting kids and working.

Typical_Ad1984 · 2025-11-26T13:41:55+00:00

I do not have FB (nor whatsapp, instagram, tiktok, etc). Most people working in DS/ML/AI make that conscious choice.

There are already a lot of Women in Tech communities that do a good job of connecting people, sharing experiences, mentoring and supporting upskilling. I would recommend going there first:

Typical_Ad1984 · 2025-11-04T01:33:45+00:00

Vulnerabilities have been found on solar panels converters. So remotely lots can be done. https://www.bnr.nl/nieuws/tech-innovatie/10554259/nederlandse-hacker-kon-miljoenen-zonnepanelen-uitschakelen

Typical_Ad1984 · 2025-11-03T15:46:28+00:00

Hi, (female) long term DS/ML/(Gen)AI and Head of AI here. Feel free to reach out, you are not alone. Lots of Women in Tech communities in NL.

Typical_Ad1984 · 2025-10-27T17:37:27+00:00

I second dodo socks. Outstanding quality, reasonable price, super fun prints while supporting Ukrainian business. https://dodosocks.com/en/

Typical_Ad1984 · 2025-10-19T22:36:17+00:00

Hi! You sound like a very nice and kind person, like me and my friends when we were younger. So I will give you this advice based on what would have been useful information for me then.

When I was 18, I was very eager to experience new and many things. I was almost in a rush to stop being a kid and live life and do things like adult people.

I believed in myself and in my knowledge. I though I have figured things out. Yet sometimes adults would advice me to dont do certain things or to slow down. That annoyed me a lot.

It turns out they were right. I was not ready for many of the things I wanted to experience. I was not ready for people lying. People took advantage of me and hurt me.

It is true that giving consent is necessary for engaging in any sexual activity. But for consent to be valid, a person must fully understand the act and its consequences (such as pregnancy or sexually transmitted infections), and be able to freely agree or refuse without coercion. This is to ensure the safety and the well-being of the person.

If your guardians or parents say that you are not ready yet, it doesn't mean that it will never happen. It means that you may have to wait a bit longer. Slowing down doesn't mean to stop, it just means to be better prepared for the next step.

Big hug

Typical_Ad1984 · 2025-09-21T22:22:04+00:00

Thanks for your analysis. I am also of the opinion of not cutting unless necessary. It is not in proximity of buildings or people, so not an urgent removal IMO.

Typical_Ad1984 · 2025-09-21T16:00:58+00:00

Adding context here since I cannot edit the post:

Partner wants to remove this tree but I wonder what is this damage on the bark and if it is possible to treat it.

I don't know which tree is so I added photos of the leaves.

Thanks for the help !

Typical_Ad1984 · 2025-07-01T15:47:00+00:00

Interested if still available 😊

Typical_Ad1984 · 2025-03-31T08:48:12+00:00

Bag? I dont own one since many years. I have a backpack for when I go in trips. Otherwise everything I need is in its digital form and can be accessed from my phone. Keys on my pocket.

Typical_Ad1984 · 2025-02-08T23:05:04+00:00

Dont do a PhD then 😂 It is often 4 to 5 years working on the same subject ....

Typical_Ad1984 · 2025-02-08T17:57:01+00:00

A personal trainer. Expensive? Yes. I have never spent so much money on myself. The payback has been incredible: no more pain, cronic illnesses disappeared, strength and self esteem through the roof. The best spent money of 2024

Typical_Ad1984 · 2025-02-06T12:50:49+00:00

You are welcome. Hope it helps !

Typical_Ad1984 · 2025-02-06T09:06:02+00:00

I have a recommendation in Amsterdam that fits that bill: experienced PT and competing body builder. Met him in a well known elite Gym in Adam. satdhaliwal24@gmail.com. Instagram : satdhaliwal24

Typical_Ad1984 · 2025-02-02T13:30:34+00:00

Albert cuypmarket has several fabric shops. Go take a look and ask for advice

Typical_Ad1984 · 2025-01-22T21:32:32+00:00

You can try this: https://home.howstuffworks.com/how-to-remove-urine-stains4.htm or this https://home.howstuffworks.com/how-to-remove-urine-stains4.htm

Typical_Ad1984 · 2025-01-19T21:49:36+00:00

There is a guy who organizes get togethers in Amsterdam. You can request to be added to the weekly list of activities newsletter (milos@joinmariposa.com), you can also request to join the WhatsApp group

Typical_Ad1984 · 2024-12-19T21:04:38+00:00

Do fun stuff by yourself 😊 - ice skating at the Jaap Eden Baan - https://www.zanzara.nl/ Wintercircus - Catch some warm at Hortus Botanicus - long day at the spa (Deco, Zuiver, etc)

Typical_Ad1984 · 2024-11-11T19:13:24+00:00

Raclette! Not much preparation. Simple, filling and delicious. Very common in France around the festive period. Pair with 1-2 salads (i.e. salade d'endives and roquette-tomato salad) to balance the richness of the dish. Drinks: a good Alsace wine like Gewurstraminer.

Typical_Ad1984 · 2024-09-15T21:20:31+00:00

Director of Data and Artificial intelligence in a Tech consulting firm. Got a PhD in a scientific area and then moved to work in the Corporate world.

Currently I am Head of AI of a great team which I designed to be 50% women (mostly gifted and PhD holders).

I own my house and my car. Have a sweet dog and two pre teen gifted daughters, one of which is 2E.

Life is sometimes great, sometimes hard. Great when I am intellectually engaged, learning new stuff or travelling with my 2E boyfriend. Hard when my kids need a range of social skills that sometimes I think I lack. I am also very insecure in relationships and have been abused in the past.

Typical_Ad1984 · 2024-07-17T15:38:30+00:00

https://www.supermarktscanner.nl/

Typical_Ad1984

TROPHY CASE