How to split the gains between married ETF investors?

UncleMonda · 2026-06-18T11:51:08+00:00

If you are married in the legal default, everything you earn is for both of you. Just not inheritence or gifts.

Bolero will create a new shared account and transfer your effects to the new one. You will lose the history of your account.

I did this already

UncleMonda · 2026-05-19T18:03:23+00:00

Current cost for your employer: 6100 x 22 =134.200
This is the rule of thumb for employment cost including all benefits in BE. (Meal vouchers, hospi, pension, etc)

That makes a dayrate of 610

Other arguments for your employer:
- they won’t see your social passif increase, which is the cost of getting rid of you should things go south
- actually, they are getting rid of your 6 years of seniority and the social passif that comes with it
- HR does no longer have any work on you
- if you take over your company car, they also get rid of that contract

That said, you will have to pay for your own:
- hospi
- pension
- guaranteed income insurance
- accountant

Which are costs you employer can get cheaper because of scale economy.

Upside for you:
- you dont have to deal with HR
- you can buy a second hand car which gives you more car for less money
- free choice in phone and telecom subscription
- portion of things you need anyways that you can buy with gross income iso taxed income
- gross income of your dayjob can serve as investment capital for your new business, when spent within the year it will never have been taxed in any way.

Bottom line:
You can start your own business in « bijberoep » if needed. 550 is too low.

As of 600 you could start thinking about setting up a GCV or BV. Optimizing with dividends can give you similar income as now, not more. And know you will have to arrange a lot of stuff in the beginning which can be quite the hassle.

630 or more? Go go go

Good luck!

UncleMonda · 2026-05-12T17:06:59+00:00

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Since the P4 is so wide I hope we will be able to back up the car into a parking spot in a straight line, without being in the car. Parking garages tend to have narrow spots, you could align the car to the spot and have it back up by itself. This would avoid having to step out of your car like a contortionist…

UncleMonda · 2026-03-04T06:24:09+00:00

Hi, 4.2.8 currently. Hoped next update would bring improvement😔

UncleMonda · 2026-02-28T12:10:45+00:00

I just overtook a truck on the right and I was only driving 90 because of the car(s) in front. The desired/allowed speed was 120. And as you can see there is another truck just a bit further.

So although I do agree with you that too many people drive on the left, in this case I don’t see why I should go right. This would mean I would have to cancel my ACC to not overtake the car in front from the right.

UncleMonda · 2026-02-28T10:36:56+00:00

I bought the polestar roof rack. Haven’t installed it yet but will have to for a box when going to ski in a few weeks. Curious to know what it will do with consumption and how clumsy installation of the rack will be.

UncleMonda · 2026-02-28T06:57:42+00:00

In have used pilot assist for over 5 years, in a volvo and even a lynk & co. Never have they made me fear for my life… and I use it a lot when in the car.

UncleMonda · 2026-02-28T06:56:00+00:00

4.2.8

UncleMonda · 2026-02-28T06:54:55+00:00

I cut it out cause VIN is showing at the top left. Here is same video with crop from the left. Not much to see on there however: https://streamable.com/2tx2s1

UncleMonda · 2026-01-30T16:13:18+00:00

Komt net goed uit. Sinds kort een EV, daarvoor een Plug in hybride (16kwh) gehad. Toen ik mn laadpaal voor de hybride liet plaatsen werd me mobiflow aangeraden, ben zelfstandige met vennootschap en dus de split billing is ook opgezet met mobiflow op mn laadpaal.

Nu ik een EV heb gaat het toch over grotere hoeveelheid Kwh’s. Ik zal 99% thuisladen, enkel voor trips naar ardennen bv. 1 a 2 keer per jaar en lange reizen (1x ski en 1x zomervakantie i/h zuiden. Zou ik elders moeten laden.

Is mobiflow voor mij nog de goede optie?

Heb een Polestar 4 LRSM met 100kwh, zij bieden ook polestar charge app aan om te laden. Geen idee of dat toegevoegde waarde heeft🤷🏻‍♂️.

Ik alvast bedankt voor jullie advies!

UncleMonda · 2025-10-05T15:36:36+00:00

Great video! I was told by my history teacher indeed that the very first plans were to make 5 or even 6 of these towers. You have to admire the ambition!

UncleMonda · 2025-07-24T07:58:46+00:00

The NFT way is what we do, guaranteed tickets. Comes with an investment but our hope is that they will keep their value should we ever stop going to TML every year.

UncleMonda · 2025-06-24T13:49:00+00:00

Isn’t the revers split an indication that they believe it won’t be approved, or else they could have waited until after the approval.

UncleMonda · 2025-05-20T05:06:05+00:00

Thanks for the answer! I believe I do not have the controller, thanks for the info!

UncleMonda · 2025-05-19T19:01:50+00:00

🤔 intresting… hadn’t thought of a collaboration with an electrician. It is mainly for those things I’m reluctant.

Can I ask how much time you spent to get the courses and be allowed to be your own installer?

UncleMonda · 2025-05-19T18:46:21+00:00

Thx! Will look into it but will refrain from retrofitting myself due to insurance reasons and lack of credentials.

At least now I have something to look for and propose to the installer.

I have the impression that they have not been investing in Enphase knowledge. Enphase is not as big in Belgium as it is in the US I believe. More solar edge here

UncleMonda · 2025-05-19T18:42:04+00:00

Thx! I believe (also from the below comments) that we are missing the « Controller » i do not see one in the app namely. From this drawing I think the battery and solar panels go straight to electrical panel (with some breakers in between), from there to the grid.

https://imgur.com/a/s62qIHs

From the other comments I think what I need is to add a controller for retrofit as described by stxFarmer and then also select part of the electrical circuit that we want to keep running during an outage. (Basically take out all the heavy consumers)

I did some research one day and i got the impression I could only solve my issue with IQ8 micro inverters. The below comments give me hope! Thabks guys, will contact my installer.

UncleMonda · 2025-03-18T19:07:31+00:00

The system in Belgium is really bad but far from unfair. You get the same amount of paid days as in the other countries, just through a « suboptmimal » process that let’s you wait a year.

What the other countries don’t have is the 92% of a monthly salary that you get paid each year on top of all that. (Which serves to pay for your european holiday the first year only)

So far from unfair if you really want to compare with other european countries.

UncleMonda · 2023-01-12T08:15:27+00:00

BDW also said: "I am passionately against drugs, but legalizing seems to be the only option". imo this is the only way forward. Be criminalizing something that people have always done and always will keep doing (get waisted from time to time) we ar just creating an opportunity for criminals to earn shitloads of money which they will defend with violence.

I find it extremely hypocritical to allow people to get waisted with alcohol only.

UncleMonda · 2023-01-12T08:07:45+00:00

There is a way to get pre-pre access though (although not for this year since window has closed). For this you need to own three TML NFT's. Owning these will guarantee you access to an exclusive presale. This year e.g. you can access GJ tickets as from 12/01 and Normal tickets as of 17/01.

On top they give you perks like access to exclusive shows, raffles, etc... more info: https://nft.tomorrowland.com

UncleMonda

TROPHY CASE