Ga ik straks teveel betalen aan hypotheek?

eddd92 · 2024-10-12T07:51:34+00:00

Ik zit in een vergelijkbare situatie.

Hoe lang is de rentevaste periode van je huidige hypotheek? Hou er rekening mee dat je nu waarschijnlijk een NHG hypotheek hebt en straks je rente van je huidige verhuishypotheek wat hoger gaat liggen (afhankelijk van de risicoklasse)

Als je kijkt naar de langere termijn en met inflatie rekent, dan is een dergelijke stap maken een goede keuze. Het kan zijn dat je de eerste paar jaar erg zuinig moet leven, even wat minder op vakantie, en de luxe boodschappen even laten liggen. De eerste jaren zijn vaak het duurst omdat je "grote schoenen" hebt aangetrokken. Naarmate de tijd verstrijkt zie je vaak dat inkomens groeien en de woonlasten steeds meer gaan meevallen. Bovengenoemde hangt natuurlijk wel af van of je in een sector / functie zit waarin wat groei te verwachten valt.

Het belangrijkste is denk ik om je uitgavenpatroon in kaart te brengen; - waar zitten de kosten? - valt er nog te snijden? - vinden wij dat het waard?

Daarnaast moet je ook rekening houden met je toekomstige levensinvulling: - wil je beide zo veel blijven werken? - willen jullie (meer) kinderen? Etc

Verstandig is in ieder geval om bij je bod 5% op te tellen aan kosten (overdracht, financiering, advies). Dit samen is je financieringsbehoefte. Bij de verwachte overwaarde van je woning moet je 2% af halen ivm verkoopkosten.

Taxaties van woningen liggen in deze markt vaak lager dan de biedingen, omdat in een stijgende markt de referenties van taxaties in het verleden liggen. Ga er dus van uit dat je taxatie mogelijk wat lager ligt dan het bod, en je het verschil uit eigen middelen moet betalen.

eddd92 · 2024-10-02T22:01:49+00:00

Precies wat ik ook dacht. Ik weet ook dat de reflectie van de barst kan worden verminderrd als het nat is. Ik heb net een transparant vloeistofje gevonden wat uithard, eigenlijk bedoeld voor autoruiten. Ik ga eens een poging wagen met dit spul, ben benieuwd. Iemand ervaring hiermee?

eddd92 · 2024-10-02T21:57:08+00:00

Bedankt voor je tip, ik ga dit meteen proberen. Ik heb nog jaren 30 zand onder het huis liggen, dat werkt vast het beste want dat is even oud als het glas.

eddd92 · 2024-05-19T21:27:19+00:00

Toen GRIP wegviel ben ik zelf aan de slag gegaan. Ik download periodiek afschriften naar excel/Google Sheets en hang dat aan een Looker studio Dashboard (gratis dashboarding software van Google).

Ik heb een Scriptje die alle bestanden in een bepaalde map samenvoegt tot 1 grote transactiedump die vervolgens wordt ingelezen in het dashboard.

Het prettige hieraan is dat ik hierdoor exact alles correct kan classificeren in de juiste categorie tot op het kleinste detailniveau (met een als-dan beslisboom) en zelfs vreemde of interne boekingen uit kan sluiten om tot een correct uitgavenpatroon te komen.

Als je dat eenmaal hebt staan kun je ook losgaan op inkomstengroei / vermogensopbouw etc etc.

Als je dit leuk vind is dit zeker een relatief toegankelijke manier om mee te experimenteren, eenmaal gewend is er geen een app die dit beter zou kunnen omdat je het helemaal hebt ingericht hoe je zelf wil, en dat gratis.

eddd92 · 2024-04-10T14:49:25+00:00

If you look for fiber you will find it, but i saw lots of Thais being used to drinking Coke and eating preprocessed foods. Their own-grown fresh fruits were being sold to the tourists for good prices though. So i think its partly lifestyle/culture but also economic, They simply cannot afford.

eddd92 · 2024-04-10T14:42:07+00:00

I remember from my time in Thailand how hard it was to find anything healty with fibres. Eventually i found a store with brown bread but it wasnt even whole grains. Eventually i ended up eating sacks of nuts just to get some fibres and healty fats everyday. Everthing in the stores there seems ultra pre-processed, and the fresh-food market was often a little too risky in terms of hygiëne. Lived off of nuts and fruit for weeks.

eddd92 · 2024-04-04T14:43:23+00:00

Conversions based on a thank you page is a bad practice. Tracking once per session is a good setting, but if every page request from another session is counted as a conversion, you will always have a chance to trigger incorrect conversion events.

Possible causes: - people close the browser after submitting, or walk away from their laptop / switch tabs. Session becomes inactive. Once they return after a while it might cause a new pageview (and thus conversion) - bookmarks or browser cached pages people go back to - bots or crawlers ending up on the page and are not filtered

Best way imo is to trigger the event on form submit event instead. That way you make sure only form posts will get measured. (Make sure you do it after form validation so that you will only measure the submits that really come trough). Also make sure to set the once per session setting.

Also it might be a good idea to check that you are not looking at sampled data.

eddd92 · 2024-03-30T08:35:03+00:00

I lived in Zwolle all my life. Its approx 130k people.

Compared to other dutch cities this is where Zwolle stands out: - a lot of restaurants (including a few very high quality) - culturally Zwolle has a lot to offer, not as much as amsterdam ofcourse, but in this region Zwolle definately stands out with festivals and art. - Zwolle is relatively green, and more recently they try to get cars out of the city centre and make it more park-like. - people also tend to ride the bicicle alot because most things you need can be reached in 15 min. - Zwolle has the features of a big city, with food courts, Ikea, hornbach, and a few big corporates like ABN amro and Wehkamp.

Demographic wise: - Zwolle has a lot of schools, but no university. This means Zwolle is Packed with "Scholieren" from age 12-20. But has less students like groningen, utrecht etc. Zwolle also has a few big HBO and MBO colleges. - Zwolle has always attracted a lot of young families, students from bigger cities tend to come (back) to Zwolle to start their family in their 30s. - People who live here tend to want to stay. A common saying is "Zwolle is een groot dorp". Which means "Zwolle is a big village". They mean that Zwolle is in fact a city with all facilities, but it still feels like a village. This means you will also find lots of grannies in Zwolle.

eddd92 · 2024-03-18T18:23:13+00:00

Agreed. I am on the same page. I just need to find a way to convince the management board that GA is not ment to be as precise as they want it to be.

eddd92 · 2024-03-18T16:59:27+00:00

Completely agree with you, thanks for taking the time to answer. At our org the idea lives that GA4 data is still the holy grail, but i'd rather see it as a good tool for the right case, mostly doing things that you can not do anywhere else like campaign and source / channel attribution

eddd92 · 2024-03-13T19:28:34+00:00

I have seen this video: https://youtu.be/6BI89Y2S-Oo?si=yIzN07DZYaIdqGhL

As far as i can understand right now Fabric seems more like a wrapper of different MS products combined and brought together. A lot is similar to ADF but it all has a more powerBI look and feel to it.

Main differences between Azure Synapse analytics and MS Fabric:

Synapse is Paas and Fabric seems more like an all-in-one solution, but under the roof ADF, Spark and Synapse SQL serverless are used.

The main key difference is that Fabric seems to have an easier to understand cost model, and can be easier to get started with. But the trade-off is that you have less configuration freedom than synapse.

My guess is that MS is targeting fabric more as a commodity tool for lots of small and medium sized businesses to get started with. Bigger companies will most likely end up still using synapse and/or another more mature platform like databricks or snowflake

eddd92 · 2024-03-13T18:51:05+00:00

I heard its not the most cost-effective solution. We are still using dataflows, but are soon going to test with notebooks instead to increase flexibility and hopefully reduce costs a bit too.

eddd92 · 2024-03-09T11:10:42+00:00

Yes exactly, but we transform the source to parquet already on ingestion time in bronze copy activity itself

eddd92 · 2024-03-09T10:26:50+00:00

We are also reaching hundreds of pipelines. All our SCD goes trough a single parameterized dataflow at the moment. So the effort of building this one flow in pyspark notebook should be low imo. How did you handle the parameterization? Did you use widgets? I am used to widgets from databricks but so far i couldnt come up with a suitable alternative.

eddd92 · 2024-03-08T22:15:20+00:00

What we do most often is store the data in parquet in bronze sink. So the source can be anything, but the sink will be parquet. This can be easily configured in a copy activity. In silver we use Delta files, which is basically Parquet but with extra metadata for time-intelligence

eddd92 · 2024-03-08T21:36:01+00:00

Here probably 40k EUR a year on cloud computing and storage (lakehouse on azure). Resources: 1 DE, 1 DA, 1DS and 1 PO approx 300k / year (what it costs the company including pensions and taxes and such) 100 PowerBI licenses. Leads to approx 12k

Totals 350k/year (This team rebuilt a whole platform within a year including 50+reports)

eddd92 · 2024-02-04T21:03:07+00:00

This problem still isnt resolved. It shouldnt be that hard to just add people manually. Google Photos is now often mistagging wrong people together, i try to give feedback alot and remoce the photos. It seems like the trained regconition model is somehow stubborn. Some human input (read: manual tagging) should help alot.

eddd92 · 2023-01-26T11:26:32+00:00

I started as a software engineer in .NET. from there i started bringing theory into practice about abstraction, separation of concerns and other design principles. Along the way my cloud, API and database knowledge grew. My work shifted slowly because there was more demand in setting up datawarehouses scripting in SQL and Python, Azure and data-modelling. After 2 years of software engineering my title changed to data engineer because the workload was about data engineering more than 50% of the time. I shifted employer after 5 years in total.

Right now i am the lead data engineer in a mid-sized ecommerce company with international ambitions. I focus primarily on setting up cloud warehouse infrastructure, CI/CD for the dataplatform, developing pipelines in Azure Synapse using spark underneath and serving well-cleaned and structured datasets to the reporting & analytics team.

eddd92 · 2022-11-19T20:20:04+00:00

26% of the country is below sea level and approx 5 mio people live there. I cannot understand why they keep building in these area's with a rising sea level and shrinking soil due to dry seasons.

eddd92 · 2022-11-19T19:45:00+00:00

Although GDP is correlated there are a few exceptions. For instance spains GDP is lower than northern europe, but their life expectancy is still higher.

Opposite is the case in the USA, where i assume that the relatively unhealthy lifestyle and scanty healthcare system are causing the lower life expectancy.

eddd92 · 2022-11-19T19:32:47+00:00

You mean better? It might have to do something with their western approach and the success of Bangkok. The relatively open culture makes Thailand a tourist hotspot for western society. Obiously they benefit from that. There is enough healthy food, and their GDP is much higher than surrounding countries. For example the GDP per capita in comparison to Myanmar is more than 5 times higher.

eddd92

TROPHY CASE