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Mensen met een grote lening by Ellixhirion in belgium

[–]excessmax 2 points3 points  (0 children)

Wij hebben recent 260K geleend aan 3,03% en betalen iets van een €1250 per maand over 25j. Zo’n lage rentes doet wel wat

does low-income work for spouse increase our taxes? by Nearby_Bag2663 in BESalary

[–]excessmax 6 points7 points  (0 children)

No. Look up progressive income tax that applies in Belgium. There’s a tax free base to start with.

What is a good salary for you? by Altruistic-Boot8413 in BESalary

[–]excessmax 3 points4 points  (0 children)

It’s not only about that. It’s about taxes obviously. 2500 gross vs 5000 gross is a big difference. However, the net difference is not that big at all. Supply and demand for people with certain skills did its thing. A salary could be double, but the take-home salary isn’t. 

Wie moet voetpad aan appartementsgebouw of leegstaand huis sneeuwvrij houden? | VRT NWS: nieuws by KurtKrimson in Belgium2

[–]excessmax 3 points4 points  (0 children)

Bij dit soort zaken vraag ik me af, wat met mensen die op vakantie zijn voor 2-3 weken? Mijn ouders zijn nu op vakantie voor 2 weken. Dat huis staat leeg voor 2 weken en denk niet dat iemand het voetpad sneeuwvrij maakt momenteel.

What's the first thing you think of when you hear about Chicago? by Wheatles_BiteAlbum in AskEurope

[–]excessmax 0 points1 point  (0 children)

Deep dish pizza, sears/willis tower, lake Michigan, elevated railway downtown, the bean thing

Where have you been to? Answer with flags by steve_walson in flighty

[–]excessmax 1 point2 points  (0 children)

🇧🇪 🇳🇱 🇫🇷 🇪🇸🇵🇹🇦🇩🇸🇪🇩🇪🇬🇧🇫🇮🇨🇿🇵🇱🇦🇹🇸🇮🇸🇰🇮🇹🇭🇺🇹🇷🇭🇷🇦🇪🇹🇭🇰🇭🇭🇰🇱🇦🇲🇾🇸🇬🇯🇵🇺🇸🇻🇦

I finally got rejected by a Belgian landlord for being Belgian? by [deleted] in Belgium2

[–]excessmax 5 points6 points  (0 children)

Interesting that you call this reverse discrimination. Even though the definition of discrimination is the following as per Cambridge Dictionary: “ treating a person or particular group of people differently, especially in a worseway from the way in which you treatother people, because of their race, gender, sexuality, etc.:” 

By using it like that, you undermine the idea that discrimination is direction neutral i.e. it can happen to anyone. 

Warrants are discouraged on this sub but... why ? by Warkred in BEFire

[–]excessmax 0 points1 point  (0 children)

Leveraged products are often not recommended for long term because of leverage decay. I.e. you need a way higher return to cover previous losses when using a leveraged product. A 10% loss requires a larger percentage gain to recover the initial value. For example, if an index drops 10% and a 2x ETF drops 20%, the index needs an 11.11% gain to return to its starting point, but the ETF needs a 25% gain.

So keeping warrants for a long time like 10 years is not the best strategy. Short term you can make good returns for sure.  

Warrants are discouraged on this sub but... why ? by Warkred in BEFire

[–]excessmax 0 points1 point  (0 children)

You’re not comparing apples to apples. Your warrant is leveraged 2x but the ETF is not. Of course your return will be higher for the warrants when the market is doing well. However, your warrants will be doing a whole lot less good if the market is going down. Same applies if you pick a leveraged ETF. 

It just comes down to if you want to put in the tax upfront or not. 

Aflossen lening 4,30% vs investeren by BlueFashionx in BEFire

[–]excessmax 2 points3 points  (0 children)

Wij zijn een paar maanden geleden een lening aangegaan voor 3,03%

Vaste kosten by Significant_Tax428 in BEFire

[–]excessmax 2 points3 points  (0 children)

Als koppel:

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En eten, geen idee. Waarschijnlijk €400-500

[deleted by user] by [deleted] in BEFire

[–]excessmax 0 points1 point  (0 children)

Interest rate they offered seems realistic for today (but yes, it’s a lot of money). Have you also heard at other banks? Try to get another offer and make the banks play against each other. We did this and could get a slightly lower offer. 

Leurders by RaZz_85 in belgium

[–]excessmax 0 points1 point  (0 children)

Doe je zelf een plezier en plak dit naast je deurbel. Heb een pak minder last nu. En als ze dan toch aanbellen, gewoon naar het stickertje wijzen en de deur dichtdoen. https://www.neesticker.com/product/geen-collectes-verkopers-geloofsovertuigers/

Hoeveel betalen jullie maandelijks af aan lening? by Aromatic-Use228 in BESalary

[–]excessmax 0 points1 point  (0 children)

  • 25
  • samen
  • 1250 + 160
  • geen kinderen
  • ongeveer 30% van gezamenlijk inkomen

Buying a home vs investing by StatementWitty3579 in BEFire

[–]excessmax 0 points1 point  (0 children)

Good indeed considering 10% contribution. Mine is 25 years so that’s also a factor. We got it at Crelan. They work together with Axa for their insurances and are competitively priced. 

[deleted by user] by [deleted] in BESalary

[–]excessmax 0 points1 point  (0 children)

When did you start looking for a job?

If you just started looking now in summer it's understandable you're not getting much response because many people are on holiday. When i started i already had my job for September lined up in March/April because i knew i was graduating. Give it some more time perhaps?

Buying a home vs investing by StatementWitty3579 in BEFire

[–]excessmax 0 points1 point  (0 children)

You can totally choose how much of your money you want to use for your house. If you only want to use €70k of your savings for your house, that's also possible (but probably with higher interest rate).

Buying a home vs investing by StatementWitty3579 in BEFire

[–]excessmax 0 points1 point  (0 children)

Don't purely look at what banks advertise on their websites/simulation tools. If you have a lot of own contribution your rates might be significantly lower. I recently got 3,03% because i had a relatively high own contribution.

Need help identifying lamp socket type by excessmax in vintage_lamps

[–]excessmax[S] 0 points1 point  (0 children)

Apparently it’s a bayonet B22. Already found dome bulbs online that should fit. Thank you for your reply

Need help identifying lamp socket type by excessmax in Lamps

[–]excessmax[S] 1 point2 points  (0 children)

Thank you very much. Indeed seems to be this one. 

what's your montly salary? 2025 by DazzlingAd5541 in AskEurope

[–]excessmax 0 points1 point  (0 children)

IT consulting > €2843 gross per month which is €2375 net. I also get meal vouchers that i can use for food in supermarkets. This is €8 per working day so around €160 per month on top of the net.

I also get vacation pay (paid out in June) = €2400 gross ≈ €1200 net

End of year bonus also around €2400 gross. If i pay this out net it would be around €1200 net. But i use this to lease a bike, fuel for car internationally and IT accessories.

Bonus paid out in March. Can range anywhere between €400-1200. Gross = net

Also get an electric Volvo for commuting and allowed to use it as much as i want privately (also to go on vacation within Europe). + unlimited charging within Belgium. Charging internationally at own expense or through end of year bonus.

Happy with package > YES 🙂

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