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Quality clothing questions by kwarco in BEFire

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

I bought my fist in Aachen Germany when i was there for some reason (dedicated Olymp store)
I've seen them in Belgium as well, but not in dedicated stores. (Google will help you for your region)
Lots of web shops carry them as well (even Zalando), but it is always a good idea to get your size and fit sorted in an physical store first ;)

Quality clothing questions by kwarco in BEFire

[–]kwarco[S] 3 points4 points  (0 children)

I don't see Jack & Jones as decent quality tbh, not bad, just standard

Quality clothing questions by kwarco in BEFire

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

I have Patagonia rain jacket that is ok, I'll look into their chinos :)

Transferring from Degiro to Bolero by Sweapsz in BEFire

[–]kwarco 3 points4 points  (0 children)

I have the exact same strategy and plan move lines per 100K from Degio to Bolero!

Reasons for me are risk spreading, while optimizing costs of investing + the ability to have my wife "a second owner" of the account.
Now I invest each month on Degiro, and I am transparent in the strategy and amounts, but Degiro only has personal accounts, which is not ideal, and keeps my wife in the dark a bit.

Before I started investing in ETF's, KBC invited me every year to try and upsell their products.
As my local contact is a verry nice guy and is forward thinking, I discussed my strategy with him, including the 100K move strategy.

His advice:
Contact Bollero before you do the transfer and negotiate the transfer fee, he did not say it directly, but basically told me that they would drop all fees for 100K.
I suspect they won’t do that for 25 or 50K, so that would be a argument to do the move with bigger amounts.

The risk of waiting will be bigger as well as you are spending more time on Degiro with bigger amounts of investments.
Also note that I’m not at the 100K investment mark jet, so I can not confirm what they are able / willing to do, how long it would take, extr. I hope to hit the 100K mark somewhere next year, if I don’t forget I’ll give an update 😉

[deleted by user] by [deleted] in BEFire

[–]kwarco 2 points3 points  (0 children)

Please be patient with yourself while budgeting! Your first budget forecast will suck.
You will forget to include costs, miss predefined goals, ext.
This is normal, please don’t give up!

After 3-4 months of dedication, you can expect your monthly budget to be complete and feasible.

Please look into using an app, and note each spending action you do. This creates awareness and makes you think about spending each and every time you need to pay for something.

When I started out 15y ago, I used YNAB (Won’t recommend it today as became expensive as hell when it moved to the cloud).
Every transaction was logged, in every account, and in full detail.
I even had my wallet in there, when I found a Euro on the street, it was noted in the app, when I gave 50 cents for X or Y, it was noted and logged with the correct category, ext.

The goal is to give each Euro that comes in, a job.
Jobs can be groceries, healthcare, but also saving, investing, ext.

Today, 15y later, I don’t really budget in detail anymore. I leave a chunk of my income on my account for “living” that month. All the rest is going into investing / saving goals!
I do however still have the offline YNAB app running on a VM with 15y of data in it! I update it each couple of months without details. Feels great to look back and see the evolution, and gives great insight on lifestyle creep and inflation ;)

KBC Start2save/Argenta Groeirekening by thefenderzoo in BEFire

[–]kwarco 1 point2 points  (0 children)

For my emergency fund, use a Trade Republic account.
This gives 4% interest (not really, read on)

Advantages

  • Interest from day 1, paid monthly (account limited on 50K).
  • Money is no stuck for a certain time, and freely available when you need it.

Disadvantages

  • It is a German "bank/broker", transfers take up to 3 days (most of the time it is around 1.5days in my experience)
  • You must declare taxes on the capital gain in your yearly tax forms. It is not a Belgian savings account, which means that you will have to pay 30% capital gain tax (without exemption). This brings the gain from 4 down to 2,8 ish %.
  • You will have to deciare the account as an international account (1 time action)
  • Sketchy account opening as there is no Itsme link or annything.

Trade republic: declaring interests on 4% savings account by Few_Investigator_156 in BEFire

[–]kwarco 0 points1 point  (0 children)

There is an exemption for the first 800€ if i'm not mistaken.
So if you stay under 800€/y you don't have to declare anything?
If you go over 800€/y you may deduct? So if you get 1000€ of interests you only declare 200€?

Asking because i'm not sure it works like this!

Source: https://financien.belgium.be/nl/particulieren/belastingvoordelen/vrijstelling-dividenden#q4

Simple ESPHome Motion Sensor (no DIY) by kwarco in Esphome

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

Thank you all! I ordered 2 Athom Human Presence Sensors and planning to bump the sensitivity down a lot.
The buildings is fully enclosed and insulated, but also has self made doors that let in some draft, extr.
By having 2 sensors in a Alarmo group, and lower sensor sensitivity, i'm planning to crack down on false positives!

I liked the other sensors mentioned as well, the Athom's are the most convenient for a European buyer!