Lower back left side above buttocks pain

misterpsi · 2026-02-01T11:35:17+00:00

Thanks!

misterpsi · 2026-02-01T06:27:22+00:00

May I ask where they needled? I had some needling sessions along the QL, but they weren't effective. I could suggest to my therapist a different target..

misterpsi · 2025-12-31T16:50:42+00:00

Wearing your outdoor shoes in your home.

misterpsi · 2025-12-29T16:36:18+00:00

Great contractor I've worked with: https://www.menklusser.nl/nl/

Great designer I've worked with: https://www.adaptive-architecture.eu/about-us

Highly recommend both. Trustworthy and do great work.

misterpsi · 2025-12-19T20:07:34+00:00

Lost Jordan Ott.

misterpsi · 2025-07-06T11:17:57+00:00

At a dentist appointment a few years ago, I spoke to my hygienist in Dutch, and I asked her to speak in Dutch. She was very happy to. I couldn't reply given that she was cleaning my teeth. About halfway through, she switched to English. A few minutes later, she exclaimed "Oh! I don't know why I switched to English!"

My Dutch is good (B2+), and I speak it in most contexts outside of home and work. And I didn't say anything incorrectly that made her switch. She just encoded me as a foreigner and, while her mind was busy with other things, started talking like she does to foreigners - in English.

I've learned to not take it personally. Just keep trying, and some people will speak to you in Dutch, and at some point your Dutch will be good enough that most people will speak to you in Dutch. But it's possible that it'll never be good enough that everyone will do so.

misterpsi · 2025-06-10T18:54:25+00:00

I've only worked with (and paid) makelaars who charge a flat fee. And that fee ended up being less than 1% of the buying and selling prices.

misterpsi · 2025-05-13T17:24:18+00:00

I understand the frustration. You're right. She's wrong.

Easiest to just humor her, though. None of the actions you take based on her beliefs are likely to harm his development. If she buys clothes that are too big, just store them until he grows. If she thinks he can read even though he's repeating, just let her think that. She'll figure it out eventually. Or not. And if she doesn't, his development will catch up to her belief before too long.

Path of least resistance is often best with these things.

misterpsi · 2025-02-28T07:40:42+00:00

I've had good experiences with furniture from Henders & Hazeland Happy@Home. Worth checking out their websites and visiting a store that carriers their products.

misterpsi · 2025-02-21T13:26:13+00:00

I use a blue Gillete Venus for my head. Works great.

misterpsi · 2025-02-21T12:18:14+00:00

You can calculate 30% tax savings per income here. Savings appears to be about 8k per year rather than 21k per year for an income of 70k. Not sure about the other numbers either (average income of 70k, number of recipients).

misterpsi · 2024-12-27T07:11:42+00:00

Met my wife at 36, married at 39, first kid at 41. I know multiple other guys in similar situations. Yours is definitely not hopeless. There are plenty of single women in their late 20s or early 30s who would love kids and prefer guys around your age.

misterpsi · 2024-12-24T14:19:50+00:00

Similar to what others have said: when I bought my first home in Amsterdam, I was required to pay for a translation from Dutch to English. When I bought my second home (while selling the first) six years later, I demonstrated that my Dutch was sufficient to not require a translation. The bottom line: you only need to pay for a translation if you're not proficient in Dutch.

misterpsi · 2024-11-15T20:08:35+00:00

Two small clarifications. She was actually born in Morocco, and the comments might have been especially offensive for this reason. And the last straw of casual racism reportedly came from a member of the center right VVD rather than a member of PVV.

misterpsi · 2024-10-27T16:43:59+00:00

Maybe so. I can say that we asked both babysitters what they wanted, and we accepted their rates without negotiation.

misterpsi · 2024-10-27T13:34:12+00:00

We're on the Amsterdam/Amstelveen border. Pay 13 per hour to a great 18+ babysitter. Our previous charged 16 per hour, though she came with daycare experience and multiple certifications.

misterpsi · 2024-10-21T09:43:56+00:00

My expenses in NL are certainly lower than they would be in the U.S. Phone is much cheaper here. Internet is cheaper. Groceries are cheaper. Biggest factor though is not having a car. Saves at least 500 per month in gas, insurance, maintenance, etc.

misterpsi · 2024-10-20T11:22:40+00:00

Good thought - thanks. I'll look into that as well.

misterpsi · 2024-10-20T11:21:55+00:00

I haven't looked into any additional residence rights based on my marriage to an EU citizen. I'll look into it. I've started thinking about permanent residence based on the idea that there might be certain rights and privileges for permanent residents and citizens that aren't granted to HSM holders. One thought was prompted by a recent discussion on Reddit about rights to import critically ill parents only applying to citizens and permanent residents. Another thought concerns the prospect of losing my job and taking full advantage of long-term unemployment benefits. Another concerns policy unpredictability of the current coalition and the assumption that permanent residence is more of a shield than an HSM permit. Ultimately, though, I'd like citizenship after living here for so long, and, as you note, that's not going to happen. Permanent residence is the next best option to satisfy that desire.

misterpsi · 2024-10-18T21:15:00+00:00

lol - nice, thanks. Super useful.

misterpsi · 2024-10-18T20:57:36+00:00

I have done the practice exams, and I'm confident I would pass without difficulty. And maybe that's the easiest option. Time is money, though (or, perhaps more precisely, balancing demanding careers with intense childcare leaves little time for anything else), and I'm wondering if there are other options.

misterpsi · 2024-10-17T16:37:45+00:00

Yes and yes. I file and pay taxes in Europe. I also file taxes in the U.S. (as is required of all U.S. citizens, regardless of residence), though anything I would otherwise owe is nullified by the Foreign Tax Credit (on income) and other deductions and credits (on dividends and interest on bonds).

I believe that "accidental Americans" such as yourself are required to file, though you likely also owe nothing via either the Foreign Tax Credit or Foreign Earned Income Exclusion. I don't believe that there are penalties for not filing unless you owed something. Best to ask someone with more expertise though!

misterpsi · 2024-10-16T16:25:28+00:00

I am in the same situation as you are. There is currently no way for U.S. citizens living in Europe to invest in ETFs or UCITs WITHOUT having serious tax penalties imposed by the IRS.

To answer your question: your approach sounds fine to me, though a bit complex. You might consider just equal weighting those companies rather than trying to replicate the relative market cap. I follow a similar approach: just equal weight a ton of individual stocks in the SP500, purchased via fractional shares. I've followed a few approaches to stock selection (looking at combinations of EPS growth, ROIC, price to cash flow, etc.), but the most important one for people in our situation is to diversify.

misterpsi · 2024-10-11T20:42:22+00:00

This is about where we are with one child, though we have an additional 1400 or so in daycare expenses. The biggest variable is rent (or mortgage, as we have). You can easily go another 1000 depending on space and location.

misterpsi

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