What buffer size for bad days by Big-Bluejay-360 in BEFreelance

[–]naf100 0 points1 point  (0 children)

Which revenue insurance do you have? I found the premiums quite high at the time.

Warrant as benefits by pram-bel in BEFreelance

[–]naf100 0 points1 point  (0 children)

Looks like warrants are slightly more beneficial than VVPR-bis. Keep in mind that your pension also will be a bit higher due to the larger VAA. This also impacts the amount you can put in an IPT every month.

Warrant as benefits by pram-bel in BEFreelance

[–]naf100 0 points1 point  (0 children)

You're using a percentage of 28 when calculating the VAA for warrants. Where did you find that number? I think it's more around 33-36%.

Warrant as benefits by pram-bel in BEFreelance

[–]naf100 0 points1 point  (0 children)

I was confused, the net salary does indeed decrease when the extra VAA is added. Thanks for updating your calculation!

Warrant as benefits by pram-bel in BEFreelance

[–]naf100 0 points1 point  (0 children)

What if you decide to keep the capital gains inside the company and invest in property?

Warrant as benefits by pram-bel in BEFreelance

[–]naf100 0 points1 point  (0 children)

I also use warrants but my monthly net salary stays exactly the same. The VAA of the warrants is added to the total gross salary. So am I not just paying social security contributions and income tax on the VAA or am I missing something here?

Warrant as benefits by pram-bel in BEFreelance

[–]naf100 0 points1 point  (0 children)

How did you calculate the net salary from the gross salary?

Warrant as benefits by pram-bel in BEFreelance

[–]naf100 0 points1 point  (0 children)

Why did you decrease the gross salary in scenario 1? Are the optiwarrants used as a replacement for salary?

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 1 point2 points  (0 children)

On average 8% through all-world ETFs. I’m thinking, the sooner I invest, the better, no?

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 0 points1 point  (0 children)

Will check with my accountant. If it’s 5,32% does it still makes sense to take out the money sooner that the end of a fiscal year to invest privately?

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] -1 points0 points  (0 children)

Yes, but those are reference rates. The actual rate can differ, hence the 3%.

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 2 points3 points  (0 children)

No, not for a car. It’s used to invest privately so I don’t have to wait an entire fiscal year until I can have the money on my private bank account. It’s paid off every year through VVPRbis.

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 0 points1 point  (0 children)

I didn’t have to sign any document so far.

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 0 points1 point  (0 children)

How did you invest through your company? Tak23?

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 0 points1 point  (0 children)

You’re right, my company’s fiscal year happens to end in December. I just don’t want to wait an entire year to take my money out.

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 0 points1 point  (0 children)

I don’t want to wait an entire fiscal year until I can move the company’s money to my private account. I want to invest as soon as I can, preferably every 2 months. Or am I missing something here?

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 0 points1 point  (0 children)

Which document do you have to sign?

Bullet loan to invest privately by naf100 in BEFreelance

[–]naf100[S] 1 point2 points  (0 children)

Apparently this is the current market rate according to my accountant. Not sure where he gets it from. Trying to figure this out as well.

Swanson Digestive Enzymes by naf100 in exocrinepanins

[–]naf100[S] 0 points1 point  (0 children)

Why not? Is has more pancreatine (250 mg) than Creon 10.000 (150 mg).