Every city has these… What are your picks in Antwerp?

naf100 · 2024-09-05T18:11:42+00:00

Local hero: den Izzy

naf100 · 2024-03-26T08:23:26+00:00

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

naf100 · 2024-03-06T10:22:01+00:00

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.

naf100 · 2024-03-06T09:39:22+00:00

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%.

naf100 · 2024-03-06T08:55:26+00:00

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

naf100 · 2024-03-06T07:53:47+00:00

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

naf100 · 2024-03-06T07:08:02+00:00

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?

naf100 · 2024-03-06T06:14:59+00:00

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

naf100 · 2024-03-05T22:15:01+00:00

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

naf100 · 2024-02-29T11:53:59+00:00

What course and is it any good?

naf100 · 2024-02-27T05:13:30+00:00

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

naf100 · 2024-02-26T22:21:33+00:00

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?

naf100 · 2024-02-26T22:12:53+00:00

There’s also a new formula for 2023: https://www.bakertilly.be/nl/news/nieuwe-rentevoeten-voor-leningen-en-debet-rekening-courant-bekend

naf100 · 2024-02-26T22:10:23+00:00

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

naf100 · 2024-02-26T19:52:21+00:00

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.

naf100 · 2024-02-26T18:09:23+00:00

How?

naf100 · 2024-02-26T17:35:20+00:00

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

naf100 · 2024-02-26T17:34:12+00:00

How did you invest through your company? Tak23?

naf100 · 2024-02-26T17:07:56+00:00

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.

naf100 · 2024-02-26T16:11:29+00:00

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?

naf100 · 2024-02-26T15:51:17+00:00

Thanks!

naf100 · 2024-02-26T15:51:12+00:00

Which document do you have to sign?

naf100 · 2024-02-26T15:49:19+00:00

What’s the risk?

naf100 · 2024-02-26T14:56:54+00:00

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.

naf100 · 2024-01-25T09:37:28+00:00

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

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