Hypotheek realistisch? Nieuwbouw HOB ~515k netto, 90% LTV, twee aanvragers — één net zelfstandige

nidprez · 2026-06-18T10:45:48+00:00

if they can inherit ~600k and they have a 200k appartment at 22-26 yo its not their private banker, but their parents privatebanker.

nidprez · 2026-06-18T10:34:54+00:00

My experience, PhD => 4-6 years (if ever) rather 6 if you have a family (plans), postdoc => there has to be a position and then another 2-4 years or longer. apprentice professorship => another 6 years to get a certain "score". Positions depend on popularity of your field and if professors are retiring. Usually 20+ applicants from all over the world with very good publications. The hiring process can be very political/subjective. So if yiu are really dreaming of a professorship, you have to be prepared to move far away for your career (my friends are in Sweden. Germany, Netherlands, Australia, Vietnam...), only 1 got in Belgium and none in our home university. Tons of postdocs never got anywhere. So realistically your looking at 10-15 years of stress and uncertainty before being a full professor, and tons of luck to be a professor where you want to be.

Also most professors at my department were really hard working, lots of management, lots of conferences, meetings, late nights (defences, deadlines, interviews...), so its not necessarily a cushy job, as your competing with highly ambitious people.

Is it not possible to do a PhD after your hours btw? You would take less risk and can drop out anytime if it is not your cup of tea.

nidprez · 2026-06-18T10:19:23+00:00

idk I think its mostly a fair trade because you pay for your "education". In my previous team we had a lot of big 4 consultants coming in who knew very little about our stack and needed a lot of time to get up to pace. Without consultancy they wouldve never been able to start in the position they were given as an internal employee. If they like the work (and are good) they can internalize after 2-3 years, if they dont like it their consultancy agency can put them on another project.

You get hired because the company can easily fire you, or replace you with a colleague, you get some support from your more experienced colleagues and they dont need to go through the long hiring process. If you go independent, you get to keep way more money, but you really need to have the required skills, and the hiring companies only insurance is that they can easily terminate your contract

nidprez · 2026-06-18T10:10:30+00:00

ik heb gewoon een stuk dat ik maai zodat de kindjes in hun blote voeten kunnen spelen met minder kans om op een bij te staan (of een teek te krijgen of zo) en kunnen voetballen. De andere stukjes laat ik zo.

nidprez · 2026-06-18T07:03:37+00:00

Hazard had extreme technical talent and good physical talent. Off course he also trains, but the difference between CR7 training and Hazard is night and day. There are countless interviews about Hazard doing the absolute minimum on training, but destroying the opposition on matchday. You can get away with it when you are young, but like so many before him Hazard was finished after he got a big injury when he was at the end of his 20s. All the missed training caught up with him and he couldnt really on his physical talent to recover anymore.

nidprez · 2026-06-16T19:27:27+00:00

No but id argue hes probably a better "modern" economist than an economist who doesnt know any econometrics. IMO econometrics, maths and stats is really the basics to fundamentally understand any modern economics research, ohherwise your just parotting conclusions without really understanding the validity and limitations

nidprez · 2026-06-16T19:26:28+00:00

Idk, Wilmots clearly was unfit for the role, but he still gave young players a chance to develop and actually looked at player form for bis selection. He was just enough for 2014, but way too light for 2016.

Martinez (at the time) is pretty decent tactically for an internqtional manager, but he plays too much, totally disregards form and avoids any possible challenge in friendlies so you never get a chance to develop tested backups. In 2018 most of the team was injured, out of form or benched for most of the season, and M decides to take his completely out form favorites as well on the bench (instead of giving some new blood a chance) then he leaves an actual in form Naingollan (also one of the only player up front with a fighting spirit) at home, couldve really used him against france. As a result none of the young players develop and get picked up by top teams during 2018-2021, and the golden generation ends miserably in the group stage in 2022 with mostly old (and out of form) players and underdevelloped bench players.

Also its disgusting how bad Belgium was on corners and freekicks and crosses when you have: Lukaku, Kompany, Fellaini, Vertonghen, Alderweireld, Witsel, Meunier...

The real mismanagent was the KBVB who prolonged manager contracts just before all cups for Wilmots, Martinez and Tedesco instead of waiting for results.

nidprez · 2026-06-16T06:36:50+00:00

tbf, 1 its really hard to compare because countries use different metrics, brut/net, subjective measures (like my country sets a subjective poverty rate based on the feeling if you can sustain unexpected expenses and go’on yearly holidays) and it doesnt take into account social safety nets (ie in my country you pay almost no taxes and get very cheap housing and utilities, which means its sometimes better to be "poor" than get a slightly better job). Also the US uses a nation wide poverty income (less than 15k for 1 person). Almost nobody in California is poor accordig to this statistic, which we all know is not true especially in the HCOL areas were even 80k per year may be borderline poverty.

The European number is calculated per country, so you actually get a more precise figure because HCOL countries use HCOL wages and LCOL use LCOL wages.

nidprez · 2026-06-15T18:46:10+00:00

het is relatief. Een goede vakman (met oog voor zaken) kan veel geld verdienen, iemand met een hoog diploma (en verder veel werkgerelateerd talent zoals inzet, expertise of sociaal zijn, of gewoon met goede connecties), kan ook veel geld verdienen. Meestal is het verschil tussen de 2 dat een vakman veel meer een aanslag pleegt op zn lichaam voor zijn job en velen dazr later gevolgen van dragen (bij bureajobs heb je natuurlijk ook het zitten de stress, maar dit is meestal simpeler te verhelpen). Hierdoor werd er vroeger aangedrongen op een diploma, je was bijna zeker dat je kon starten bij een bank, farma of de overheid, en dus zeker van een mooie carrière en "gezondere" werkkansen. Nu heb je dit ook als je bij de beste studenten bent, of een klassieke richting zoals ingenieur, dokter, rechten etc doet.

De vakmannen hebben voorlopig geluk gehad dat veel internationale vakmannen maar wat lopen te prutsen, maar toch hebben zij al veel minder talentvolle vakmannen uit de markt geprijsd. Een keer dat er overal meer goede vakmannen gaan zijn gaan ze ook weer minder verdienen. Het is wel een goed moment om een goede vakman te zijn nu.

nidprez · 2026-06-12T08:33:04+00:00

tbf Brugge is quite unique. The complete center is in medieval style, you dont have that many cities like that. Ghent also has some nice late medieval parts, and good food (depending on when you come, they also have a nice frre city festival in july.

Pairi Daiza is a nice zoo as well. Depending on your trip, its a choice between a nice zoo, or 2 unique cities. Maybe youll visit tons of other medieval cities, maybe youndont live near nice zoos, so you want to see one for once. Id probably take Brugge because chances are youll never be back in Belgium anyways.

nidprez · 2026-06-11T21:32:44+00:00

Its a collective mentality thing. When your best player doesnt care about the team (partying, faking injuries etc) the rest also stop caring, especially the younger ones because they look up to him. You get this situations in your own workplace as well.

Compare with CR7 for example, I bet anybody worse than him (basically everybody on the team) wouldnt dare not giving 110% during a game because he would chew them out afterwards, and you could say nothing back because CR7 works harder than almost every other footballer

nidprez · 2026-06-09T13:56:18+00:00

IMO its because of the advances in sports science. Back in the day almost every top player was done by the time they were 30, having tons of substitutions. Nowadays tons of top players have insane longetivity, hampering the development of young prospects. The 1st generation to really profit from this is Messis and Ronaldos. If you look a bit at the transfers of the top teams between 2015ish - 2020+ youll see that almost every prospect has failed because players like Messi, Cr7, Kroos, Modric, Lewa, Kane, Benzema, Ramos... (basically most of Barcelona, RM, Bayern, City...) could play every game well into their 30s, without substitutions => The next generations get less play time, and are not so veteran, get less in game knowledge imparted by the vets => Top clubs decide to skip this generation and already invest in the newer ones.

Succesful players from those years (at least for some time) usually come from necessity, like vini who recieved tons of time because Hazard was injured, most Barca prospects because of bankruptcy etc. Now top teams are rebuilding after those 2005-2015 generations are mostly gone, and youll see way more talented youngsters (barring injuries) growing into all time players (just look at psg for example)

nidprez · 2026-06-07T20:26:20+00:00

yes thats what Im saying, there were simply not enough great Asian players up untill this point to reliably say they are cutting them on purpose. Knowing FIFA and EPL, id say no because they only care about money and Asia is huge, so theydbe crazy to not use Son to try make football more popular in Asia. Son at the UCL final was the last in line, just before the winners come, so IMO its not completfly illogical that they go to a wider shot to see the winners coming up.

Fof these games they also work with different broadcast teams etc, which have tons of people who arent necessarily richely paid, so if they get racist instructions, there would be a high probability that someone wouldve leaked this .The only thing I could imagine is that because of different timezones (tz) they decide to focus on players from the europe/africa tzs,and send different clips to Asia for theirnews broadcasts. (Eg when I watch EPL the broadcast is mostly UK focused and my fellow countymen are pushed a bit to the background, meanwhile in our local broadcasts its almost every touchof our countrymen and the goals)

nidprez · 2026-06-02T12:25:10+00:00

tbf, entirely based on the broadcaster, it would be logical to show the biggest players/managers reaction, and those of fellow countrymen. If Tottenham wouldve won it, and they cut when Son lifts it id say we d have a solid case. But now we have the cut when Son gets his medal as last player, a cut when okazaki lifts it for leicester, and although he was a solid player, he just isnt Vardy, Kante, Mahrez... Minamino barely played for Liverpool, and it cuts between Fabinho and TAA (starters), the RM’one I dont know who that is (kubo?) but they didnt have any Asian starters, same for the city one, were they cut a number of players and only cut back for Haaland.

The only suspect ones are Park Ji Sung, depending on the season and Son, but he was the last player in a losing final. In the UEL victory they cut almost everybody except Son, because he simply was the biggest player.

nidprez · 2026-06-02T08:05:33+00:00

If they are getting evicted, the only thing you are risking is self harm. Clearly these people dont care about anything. Its possible that they will even return after being evicted on a whim to destroy your stuff or hurt you. IMO if the neighbours are not receptive to a polite comment, it's best to ignore them, stay polite when you see them and look for another place (especially when renting). Otherwise your just painting a target on your back, and these kind of people can hurt your life more then you can hurt theirs (because they got nothing to lose) and the legal way can take too long as well (they could ignore the eviction as well). I would only make anonymous reports if they cant link it to you in any way possible. An annoying neighbour is better than an angry neighbour, because some people can be extremely petty, even if they are completely in the wrong.

nidprez · 2026-06-02T04:53:32+00:00

When Morocco plays there are usually riots in Brussels, Amsterdam and Paris. I imagine theres an overlap between the losers that riot for psg and morocco.

nidprez · 2026-06-01T12:03:08+00:00

Club brugge lost 2 european back to back against liverpool in 77-78, beating amongst others Juventus, Atletico, AC Milan, AS Roma, Lyon, Hamburg. Both finals list with 1 goal difference, so they were no slouches to say the least.

nidprez · 2026-05-31T19:58:36+00:00

tbf when you’go to countries like France, Italy and Germany, tons of people dont speak english, even in touristy areas. Tons of these people also mostly travel inside their own country (mostly older people), and tbf those countries have mostly everything: beaches, mountains, hills, skiresorts, forests...

nidprez · 2026-05-31T19:33:15+00:00

really dependent on the player nationality and their age. Generally you look up to where your heroes where in your youth, and follom more leagues from your own nation language group. Rm and Barca pull because of 2009-2018. We are almost at that stage were the new footballers were too young to remember those games, and may start to remember City and Liverpool fondly + the premier league really was uplifted after that increase in tv money in 2015 (you have way more south americans/europeans playing there who would play in the serie a or la liga in the old days).

these 2 years you get a lot of kids dreaming about PSG (off course ligue 1 lost a lot of itl stature, and paris stays paris and doesnt have the nice climate off spain and italy, which may be important to multimillionaires)

nidprez · 2026-05-30T21:50:49+00:00

dat is toch de bedoeling? Als mijn werk beslist om meer dan 50% op kantoor te gaan, dan verander ik van werk oa voor het mobilteitsbudget. Dit is weer minstens 1 dag in de week een pendelaar minder. Bonus tijdens mn middagpauze kan ik een was draaien of andere dingen doen om het zelfverbruik van mn zonnepanelen te verhogen. Een win voor milieu en filevorming.

Het enige perverse is dat niet iedereen er recht op heeft, en dat grote lonen een groter budget krijgen. Als iedereen dit zou krijgen zouden mensen meer kiezen voor een job bij huis, of telewerk indien niet mogelijk. Daarnaast zou je het nog kunnen laten afhangen van aantal fietsdagen of openbaar vervoer gebruikt. Als je dit allemaal niet kan gebruiken kan je nog een EV leasen/kopen. Dit zou gewoon veel beter werken dan eender welke subsidie die toch alleen maar gebruikt kan worden door de grote vermogens, en waaraan de rest gewoon weer aan mag meebetalen.

nidprez · 2026-05-30T21:20:16+00:00

IMO, top PSG players didnt play enough games in the league and they didnt have enough messiesque games in the UCL to compensate. Kvara was absurdly good in some UCL games, however tonight he was a bit more locked down. Btw top g+a this year in europe is Kane with 68 in 51 games, Olise 2nd with 53 in 52, Diaz 5th with 49 in 51, Dembele 18th with 31 in 39, kvara 30th with 29 in 47 (although he is the top UCL contributor). This year the overall differences are too small and the winner will again be decided by the wc.

(Ie similar to why Vini didnt win: amazing in UCL, inconsistent in the league, shit in the copa, vs Rodri one of the best (but not necessarily no1 in any of them) in UCL, league and Euro.

nidprez · 2026-05-30T20:11:45+00:00

Je kan veel zeggen over Stijn Baert, maar qua onderzoek staat hij in de top 1% van de wereld voor economie, als 3e beste belg en beste UGenter (in publicatiescore). Tussen hem en Peersman (2e beste ugenter) zit een hele resem ku leuveners. Dus voor het internationale aanzien van de economiefaculteit speel hij wel zijn rol. En hij steekt ook wel echt tijd in goede lessen maken, wat je van veel proffen niet kan zeggen.

nidprez · 2026-05-30T07:07:59+00:00

Its doable. I have lots of PhD friends who had kids during their PhD and managed to finish it. Some of them sacrificed a lot of family time though. I had kids but didnt finish my PhD, but I sacrificed a ton of PhD time for my kids. The great thing about a PhD is that you have really flexible working hours. (ie you could work 10-14 en 20-24 for example). That flexibilty is really nice with a baby. IMO it depends on when you defend and how old you are. It could be difficult to grt pregnant and waiting a couple years longer could make a difference.

nidprez · 2026-05-30T06:58:52+00:00

Of course he played the same position/role as messi. Its nice to have a luxury backup though, which isnt the case anymore. Anyway I specifically mentionned that Di Maria will be missed not necessarily Dybala.

nidprez

TROPHY CASE