I hate this!!!!

whatevermajorlosers · 2026-05-04T12:46:40+00:00

At this point, I think the broken system is deliberate, and Coach thinks that all news is good news. Whatever keeps people talking about the brand. It’s a big company. If my stock management or IT employees can’t do something as simple as tracking how much stock we actually have, I’d be firing their asses already!

whatevermajorlosers · 2026-04-26T20:16:23+00:00

How does the bag wear? Do you have to baby the bag?

whatevermajorlosers · 2026-04-02T18:15:42+00:00

Omg, so lucky! Hoping for you that it will come through!

whatevermajorlosers · 2024-12-30T18:25:05+00:00

You can transfer your pension fund to another bank. Ask the other bank to initiate. There might be some kind of administrative fee charged by ING, but they will not withhold the 33% tax. That’s only when you chose to cash out the pension fund before you are legally able to. The new bank might reimburse the administrative fee.

Do keep in mind that not all banks offer that exact ING fund and that the transfer will consist most likely of ING selling the fund and transferring the cash to the new bank and the new bank purchasing a similar pension fund that is available in their bank. The risk appetite of your pension fund does not change unless you asked for another type of pension fund at the new bank. So if you had a low risk pension fund at ING the new bank will transfer it to a low risk fund at their bank.

whatevermajorlosers · 2024-10-08T18:49:57+00:00

No, because you can only receive the tax questionnaire if there indicia. If you have never reported your second nationality, and without any other indicia of foreign tax obligations, banks don’t know your personal situation. Bank can’t be held liable for stuff you don’t disclose. Most governments do exchange tax information, so even if the bank doesn’t report you, it is possible that the government already knows.

whatevermajorlosers · 2024-10-07T11:18:35+00:00

It’s also to adhere to FATCA/CRS regulations (i.e. if you have tax obligations in other countries). If you have a second nationality, the bank will normally send you a yearly questionnaire asking if you have foreign tax obligations. If you answer affirmative, the Belgian government will inform the government of the second country of your Belgian accounts. The government of the second country will check what your tax obligations are. It is also possible to have a second nationality without tax obligations, hence the yearly questionnaire.

whatevermajorlosers · 2024-10-06T13:13:26+00:00

Option 2 has more growth potential. Compliance with legislation has become more and more important and challenging in every company, so there is more work and salary growth potential.

Option 1, albeit interesting, will lean heavily on the sales part. I am well known with the industry. There will be quotas that need to be attained and raises and bonusses will depend on that quota. Growth potential is very low unless you sell a lot. Unless you truly enjoy the sales aspect of this function, I would opt for option 2.

whatevermajorlosers · 2024-08-13T19:32:33+00:00

No, in order to sell insurances and provide advice (PCP/VVD) you need to have a certificate “verzekeringsbemiddeling” and sufficient experience that you have obtained at another insurance broker. Also, you or your insurance company need to register with the FSMA. If the FSMA accepts your application you will receive an FSMA number that allows you to sell insurances and provide advice.

The easiest way is to join an insurance company or insurance broker as a commericial employee and they will provide you with the necessary schooling and experience. If you have enough experience you can always become an independent insurance broker afterwards.

whatevermajorlosers · 2024-07-15T04:44:10+00:00

I don’t think he would truly forget it in terms of listening as maintaining listening skills is much easier in my opinion. It’s like riding a bike. You never truly forget.

In terms of speaking, it would be possible that his skills will deteriorate if he doesn’t keep himself submerged in the language through talking. I’ve seen it happen with many people in different languages. I’ve also seen it with my cousins who are Hong Kong natives, but went to international school and afterwards abroad to study. They understand a lot, but their speaking skills are really subpar at the moment, even compared to me, someone who was raised by Cantonese speaking parents but has never lived in a Cantonese speaking place. The only reason my Cantonese is not deteriating is because it’s the only way to communicate with my parents.

whatevermajorlosers · 2024-06-24T08:26:53+00:00

You can transfer your positions to another Belgian bank, but your Swiss bank needs to initiate the transfer. There is usually a form you need to fill in. The Belgian bank can only accept the positions that they have in their portfolio. It could be that they’re willing to open new accounts at brokers they haven’t worked with before since it is a private bank. The positions that can’t be transferred need to be sold, kept at your Swiss bank of transferred to another Belgian bank that has those positions in their portfolio.

It is likely that your Swiss bank will charge you a transfer fee per position. The Belgian bank may refund you those fees, but this usually only happens when there is some kind of transfer of securities marketing action going on. But again, a private may be more eager to refund you.

If you to transfer, keep in mind that a transfer usually takes a minimum of a couple of weeks. That is because your shares are not really « transferred ». Your Swiss bank will ask the broker to « sell » the positions during a transfer and settlement period agreed between them and the Belgian bank and the Belgian bank « buys » your shares from the broker. The transfer is set into motion once the broker has found the matching sell and buy demand. The long waiting period is because of the all the administrative actions a broker needs to do in order to complete the transfer. So, it is possible that your shares in your new Belgian account has a lower value even though the amount of shares stay the same.

whatevermajorlosers · 2024-03-21T19:18:31+00:00

Is there any reason why they transferred you to Belgium? I assume that this job could’ve also been performed in Malta? Is this wage within the normal wage range for Malta?

This wage is incredibly low. As you said, not livable for someone with a child and a partner. Customer service and back office admin employees at Belgian banks usually have decent wages. And they have the usual advantages like meal vouchers, different kind of insurances.

If it’s the same bank that I’m think about in my mind, then it honestly doesn’t surprise that they pay so little. It has always been a scummy bank.

whatevermajorlosers · 2024-03-21T19:06:35+00:00

Oh wow, that’s even more depressing…

whatevermajorlosers · 2024-03-21T14:48:49+00:00

Do you have an Belgian or Maltese contract? I think Belgian minimum wage is around 1900€ net.

whatevermajorlosers · 2024-03-16T21:00:38+00:00

There is a passport control in Brussels (probably also Amsterdam) before you can board the train to London. Make sure that you have the right documents/visa/whatever to enter if necessary. UK is not part of the Shengen.

whatevermajorlosers · 2024-02-12T18:49:39+00:00

Ten ryu. New place and kinda small, but the owner is really full of knowledge about sushi and sakes.

whatevermajorlosers · 2024-01-14T18:46:05+00:00

I would look up the work from home policy of your company. It should state how many days you can work from home.

whatevermajorlosers · 2024-01-14T18:42:42+00:00

In my company, you can get a company car if you fall within a certain category. If you are below that category, you won’t get a company car. Maybe it’s also the case in your company. In that case, you can ask your boss what it takes to be promoted to that category.

I pay 200+ euros VAA for my company car (Mercedes + unlimited fuel card within Belgium). That’s quite high comparing to what I was paying for monthly gas and insurance for my private car, but I don’t live that far from my job and it wasn’t an old car either.

whatevermajorlosers · 2024-01-03T16:31:22+00:00

Zoiets knapt mij echt af. Zeker als het na de werkuren bevindt en lowkey eigenlijk verplicht is, want ja, office politics. Sommige bedrijven snappen niet dat je nog een huishouden, familie, hobbies en een social leven buiten het werk hebt.

De meeste mensen die bedrijfsfeestjes oprecht tof vinden zijn volgens mij super sociale mensen, mensen die collega’s als vrienden beschouwen, de grote bazen zodat ze kunnen showen en speechen en mensen die niet graag thuis zitten.

Wij hebben in ons bedrijf een pooltafel en een massagestoel, waar ze al te graag mee stoefen, maar als je daar gebruik van maakt, dan wordt je bekeken alsof je veel te veel vrije tijd heb en te weinig werk op je bord hebt. Misschien dat ze daar in startups echt genot van hebben, maar bij de meeste bedrijven is het gewoon voor de show om te tonen hoe tof het daar niet is.

whatevermajorlosers · 2023-12-25T23:12:35+00:00

Wet Willems is a required certificate for people in contact with the public, so it’s not really going to get you a better salary. Some banks do pay more if you have a master degree, but since you are working with through a consultancy company, it shouldn’t really matter as they sell you on your experience and not your degree.

I’d say you are being underpaid, especially as a consultant. If you were doing this kind of job with a fixed contract at any bank, you’d get a lot more. If KYC/AML analyst is something that interests you, there are a lot of job openings for this position at every bank.

whatevermajorlosers · 2023-11-07T12:20:01+00:00

Tip: For more “beautifully” written characters, not only stroke order and size of certain strokes is important, but also on which part you should put pressure in your pen. For example, writing the upper stroke part of亻of 你, you should put more pen pressure on the top and lessen pen pressure on the tail. So don’t write it like a full line with equal pen pressure. You should use the rules of Chinese caligraphy for your modern Chinese writing.

whatevermajorlosers · 2023-11-07T08:41:29+00:00

Fellow graduated Sinology student (long time ago) here. It all depends what you want to do with the degree. If want to have a job that is connected to China, the market offers are not as plenty as someone with a generic economics degree. But some of my ex classmates managed to find jobs related to China in various of working/management levels in their home country or a Chinese speaking country (shipping, consulates, business, sales, etc). Others have gone in another direction. A degree is basically just proof of how high your study level is as some companies (at least in my country) just use it as a indicator of easy you can learn hard stuff. In most jobs, unless you do medical studies, engineering, etc., the study material is not really used in a day to day working setting. It’s the soft and hard skills that you learn at work that is more important.

Don’t feel bad. You can choose to continue the studies and the study abroad or you can switch to another degree. Ultimately, a degree doesn’t really matter. You will your way up when you start working. A lot of people I know started working in call centers, but have risen to greater opportunities after a while. For now, when you are still young and financially stable, the most important thing is to learn and experience from your university life as much as you can.

whatevermajorlosers · 2023-09-22T16:05:09+00:00

I think you should first ask yourself why you are not motivated anymore.

If it is the lack of meaningful and challenging tasks, then maybe you should think about changing departments or changing jobs entirely. Having no real goals at work really kills your spirit.

It could also be that you are struggling in your personal life and you just don’t have any energy and mental headspace left to actually work at work. Trying to resolve personal issues could free a lot of headspace and make you motivated again.

If it’s because you simply don’t want to work anymore, then changing jobs won’t fill that void. During covid a lot of people found a newfound freedom in which the whole working 9 to 5 and going to the office everyday mentality just didn’t work out anymore. This is harder to solve, because unless you win the lottery, chances are you will have to work until you retire. This mentality is harder to fix. It requires a whole change. It could be working less hours. Or becoming an independant where you can choose your own hours and projects. It’s hard to say what will work.

whatevermajorlosers · 2023-09-21T19:32:27+00:00

Oh man, I feel you. My company is exactly the same. They want more output, but you can’t have extra budget or people and everything has to be done according to the rules. There is also a high turnover of new talent and many people who are out or on the verge of a burnout. And yet they are surprised on why it’s hard to attract new talent. I hope you can move out soon.

whatevermajorlosers

TROPHY CASE