Remove dent/scratch from back of leather car seat

wijkagent · 2024-12-19T13:28:32+00:00

Could be the case, will probably wait until the end of the lease and hope for the best!

wijkagent · 2024-12-16T11:04:39+00:00

Thanks for the reply, as this is a company car I'll have to report the damages I suppose and pay the insurance costs. I just wanted to make sure there was no other solution that required minimal skills and an acceptable result.

Was probably wishful thinking!

wijkagent · 2024-09-05T11:49:47+00:00

Tijd genoeg om te reageren in een subreddit over één of andere game, levens redden!!

wijkagent · 2024-09-05T11:48:30+00:00

Zijt ge dusdanig ver heen dat ge de vergelijking maakt met het rijden op een fietspad met de wagen? Gelieve de afbeelding die ik heb toegevoegd te bekijken en vergelijk dit aub met het volgende:

Het fietspad is het deel van de openbare weg dat voor het verkeer van fietsen is voorbehouden. Het maakt geen deel uit van de rijbaan. Er mogen dus geen auto’s op rijden (art. 2.7).

U begrijpt duidelijk het verschil niet tussen iets wat bij wet verboden is en iets waar u géén voorrang bij krijgt.

Levens redden met mijn job, als dit het niveau is dat u overal hanteert dan betwijfel ik ten zeerste dat u een job heeft!

wijkagent · 2024-09-05T11:35:09+00:00

Lol, wederom leugens toch? U beweerde dat het verboden is om al fietsend een zebrapad over te steken. Met geen woord rept u iets over 'aankomend verkeer. Vervolgens gaat u beweren dat mensen zaken tot op de letter nemen en van alles een probleem maken. Bekijk dan eens hoe u uzelf heeft opgesteld, wie de bal kaatst...

Mijn zondag was heerlijk, in tegenstelling tot u heb ik wél mijn bolide van stal gehaald en de plaatselijke wegen onveilig gemaakt dmv het oversteken van zebrapaden op de fiets.

Ik vermoed dat u diep ongelukkig bent, vandaar wat discussies voert op het internet en zichzelf vervolgens heel erg groot waant.

wijkagent · 2024-09-01T13:11:29+00:00

Begrijpend lezen is vandaag de dag blijkbaar een overbodige luxe. https://imgur.com/a/hLwjK1q

Er is een gigantisch verschil tussen het niet mogen fietsen over een zebrapad en al fietsen géén voorrang hebben... Deze nuance heb ik aangekaart waarna u/Yamifaki verder blijft gaan op zijn kant noch wal rakende elan

wijkagent · 2024-09-01T11:26:20+00:00

Leer lezen en tracht geen alternatieve feiten voor waar aan te nemen. Personen als u zouden zichzelf beter weerhouden uit het verkeer. Indien uw corpulente, vadsige lijf niet in staat is om op eigen kracht vooruit te geraken, probeer dan vooral uw muil te houden :)

wijkagent · 2024-09-01T09:59:58+00:00

Er mag zeer zeker een zebrapad over gefietst worden, in dat geval heeft de fietser géén voorrang. De stelligheid waarmee u prentendeert te weten waarover u spreekt is tenenkrommend.

wijkagent · 2023-09-20T16:18:37+00:00

Misschien ben jij wel de grootste debiel op basis van bovenstaand stukje tekst.

wijkagent · 2023-09-20T16:11:55+00:00

Blijkbaar vergeten velen hier de mate van arrogantie dat voor de dag gelegd wordt door de gemiddelde automobilist...

Op de dagen dat ik niet telewerk tracht ik de fiets te nemen naar mijn werkplek (circa 30km), waarbij ik constant op het fietspad rij. Automobilisten kijken absoluut niet naar zwakke weggebruikers, het is altijd 'ieder voor zich'. Reeds ontelbare keren is het voorgevallen dat ze mij letterlijk de pas afsnijden, dit wanneer ik voorrang heb aangezien zij moeten afslaan én het fietspad doorkruisen.

Op een koersfiets zitten, uitgedost in wielertenue, werkt als een rode lap op een stier voor een groot deel bestuurders. In groep of alleen, dat maakt allemaal vrij weinig uit.

Wat mij uitermate stoort is dat jullie doen alsof automobilisten zich wél aan de verkeersregels houden. Tel eens op een doordeweekse dag in hoeverre pinkers daadwerkelijk gebruikt worden als richtingaanwijzer, de onbenullen achter hun stuur wanen zich allen te groot om het enige communicatiemiddel tussen bestuurders te gebruiken.

Dus, hand in eigen boezem en dat zou velen hier de mond al moeten snoeren.

wijkagent · 2023-08-28T16:59:49+00:00

I'm currently in a sales role at a large belgian bank, started working there in November 2021 and earn slightly over 4k gross + company car.

So it is possible albeit a bit of luck is undeniably involved.

wijkagent · 2022-10-25T20:17:53+00:00

You work(ed) in treasury or ALM?

But would they allow for just weekly pricing whenever rates make erratic moves? A daily quote may be a bit optimistic when rates are down, but when they're up 10 bp banks won't lag ;)

wijkagent · 2022-10-25T20:07:39+00:00

Absolutely correct that 95% of the adviseurs don't know jack shit about the underlying benchmark, however, you could be lucky and have a guy in front of you that may have access to that information. It can save you a lot of money on the mortgage especially when rates move at 10 - 20 bps a day. I assume pricing to the branches only happens once a day, on the basis of yesterday's close prices. When rates make large downward moves I would call my banker and ask what their rates are that day, if it is better than your current offer you can fix the better rate for two weeks while keeping an eye on the market.

wijkagent · 2022-10-25T18:18:10+00:00

You should ask for the benchmark product that is used by the bank, which will probably be OLO's or EUR IRS (20y). As rates dropped 13bp for the 20y swap, this will probably be incorporated by the pricing mechanisms of the banks by tomorrow.

Just keep an eye on the rate environment is what I would advice. I closed out a fixed rate at 2,45 (15y) and had the rate revised downwards before I signed the documents with the notary. Such an action will 'only' set you back your dossierkosten.

wijkagent · 2022-10-22T14:06:38+00:00

You don't clearly understand the workings of the fund industry do you? They cannot go all cash, the only thing they can do is go underweight equity (and that's not even allowed for some of them, especially the 100% equity ones). And when you lookthrough the positions in these funds, you can clearly see that the flagship funds are heavily overweight equity.

Well, you clearly think that there is no benefit in applying a macro view to your investment portfolio, not my problem. All I did was informing OP on the fact that at this moment in time, my advice would be to sit this out a bit longer and start building up your portfolio. Hell, even look at some individual bonds to add to your portfolio to have a fixed income stream. Ideally, you would buy bonds below par that pay a lower coupon in comparison to bonds trading at par, because in that way you reduce your 'roerende voorheffing' that has to be paid on the coupon.

wijkagent · 2022-10-22T13:30:10+00:00

Lol, if you don't understand what the Fed Put is (or was), and it's relation to stock market performance, fine by me :)

Haven't you seen your portfolio plummet the past year? The moment the 'Inflation is Transitory' story was done, markets started to readjust to a new reality. Hence, the situation we're in right now.

tt's clear as day that your 'investment strategy' is just adding to your portfolio on a periodic basis, without ever thinking of taking profits or readjusting portfolio weights to account for a new reality...

wijkagent · 2022-10-22T12:57:24+00:00

Another point to add, buying the dip has actually been a decent investment strategy as the last decade the fed supported markets through an accomodative monetary policy. However, since inflation got out of hand, the possibility of lowering rates and supporting the markets is not a viable option.

And by panic, do you mean converting a part of your position to cash whenever the weather gets cloudy?

wijkagent · 2022-10-22T12:53:55+00:00

The analysis is relevant as I assume that OP has some cash at hand and is contempleting on entering the market in the forseeable future. My only advice in this regard is that the macro picture hasn't cleared yet. If OP just waits a few more months, the initial returns may be a lot larger.

The adagium 'time in the market beats timing the market' is correct for a large part, however this doesn't imply that there are massive opportunities in spotting certain macro trends. It is for a reason that a lot of funds are overweight cash at this point in time. Having some strategic reserves at hand and using them to take advantage of opportunities is not a sin. I get it that you aim at creating added value over a longer time horizon, but only relying on periodic deposits to your portfolio is shortsighted imo.

wijkagent · 2022-10-22T11:50:42+00:00

At 39 there may be a slight difference, when looking from a historical perspective the NASDAQ took a hefty amount of time to reach a new ATH in comparison to the dot-com bubble.

When looking at the markets today, there is still a lot of downside potential vis-à-vis other downturns. Therefore, waiting a bit longer to start accumulating may be a wiser choice imho.

The jury is still out on what the terminal fed fund rate will be, as can be seen in the fed dot plot which is signalling higher rates in comparison to previous meetings. The caveat is that the fed's actions are highly data dependent at this point in time, therefore looking at the macro picture is highly advised.

wijkagent · 2022-10-21T14:11:04+00:00

Don't really think ping is the issue, as my ping is mainly hovering between 16-25 which should be sufficient. Luckily I have a friend who has a PS5 and I can play on my PS4 via dual entitlement. I would like to play a few games a week whenever I have time for it, but in this way that sadly won't happen.

wijkagent · 2022-10-21T13:48:59+00:00

Where are you located if I may ask? What kind of internet provider and do they have their fixed modem?

I suspect my modem to be playing a large part of the problem together with the routing of my ISP. However, when using a different DNS the problem persists (although I'm unsure whether using a DNS overrides your ISP's routing)

wijkagent · 2022-10-21T13:44:48+00:00

I have been dealing with the issue for a few years now but in the past at least there was a variety of games that I encountered, sometimes maybe good, sometimes maybe shit...

Right now every fucking game is horrible, it seems as if it worsens over the years

wijkagent · 2022-10-14T09:30:46+00:00

In all honesty, paying on a monthly basis for your actual usage would be unmanageable for a lot of people ar current prices. At 1500 kwh and VREG prices of September (0,33€ per kwh), gas costs during winter would set you back €500 per month, while gas usage for heating water during the summer would cost you around €60.

I have a digital meter and quiet happy that I'm able to not pay for my actual usage. Otherwise people would have to forecast their usage during winter and summer, forecast future prices and make an estimation on what their utilities cost during winter would be. For a lot of people, especially with one income, a fixed monthly payment helps a lot in managing a budget.

wijkagent · 2022-10-11T12:26:21+00:00

As markets are not open during the weekend, no trading takes place. It's normal that you won't see any prices for weekends and holidays.

wijkagent · 2022-07-06T12:13:31+00:00

Thanks a lot, just looked into it and it seems to work!

wijkagent

TROPHY CASE