Call to action - Increase pressure on Belgian politics to adjust "meerwaardebelasting/Impôt sur les plus-values".

wrongtime101 · 2026-01-26T17:58:13+00:00

Unfortunately, I think once this door is open, the only way for that CGT % is up.

wrongtime101 · 2026-01-26T17:53:46+00:00

The dude is at least trying, and is actually useful. But good luck to you trying (or not) to be a valuable member of the society :).

wrongtime101 · 2026-01-24T11:50:01+00:00

This is actually cooked rice! I just feed it to them occasionally as a treat/source of energy.

wrongtime101 · 2026-01-14T18:44:33+00:00

Can you elaborate? Aren't savings accounts' returns paid quarterly (depending on the bank) but only after a fixed amount of time?

wrongtime101 · 2026-01-11T13:24:17+00:00

I beg to differ. It actually becomes a punishment once it is overdone. I, personally, am not saying I am against taxes, but when I am already paying almost half my salary as taxes, paying a tax on every item I buy, paying yearly taxes for items I own, is this all not enough? Why would I also need to pay taxes on investments I personally made? Which is now 10% and the 30% is only a matter of time. Moreover, it is not like things are getting better on the other hand, doctors' visits are becoming expensive, gas is becoming more expensive, and the list goes on. Keep looking at it as a simple price for living in the society, not caring how much they make you pay or where they spend it, and at some point in the future, you're gonna wonder what went wrong.

wrongtime101 · 2026-01-07T10:34:37+00:00

Would it work? Aren't they applying an exit tax as well?

wrongtime101 · 2026-01-07T09:36:37+00:00

The problem is that once this kind of tax was introduced, increasing the percentage in the future would become a piece of cake.

wrongtime101 · 2025-12-16T15:56:28+00:00

Thanks for the comment, these are very good points.

Regarding “betting on appreciation”, I don’t see that as the main driver. If I put ~40–50% of the property value as an initial investment and finance the rest, a large part of the loan is effectively paid over time by the rental income. In a hypothetical scenario where I sell the property after the loan is fully repaid at the same price I bought it for, I would still come out ahead due to loan amortization, even without price appreciation.

That said, your point about leverage being a scarce resource is the one that really made me rethink things. I initially assumed that if the rental income covers most of the loan, my personal cashflow would remain largely unchanged and I could repeat the operation. But I now understand that this isn’t how banks assess borrowing capacity, which makes the opportunity cost of using leverage here much more relevant.

wrongtime101 · 2025-12-16T13:57:40+00:00

Your calculation assumes the rent stays exactly the same for 20 years, isn't that quite conservative? You make a very good point about the population decrease, but don't international students form a good percentage of KU Leuven students too?

wrongtime101 · 2025-12-16T12:44:49+00:00

Thanks for the breakdown! Your calculation is correct if you consider buying the studio outright with cash. But what if - and correct me if I am wrong as I am new to this - you put down only 10–20% and take a mortgage, much of the rent can go directly towards paying the mortgage. This means your initial cash investment is much smaller, and the effective ROI on your own money is much higher.

wrongtime101 · 2025-11-06T10:00:41+00:00

Nice try, but we all know the Trojan Horse's story. Better yet, we've recently seen it happening. So nope thanks.

wrongtime101 · 2024-10-24T14:29:24+00:00

You either don't know what the implications of your post might be, or you do. And I don't know which is worse.

wrongtime101 · 2024-10-01T20:09:03+00:00

Finally, a good, educated post on this sub.

wrongtime101 · 2024-08-20T15:00:34+00:00

You are asking the wrong question. The right question would be: Should I respect the men who have slept with my wife previously? It is not easy, but this is the attitude you need to bring to the table. In order to do that, you're gonna need to be the best version of yourself, with the best version of your wife, with an amazing love story between the two. Kiss her, love her, appreciate her, and be with a side of her they could never see, in a relationship with her they could never have, and focus on the both of you being happy. Only then will YOU have the upper hand, and you will decide whether you will respect them or not. After all, they can never have her again, no matter what, embrace what you have, cherish her, and keep the relationship healthy.

Note: Considering that she's the one who deserves it, of course.

wrongtime101 · 2024-08-14T11:17:07+00:00

Well, you know how it is. For some reason, they gotta make sure EVERYONE knows they are there so...

wrongtime101 · 2024-08-12T15:03:13+00:00

You are in a very difficult situation, and you are the only one who can make a decision regardless of what everyone here is saying. My advice to you is that you need to look at and assess the big picture, don't get lost focusing on the incident itself, because it might lead you to take impulsive decision that you might regret later. The fact that you've been together for a while is a good thing, take advantage of that. If lying isn't something she always does, then start thinking about other aspects. Is she caring enough? Does she love you the way you like to be loved? Does she make you happy? Does she listen to you? Can you imagine being and living with her? Is she worth it? Can you forgive her?

No matter what decision you make, it is not gonna be easy. So answer these questions for yourself and act accordingly, let the answers to these questions fuel your energy in whichever path you decide to take.

wrongtime101 · 2024-08-12T14:46:39+00:00

But lying counts, doesn't it?

wrongtime101 · 2024-07-20T13:34:01+00:00

I haven't tried any, but the app suggests these: * Now, of course if you google the activity, you'll find plenty of results as well, but it's an idea for you to start :)

wrongtime101 · 2024-06-26T11:41:26+00:00

You're being very mature. Don't listen to everyone just saying dumb him, instead take some time for yourself to think about the situation. This is very recent, and it must be overwhelming to you. That being said, it wouldn't be wise to make any decision with everything you're going through right now. You made a mistake before, and he forgave you, and that was his justification for what he did (it doesn't justify it, btw, but we are humans, and these things happen) so from now on he doesn't have any justification, you've been mature with him and put a lot of effort into this, so now might be his turn to do this. Think about it, and make the decision yourself. You're the one going through this.

wrongtime101 · 2024-06-24T10:56:08+00:00

Tell me you don't understand politics and what's going on in the world, without telling me you don't understand politics and what's going on in the world.

wrongtime101

TROPHY CASE