More taxes on savings

As mentioned in the article in the Financieel Dagblad of Friday, January 11, 2024 Spaarders betalen hogere box 3-heffing na definitieve belastingaanslag (fd.nl), all savers have noticed that interest rates have risen sharply over the past year. At the beginning of...

You, Your Financials and Corona/COVID-19

What a state. A virus of pandemic proportions that is unprecedentedly strong in our existence (comparisons with plague and influenza centuries ago are made) and thus on our society. However, beautiful things also come from fear, ignorance, uncertainty and suffering....

Bring your next interest rate adjustment forward?

Recently, someone asked me if it is useful and sensible to bring an interest rate review forward by 7 years. Of course with the additional question what in that case the prepayment penalty to be paid would be “net”.The client knew that, compared to the current...

Do you have a “Golden Parachute” account too?

Often when employees are lose their job they receive a sum of money from their employer. In the Netherlands, until 31 December 2014 it was possible to use that sum to buy a claim on periodic benefits to replace lost income; the tax burden on the lump sum payment was...