Your mortgage is one of the longest financial commitments you make. 30 years in most cases. Many people plan to make that obligation disappear completely by amortizing or repaying the loan. This is sometimes also "helped" by the disappearance of tax deductibility....

Striking last month were three different situations making sense to adjust the mortgage. Spaarhypotheek In two cases, it involved using the value in an interest rate sensitive insurance policy linked to the mortgage in order to reduce the debt. So-called...

It is that time of the year again. If you have submitted a Dutch income tax return last year it is highly likely your invitation by the Tax Authorities to do it again has landed on your doorstep. For those who are first timers: it is not really an invitation. When you...

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...

People often think that financial advice only makes sense if, for example, you own a house. Nothing could be further from the truth. The same applies to tenants. Are you or is your child looking for a house? The following is then probably of interest for you. Housing...

Introduction In recent years, a growing number of young adults have been captivated by the FIRE concept – Financial Independence, Retire Early. The movement revolves around the idea of attaining financial freedom at a relatively young age, typically in one's 30s or...

We meet many entrepreneurs and help them planning taxes, also when they will die. Its purpose is making sure that as much as possible of someone’s hard earned wealth lands at the intended recipient, which is rarely the tax inspector. The primary beneficiary of the...

Recently the Amsterdam Rijksmuseum announced it is the beneficiary of its largest donation ever, €12.5 million, from an anonymous benefactor. It enables the museum to do more spectacular events and exhibitions. Wonderful of course; art is an important element to color...

They are still there, and with more: reports of disappointed people with taxed assets above the exemption (2023: €57,000 as a single person, €114,000 for tax partners).  Despite a clear instruction from the highest Dutch court (the Supreme Court), our implementers of...

Fifteen years ago, a financial crisis began due to inadequate supervision, erroneous assumptions about risk among directors and a market that was crying out for investment product. The iceberg became visible when Lehman fell over. Not just any bank; 25,000 employees,...