Sven Buyle

#mtgdad (3 sons), MTG Online Shop Owner ( #mtgfinance Zealot, Agile Master @BICS_SA

[Sven Buyle @mtgcards_be]

@Jace_TCG They are a vendor, not a trader. 80% is acceptable and something I have done many times before. Most customers understand and respect that.

[Sven Buyle @mtgcards_be]

@Pdeneve1 Bolero + Saxo. Ook nog KeyTrade (persoonlijk) en MeDirect (fondsen)

[Sven Buyle @mtgcards_be]

- Opt-in: Bank houdt 10% in ~ 3150 EUR (Auw!) --> Belastingdruk = 7.87%
- Opt-out: Je trekt eerst de vrijstelling af (~ 30K EUR na inflatie) Belastbaar: 31.5K - 30K = 1500 EUR. 10% daarvan = 150 EUR -> Belastingdruk = 0.37%
[3/3] #Beleggen #Meerwaardebelasting #OptOut

[Sven Buyle @mtgcards_be]

Nieuwe meerwaardebelasting is feit, maar opt-out is de enige logische keuze volgens mij.
Direct cashen voor fiscus, pas 1,5 j later vrijstelling terugvragen. ❌
Vrijstelling direct benutten + 1,5j extra rendement op je eigen cash. ✅
Ook groot verschil qua belastingdruk!
[1/3]

[Sven Buyle @mtgcards_be]

Wanneer je kiest voor opt-out is het verschil in effectieve belasting gewoon ook héél stuk lager:
Stel: Je hebt 20j groei aan 8% gerealiseert en wil een deel verkopen als koppel (stel 40K EUR).
Door 20j groei is 31.5K EUR daarvan winst.
[2/3]

[Sven Buyle @mtgcards_be]

@long_equity Targets identifying how good company scores on each of those in terms of quality.

[Sven Buyle @mtgcards_be]

@TimNijsmans Het werkt voor ons als hangmatbeleggers, omdat er anderen (die APs) er veel geld mee verdienen :-)

[Sven Buyle @mtgcards_be]

@TimNijsmans Heb ik trouwens lang over gedaan om dit te begrijpen of snappen, want ik begreep nooit waar ETFs inderdaad de onderliggende waarde zo goed konden bepalen :-) Is dit ook geen reden waarom een liquide ETF altijd kleinere spread zal vertonen?

[Sven Buyle @mtgcards_be]

@TimNijsmans Klopt in essentie, maar technisch is er wel V&A, toch? APs zorgen er via arbitrage voor dat die prijs (bijna) niet loskomt van de NAV. De AP reageert juist op prijsstijging (veroorzaakt door V&A) om winst te maken. De markt bepaalt de prijs, maar de APs bewaken de grenzen. Eens?

[Sven Buyle @mtgcards_be]

Ik heb veel te veel gegeten en gedronken de laatste twee dagen / I have been eating and drinking too much the last two days / He estado bebiendo y bebiendo demasiado estos últimos dos días / Gehiegi jan eta edan dut azken bi egunetan.
[EOM]

[Sven Buyle @mtgcards_be]

@gertdemesure Ik heb al mijn rechten uitgeoefend en extra bijgetankt aan 10.82 €. Leek me interessante aanvulling voor mijn dividend portefeuille.

[Sven Buyle @mtgcards_be]

@slimmetgeld1 Zo jammer. Mijn zoontje liet me net weten dat er twee kindjes niet willen mee spelen, dus 5-2=3. Een dikke 10 op 10 dus!

[Vitaliy Katsenelson @vitaliyk]

Time feels different at 52 than at 25. My kids don’t need help tying their shoes anymore. There’s a quiet shift when you realize you’ve gone from being their entire world to becoming a chapter in their expanding life.

My father passed a few years ago. My mom passed when I was eleven. I live with the unfortunate truth of knowing exactly how many more moments I’ll have with them, and the number is zero.

I’d trade everything I’ve earned for one more hour with them.

Seneca said "Life isn’t short, we just waste it." I’ve wasted plenty. I’ve rushed when I should have slowed down. I’ve attended meetings that drained life instead of adding value. I’ve said yes when I should have kindly said no.

Marcus Aurelius said: “You could leave life right now.” One day you’ll wake up for the last time and not know it. That doesn’t depress me. It sharpens me. It brings everything into focus.

Mortality shows up quietly: a child outgrowing a phase, laughter at the dinner table evolving into deeper conversations, friends moving away as life reshuffles itself, opportunities you once assumed would always be there slowly fading.

I’m not trying to optimize every second. That’s a stress trap. I’m choosing what matters.

If I don’t want to spend time with someone, I don’t.
If something drains me, I drop it.
If I’m tired, I rest.
If one of my kids wants to talk, I close the laptop.
When I care, I go deep.

And here’s the upside: when I spend time with someone, they know I truly want to be there. I show up with more presence, more patience, more warmth. I connect more honestly. I feel more like myself because everything I’m doing is aligned with who I choose to be. I’m living by design, not by inertia.

I’ve lost money. I’ve made bad decisions. Money is replaceable, time isn’t.

Many people talk about urgency and clarity that mortality brings. My perspective is different: don’t treat time as a motivator — use it as a filter.

If I had ten good years left instead of forty, I wouldn’t retreat from life. I’d let go of more nonsense. I’d keep fewer grudges. I’d be slower to irritation and quicker to laughter.

Mortality is a filter. It quietly asks:
Is this how you want to spend today?
Is this conversation worth having?
Is this relationship worth nurturing?
Is this work worthy of your life-force?

I’ve had the very human misfortune of attending many funerals over the years. Don’t wait for tragedy to wake you up to what you already know.

The reminders are around you: in your relationships, your aging body, your memories, the irreplaceable moments that slip by unless you notice them.

“You have two lives, and your second life starts when you realize you only have one.”
– Confucius

[Sven Buyle @mtgcards_be]

@slimmetgeld1 Ons abonnement is begonnen eind 2022 aan 89.90 € / jaar, maar zie nu dat ik vorig jaar al 139.99 € moest betalen voor disney+. Geen idee waarom dat zo verschillend is voor iedereen? Lijkt me toch dezelfde service?

[Sven Buyle @mtgcards_be]

🤣

[Danny VLX (DUVEL/CORNET) @VlxDanny]

@vrtnws STAAT LETTERLIJK IN DE TWEET

[Sven Buyle @mtgcards_be]

I have no clue how to fix this. Someone else who experienced the same?

[Sven Buyle @mtgcards_be]

#MTGArena does no longer allow me to access my account. Since last update I am asked to complete some details. Fails and proposes to go to wizards account website. Fill in same details. Requires parental consent (I am 44!) which I somehow can arrange and back to square one.

[Sven Buyle @mtgcards_be]

@ArendJanKamp Mogelijks al ooit eens moeten beantwoorden, maar waarom opteer je voor IWDA en niet SWDR die toch vrij gelijkaardig is, maar lagere TER heeft?

[Sven Buyle @mtgcards_be]

@Fenruscloud @BazaarOfBoxes @EULegacyMasters Congratz!