LuiGi Goes Orange: Olanda

Fiets gestolen...nog een keer!!

Wed, 25 Jun 2008 19:01:05 GMT

Ogni anno vengono rubate 80000 bici nella sola città di Amsterdam. Beh quest'anno due di queste sono di Mel!!
A solo un mese di distanza due bici rubate, sotto casa, in due quartieri diversi (nel frattempo abbiamo traslocato!).
La polizia ozia, tra un koppie koffee ed una multa ai rigazzini senza luci nella bici (magari rubata).
La risposta più frequente quando denunci un furto: ad Amsterdam ci sono tante bici...è impossibile fare niente!!
E comunque non prendono più neanche la denuncia. Ti rimandano al sito internet per registrare il misfatto...come dire...una
pura routine burocratica!!

http://www.youtube.com/watch?v=5TNTq3nhuh0

http://www.fietsendiefstal.nl/english/

Update!

Thu, 29 May 2008 14:59:54 GMT

L'ultimo mese è stato molto intenso!

Il Sig Den Bosh (il muratore che doveva farmi i lavori in casa) si è rivelato un bel tipo!!!

La sua parentesi spagnola deve averlo un pò impigrito perchè da allora, nonostante tutte le promesse,

ha fatto davvero ben poco. Tra l'altro non essendo completamente convinto della qualità dei lavori elettrici

che aveva fatto fare, ho chiesto una seconda opinione che ha confermato pienamente i miei dubbi. Il risultato è che sono ormai

dell'idea di affidare il completamento a qualcun'altro. La perdita economica è minima, e comunque molto inferiore a

quanto potrei perdere in salute io continuando ad affidarmi ad uni'idiota del genere!!!

Paradossalmente la soluzione suggeritami per completare i lavori in breve tempo è quella di cercare qualcuno che mi faccia il lavoro in nero!!

In Olanda?!? mah!! E' proprio vero tutto il mondo è paese!!

Morale...trasloco posticipato di almeno 2 settimane!!

Sul fronte studio..ottime notizie! ho ottenuto l'ammissione all'MBA presso le università a cui avevo fatto richiesta. La mia scelta molto probabilmente ricadrà sulla UVA, sostanzialmente per motivi logistici. Per adesso sono in trattaviva con l'ufficio per la stipulazione dell'accordo di studio, visto

Infine, il mio compleanno!!! Visita dei miei e festeffiamenti con bbq con tutti gli amici in un grazioso caffè vicino casa.

Pezzo forte della festa due splendide cassate siciliane, giunte in aereo direttamente dalla Sicilia!!

Mel mi ha davvero sorpreso con il suo regalo! Una meravigliosa "sloep"...una barchetta a motore da canale che ha comprato durante la mia ultima permanenze in Italia e nascosto per un mese proprio sotto il mio naso con la complicita di un paio di nostri amici!! Alla fine tutti erano al corrente (gli altri regali erano bumpers, bandierine, mappe anutiche e quant'altro per la navigazione fluviale!!) tranne me!! Davvero una bella sorpresa!!! Adesso attendo solo una bella giornata di sole per il varo ufficiale!!

Spero che in Spagna piova!!

Mon, 12 May 2008 12:38:47 GMT

Il ritardo nei pagamenti causato da un negligente impiegato bancario olandese mi ha messo nei casini!!

Sebbene abbia cercato di limitare i danni con iniezioni di contanti al muratore, questi ha giustamente bloccato i lavori per una settimana, quando il grosso non è arrivato (nonostante tutte le rassicurazione di quel famoso impiegato di banca!!). Alla fine mancava non so che documento...2 minuti per bloccare il pagamento, 2 settimane per farci sapere il motivo, 30 secondi per faxare il documento mancante...un'altra settimana per effetturare il pagamento!

Beh adesso che il pagamento è arrivato...il muratore è in vacanza! Che bello chiamarlo, e sentirmi dire che i soldi sono arrivati ma che lui è in Spagna in vacanza...coi soldi miei nel portafoglio!! Inutile dirgli che noi siamo di fretta e che il trasloco era previsto per la settimana prossima...lui è in vacanza...la risposta: che ci posso fare!!!?

E che ci può fare dico pure io! Non mi resta che riorganizzarmi completamente, eventualmente pagare una settimana extra di affitto (che presentero al signor impiegato di banca premio noble per l'efficienza e la meticolisità sul lavoro), e prendere il tutto con filosofia...forse ci riderò sopra tra qualche mese!!

Ritorno a "lavoro"

Sun, 04 May 2008 17:53:34 GMT

Di ritorno dalla breve vacanza, Mel mi ha messo subito a lavoro.
Viste le belle giornate di sole che hanno caratterizzato questo week end, ha pensato bene di
istruirmi alla passione olandese del Klussen...ovvero del fai da te, l'insieme di quelle piccole e grandi riparazioni
con cui si intrattengono tradizionalmente gli olandesi in vacanza (quando non vanno in giro in bici).
La lista delle cose da fare per sistemare casa nuova è ancora lunga, ma almeno ho potuto spuntare un paio di voci.
In settimana (nonostante una mia breve trasferta a Milano per lavoro) contiamo anche di dare la prima inbiancata alle pareti già pretrattate.
Nel frattempo la banca ha finalmente pagato il muratore, che aveva giustamente fermato i lavori, dopo che l'ordine di pagamento
era stato fatto ben 3 settimane fa!!! Comunque martedi dovrebbe ricominciare e spero finire in una settimana.
Il dramma è la cucina...ho da intonacare una parete intera e poi ...le mattonelle!! Spero di farcela prima della visita dei miei!
Nelle foto vedete...la prima pietra di quello che sarà il nostro armadio a muro e la preparazione delle pareti per la pittura!!

Ps: per un update aggiornato sulla casa: il sito di Mel ! in Olandese ma con tante foto!!

Olanda fiorita!

Sun, 04 May 2008 06:35:13 GMT

No non sono ancora in depressione post elezioni. Il lungo silenzio è dovuto a una tuttosommato breve ma piacevole visita a casa, in Italia, dove
ho passato sia il 25 Aprile che il 1 Maggio. Devo dire che mi sarei intrattenuto più a lungo nella terra natìa, che tanto ci fa patire ma che sempre ci piace, ma devo anche dire che il mio ritorno in Olanda è stato allietato dagli splendidi paesaggi dei campi di tulipani, narcisi e giacinti in fiore.

The basic dutch vocabulary for buying a house

Thu, 10 Apr 2008 10:36:19 GMT

This blog entry will be very long, but I decided to post it anyway for two reasons:

1. I think it is very usefull.

2. a long post will finally stop the bore of the italian election topic

During the long proces to buy a house in the Netherland I wen across to a lot of words

I had big trouble understanding. Sometime you need a bit more explanation than a simple translation; let's not forget that I had

never bought a house before anywhere!! So I'm very glad and thankfull to Mel who edited this great document:

(post in inglese per ovvie ragioni!)

Aflossingsvrije Hypotheek = Grace mortgage

The grace mortgage offers the possibility just of relaying at the end of the duration or at sale of your house. During the duration of the mortgage interest is only paid. The advantage is that it is profited because of this of a constant high interest calculation. At this form you must realise however that you live in principle "your complete" to the debt are stuck. In any case to sale from the woonhuis or up to the moment on which you have in a different way capacity to relay the debt. However an important condition has been linked to the grace mortgage: because the money supplier wants be certain that the amount required for the relay is, however, paid, the value of the house must be a piece higher than the mortgage amount which you lend. In most of the cases this amount at the most 75% of the executiewaarde - that is the value in case of obliged sale - of the house amounted to.

Aflossingsvrije lening = Grace loan

You only pay interest, the relay is at the end of the duration.

Depreciation

Accounting processing of depreciation of capital goods.

Annuïteitenhypotheek

A mortgage loan where is paid periodically, generally monthly, by the mortgage donor (the customer) to the hypotheeknemer (the bank) a fixed amount. That fixed amount exists partly from interest compensation, the other part is used for relay. At the beginning of the duration the aflossingsdeel low and it (for the tax deductible) are rentedeel high. To the end this proportion is the other way around. Because of this the net month charge (after tax calculation of the interest) increases during the duration of the loan.

Annuïteitenschema

relay diagram where you pay as much monthly and where the remainder debt in the beginning only lift decreases and at the end of the duration correctly complete rapidly. See also ' annuïteitenhypotheek '.

Automatic incasso

Authorisation which you grant to a company or service provider to receive a chargeable amount automatically of your account. Read also everything concerning automatic incasso.

B bankhypotheek = bank mortgage

Of a mortgage an authenticated deed must be drawn up. There are two registration forms: the bank mortgage and the mortgage with fixed registration. At a bank mortgage the mortgage registration remains during the whole duration of the mortgage right to the agreed amount. During the duration of the mortgage the effective debt by regular and extra relays lower are than this registration. As long as the mortgage remains below this amount, the kredietnemer do not need to its notary if he wants raise the mortgage. The certificate offers still sufficient space. The bank mortgage is nowadays by far the most used inschrijvingsvorm.

Belastbaar inkomen = Taxable entering

That part of your income that by the tax authority is charged.

Beleggingshypotheek = placement mortgage

At these hypotheekvorm you combine a grace loan with a placement account. By means of this account you convene in impact. At impact you must think especially of placement funds, but that is not strict necessary. The required amount can to build the capital you at the start of the mortgage in one time into the account deposit. Also you can buy (for example monthly) impact periodically, or let follow a high commencement discharge by lower periodic discharges. With the value of the impact the debt can be relayed in the long run. At the placement mortgage death risk has not been covered automatically. If you put then price or as a money donor that requires you a separate death risk insurance must conclude.

Beleggingsinstituut = Investment institution

Institution which manages a pot with money which is raised by participants, and which convenes this money in accordance with a certain objective.

Beleggingsverzekeringshypotheek = placement insurance mortgage

The placement insurance mortgage is levenhypotheek, with all tax conditions which hear thereby. You close a capital insurance beside the mortgage. A part of the premium is used for cover of death risk and the costs. The other part of the premium is convened in placement funds which the insurer offers. As the insurance to benefit, can with that the debt comes be relayed. The tax conditions for this form are the same as at other levenhypotheken.

Betaalcapaciteit

relay capacity. Income minus expenditure (all fixed charges and costs for maintenance).

BKR test

At the office the money donor information asks to credit recording (BKR) in Tiel if you have loans still other. You have for example ever had (large) an arrear, then one can refuse you a loan.

Boeterente bij hypotheken = fine interest at mortgages

Costs which you must pay if you relay a loan with fixed interest advanced. In the case of variable interest are you never fine chargeable. You must fine also no pay if you want relay the moment the interest-fixed expires period. The same applies such as at that moment the day interest higher lies than the contract interest, at sale of the house (some a money donor excluded), at executie of the house (forced sale on a sale by auction) if that not the consequence is of verwijtbaar actions of your side, at perishing the onderpand (for example by fire), at benefit of a death risk insurance. If the mortgage interest is fiscally deductible, applies that also for the fine interest which you are charged.

Boetevrij deel/part

A percentage of the original loan, depending on of the money donor diverse of to 20% 10 of the original principal sum of the mortgage, which annual boetevrij can be relayed. If you use a year none of this possibility cannot you the onbenutte part take along to a next year.

Bruto Maandlasten = Gross month charges

The month charges of your mortgage where has not been taken into account still the tax deductibility of the mortgage interest.

Bruto rendement = Gross output

Is important at mortgage forms where the capital is built by means of a capital insurance or by means of placements. This percentage is important at calculating the required premium for the capital insurance or the required inleg on a placement account in the case of a placement mortgage. Until recently many proposers went of it from that to the placements minimum a net output of 8% would produce; there the costs are within the placement funds already as from. Nowadays proposers serve and consultants no longer with a net output count, but with gross an output. This is therefore for calculation of the costs within the placement funds. This makes these mortgage forms improves similar. Nowadays the commission agent and/or insurer counts generally with 8% gross. That provides higher month charges on then 8% net, but also a higher benefit on the termination date.

C combination mortgage =combinatie hypotheek

At the combination mortgage there talk of a mengvorm, where several mortgage forms are combined with each other to come to real a tailor-made job, is. Dependent on the personal financial situation and the specific wishes it is stipulated if a combination mortgage is an interesting option.

Contante waarde van het renteverschil = Cash value of the interest difference

At mortgages the fine to pay at advanced relay by means of the cash value of the interest difference is generally calculated, kortweg cash value called. Couple you have a mortgage of?100.000. your interest period run years still three and the contract interest amounts to 8%. you pays years therefore still three?8000 to interest, in sum?24.000. now you relay your mortgage in one time. The bank gets then a large amount in hands that can be turned off against the day interest then applying. If that interest lies however lower than 8%, the bank loses interest income. For this reason it is calculated how loss is. That amount - the cash value - charges the money donor you. How larger the difference between the contract interest and the day interest, all the higher the fine.

Contract interest

Interest which you have corresponded to the money donor.

D dag interest

Interest which applies to new loans, where is not taken into account possible discounts which you or your commission agent weet to stipulate.

E effective interest

output figure where is only looked at to the interest and the remaining costs (for example tax authority and insurance) outside consideration to remain. At the effective interest then particularly the commission and the betaalfrequentie (per month or per trimester) play a role. See also ` net effective output.

Effective interest (percentage) on an annual basis = effectieve rente (percentage) op jaarbasis

Effective interest calculated on an annual basis.

Eigenwoningreserve

Equal to the turnover of the house at sale minus then the resting mortgage (as far as the interest is about this fiscally deductible) and minus the sale costs are. You are considered this commitment amount at purchase of the new house. You do not do this (or not entirely) then are the interest concerning the corresponding part of the mortgage not fiscally deductible. The eigenwoningreserve expire after 5 years or if you die.

Eigenwoningforfait The amount which you must add to your income on if you have his own house that you to main residence serves. The eigenwoningforfait is in fact therefore a standardised amount for hiring which you could get the costs, charges and depreciation for your house, minus. All this moreover exclusively interest and costs of loans. The eigenwoningforfait amounts to for most of the houses 0.6% of Woz-waarde.

Erfpachtcanon = Ground rent

Periodic (for example annual) cost of the long lease.

Executiewaarde

Value which produces a house at obliged sale. Generally the executiewaarde for an existing house on about 85% of the free market value lies. For a nieuwbouwwoning these lie frequently higher, up to (dependent on the taxer, money donor) 100% of the free market value of the house.

F financing charge percentage = Financieringslastpercentage

Maximum percentage of entering which can spend kredietnemer to the mortgage. At calculating the mortgage charges nearly all money donors assume the charges which someone is if he chooses for annuïteitenhypotheek with a duration of 30 years and interest-fixed period of minimum five or six years. These charges are vervolgens shared by gross the year income. As from 1 January 2007 a similar rule applies to all standard mortgages. An important difference is then that all mortgage suppliers with the same financing charge percentages will work. Now the methodiek is only roughly right.

Financial bijsluiter

Explanation at complex financial products concerning the product, the costs, the output and risk. See www.definancielebijsluiter.nl.

Fiscaal aftrekbaar = fiscally deductible

Of the tax deductible.

Fiscaal loon = Tax remunerations

The rewards of your employer about which you income tax is chargeable.

Fiscaal partnerschap = Tax partnership

System where you and your partner can divide mutual bijtellingen and deductions.

Fiscus = Tax authority

Other word for the Tax and Customs Administration.

G Gemeentelijke heffingen = municipal levies

Specific taxes, levied by the municipality which stipulates also altitude. Examples are property matter tax, rioolrecht and waste product levy.

H hybrid mortgage

Mortgage which can use you as well as savings-based mortgage, but also as a placement insurance mortgage. Also a combination of both forms is possible. Characterising is that you can change interim, entirely or partially of the one to the other form.

Hypothecaire Lening = Mortgage loan

The mortgage loan is a loan to which at authenticated certificate an immovable property has been coupled as a onderpand. Generally the debt is defined explicitly in the certificate. In general it general is the lent amount no longer than 75% of the valued value of well at executoriale sale. This value is the turnover, which can the money donor get at obliged sale of the pand if the debtor can no longer meet its payment obligations. As a money donor it is prepared to lend more from, then there is talk of a top mortgage. In the daily language use the mortgage loan kortweg mortgage are frequently called.

Hypothecaire lening met vaste inschrijving = Mortgage with fixed registration

Of a mortgage an authenticated deed must be drawn up. There are two registration forms: the bank mortgage and the mortgage with fixed registration. At a mortgage with fixed registration each relay (regularly or extra) leads to a proportional fall of the mortgage registration. This means that the mortgage ends up at each increase above the existing registration, as a result of which a new mortgage certificate becomes necessary. You do for this reason generally judicious choose for a bank mortgage.

Hypotheekgarantie = mortgage guarantee

See Nationale Hypotheek Garantie

Hypotheek gever = mortgage donor

Supply the the one who receives the loan and onderpand (the mortgage); or yourself.

Hypotheeknemer

The one who supplies the loan and the onderpand (the mortgage) receive, or the bank or insurer.

I inflation

Situation in which the general rural level increases and leads to depreciation of the money. A criterion for this is the development of the index of the consumption price.

Intermediair = Intermediate

Commission agent.

K kapitaalverzekering eigen woning = capital insurance own house

A capital insurance which is coupled to your own house and as a result a special tax treatment gets. The insurance falls in box 1 for this reason and in box 3. you do not have no pay capacity capital yield tax. The benefit must become used to relay the mortgage.

Krediet Hypotheek= credit mortgage

Money can lend in several manners, but the lowest month charges have you at the credit mortgage. It is compare with an ongoing credit with the house as a onderpand. To the agreed credit limit you can take unobstructed money and to relay, this way frequently wants you. The interest is variable. But because the bank has extra certainty (the house) is the interest lower than at an ordinary ongoing credit. Still a difference: at a credit mortgage you need, depending on of the money donor and the total mortgage relay tax, monthly do not oblige, at an ordinary credit, however. Each month only pay you interest.

L Levenhypotheek

The traditional levenhypotheek, the savings-based mortgage, the placement insurance mortgage and the hybrid mortgage are all levenhypotheken. Levenhypotheek a mortgage has been combined with a capital insurance. During the duration of the mortgage, but exclusively interest paid with moreover the insurance premium it is not relayed. The insurance premium is partly saved or is convened, whereas the other part is intended for a death risk insurance. The insurance pays, or at the end of the duration, or rather at interim death. With the benefit the mortgage is relayed. The large advantage of these hypotheekvorm is that a maximum tax calculation becomes enjoy whereas within the capital insurance - within certain maxima! - a tax-free benefit can be formed. The capital benefit if you live on the termination date, for which saved or is convened, is possible however higher or lower is than the mortgage loan.

Levensverzekering = Life insurance

Insurance where the beneficiaries (nabestaande(n), or a someone who has been designated by the policyholder) at dying the insured person gets money amount paid. Another form is that at live a certain amount is by the insurer is paid a date certain on. A combination is also possible.

Lineaire aflossing = Linear relay

relay diagram where you relay as much monthly. Moreover you pay still interest concerning the rest debt. In the beginning you have therefore relatively high charges, at the end of the duration correctly low.

Lineaire hypotheek = linear mortgage

Hypotheekvorm where the relay on linear basis takes place. Becomes, because of the high commencement charges, hardly more closed. Duration The duration (generally calculated in number of months) that you must pay back a loan. At an ongoing credit we speak over a theoretical duration.

M. maandlast = month charge

Monthly payment of interest and relay.

Maandrente = month interest

The interest to pay per month.

Marginaal belastingtarief = Marginal tax rate

The tax rate that pays you concerning the top of your income.

Meenemen contract rente = To take along contract interest

As the contract interest lower is than the day interest then it is pleasant if you, at removal, which can take along lower interest to the mortgage on the new house. The interest which eventually will pay a weighted average of the day interest and old contract interest, taking into account the altitude of the mortgage on the old and new house, the remaining interest-fixed period of the old mortgage and the interest-fixed have been chosen period for the new mortgage.

N national mortgage guarantee = nationale hypotheek garantie

The national mortgage guarantee is the rurally applying regulation with which purchase of a house can be financed entirely. THE NHG are an extra guarantee for the financier, as a result of which a lower interest - up to a half percent - can be given. THE NHG apply both to a financing of an existing house and of a nieuwbouwwoning, of which amounts to the professional expenses maximum?250.000 (2006). For the NHG you pay a one-off contribution of 0.28% (2006) to the guarantee fund own houses. By 1 January 2007 this percentage is raised to 0.40%, these costs is fiscally deductible.

Netto effectieve rendement = Net effective output (NWR)

output figure with which the real turnovers or price (therefore taking into account data such as line and age and with all costs, turnovers and possible tax advantage) of life insurances, mortgages, spaarproducten and remaining placement possibilities with each other can be compared.

Netto maandlasten = Net month charges

The month charges of your mortgage where has been taken into account the tax deductibility of the mortgage interest and possibly also the influence of the eigenwoningforfait. Net output Important at mortgage forms where the capital is built by means of a capital insurance or by means of placements. This percentage is important at calculating the required premium for the capital insurance or the required inleg on a placement account in the case of a placement mortgage. Until recently many proposers went of it from that to the placements minimum a net output of 8% would produce. Of it the costs deducted within the placement funds already. Nowadays proposers serve and consultants no longer with a net output count, but with gross an output. This is therefore for calculation of the costs within the placement funds. This makes these mortgage forms improves similar. At mortgages with mortgage guarantee can be counted up to with 8% gross.

NWR

Net effective output

Overlijdensrisicoverzekering =death risk insurance

Insurance where the beneficiaries (generally the surviving dependants) get an amount paid if the insured person for the agreed termination date dies.

Oversluiten

We speak talk of oversluiten in two situations. This is the case if you categorise your loan or mortgage at another money donor, but also as you, against payment of fine interest, the mortgage oversluit to the lower day interest.

Overwaarde

Difference between the value of your house and the mortgage which rests on this.

P Premiedepot

At save -, placement insurance - and hybrid mortgages are possible the insurance premiums chargeable during the duration entirely or in one time in so-called premiedepot are partially paid. Generally you pay each month the premium. At premiedepot the money supplier obtains the premium however each month from a depot. He takes into account the tax demands which the tax authority makes. Particularly at the savings-based mortgage you are by remainder more advantageously from. This depot arises by a certain sum which you pay at the money supplier. Own money which you have brought in for example by saving because or you have kept money from sale of your previous house. Concerning the amount which you have in depot stand, you receive interest.

Rente = interest

Costs which a money donor periodically charges (for example monthly) for for the arrangement put money of a sum.

Rentebedenktijd = interest time for reflection

interest time for reflection knows two alternatives: 1. At conclude or extending the mortgage during a certain period (1 or 2 years) can you change at every moment free of charge to a longer interest period. The advantage of such ' instaprente ' (also option interest called) is that you time (maximum two year) is possible to profit of low instaprente and that, as the interest then suddenly increases and you within the agreed period (for example a week) react, you can fix the interest against the interest which applied flat to the interest revision. 2. End duration interest period at an interest time for reflection at the end of the interest period is possible you during a certain period (1 or 2 years) themselves stipulates when the interest is reconsidered. You for this a rise on the interest pays.

Renteherzieningsdatum = interest revision date

Date, at the end of the interest-fixed period, on which the mortgage interest is adapted to the day interest.

Rentemiddeling

In two situations talk can be there of rentemiddeling. At removal it can be advantageous the old take along contract interest to the mortgage on the new house. The interest which you will pay eventually a weighted average of the day interest and old contract interest, taking into account the altitude of the mortgage on the old and new house, the remaining interest-fixed period of the old mortgage and the interest-fixed have been chosen period for the new mortgage. At some money donors you can profit also interim by means of rentemiddeling of a lower day interest. A new average interest is then calculated, where one takes into account the remaining interest-fixed period and the new period to conclude interest-fixed. The interest which you will pay is then lower than the old interest, but lies higher than the day interest.

Rentevaste periode = Interest-fixed one period

Period, for example five or ten years that the interest is certain. How longer the interest-fixed period, all the higher the interest. The interest-fixed period is generally shorter than the duration of the mortgage.

Spaarhypotheek = savings-based mortgage

The savings-based mortgage is levenhypotheek. Just like at the levenhypotheek on the debt during the duration of the contract it is not relayed. Because beside the mortgage loan a capital insurance is closed, where fixed state which amount comes there available if the insured person lives on the termination date or voordien comes die. On the spaarpremie for the insurance an interest which is the same as the chargeable interest on the mortgage loan, is compensated for. As a result, the schommelingen remain rather in mortgage charges at interest modifications limited. If the interest percentage goes down, you pay therefore what concerns that less. But then the premium for the spaargedeelte in the capital insurance must omhoog. The insurer gets then less interest compensated for and must you therefore more let pay eventually nevertheless to end up on the end amount. Reversed; if the interest percentage to compensate for goes omhoog, then is possible the spaargedeelte the premium for down.

Spaarloonregeling = Salary savings scheme

Form of bedrijfssparen where the employer implies a certain part of the brutoloon and pays on a blocked spaarrekening. The employee needs no pay tax concerning this amount - a limit determined to -. The account remains blocked four years; interim prerecording (deblokkering) is only possible in certain situations, for example at purchase of its own house.

T Toetsinkomen

To enter that as a basis are considered to a mortgage guarantee, existing from brutosalaris including possible gratification or annual bonus, holiday allowance, provision (subject to structural component of entering) and irregularity allowances.

Top hypotheek = top mortgage

Relatively high mortgage for which asks an interest rise to money donor. There is, talk of a top mortgage if the total mortgage is higher than, depending on of the money donor, 75, 90% or 100% of the executiewaarde of the house. The maximum top mortgage amounts to 125 or 130% of the executiewaarde.

Traditioneel leven = Traditional living

At the traditional levenhypotheek the shovel-sleigh-demented is dependent on placements in so-called vastrentende values such as obligations or government loans. The premium is rather high because is assumed a relatively low rack interest about 3%. moreover you receive still so-called ` overrente ' or ` profit-sharing '. These hypotheekvorm are concluded no longer much.

Tussenpersoon = Commission agent

Someone who mediates between purchaser and salesman. Also intermediate called. An insurance commission agent mediates for example between you and an insurer.

V vertragingsvergoeding = delay compensation

Extra interest if you pay too late your normal periods.

Verwervingskosten_woning

purchase costs house including all additional costs such as 6% conveyance duties, commission, notary - and appraisal costs and possibly costs mortgage guarantee and broker costs. Institution - and moving expenses do not fall under the professional expenses.

Vrijeverkoopwaarde

Value which produces a house at voluntary sale.

Waarborgfonds Eigen Woning = guarantee fund own house

National mortgage sees guarantee.

Woz-waarde

For the calculation of the onroerendezaakbelasting, the eigenwoningforfait and the water board rates the municipality stipulates the value of your house, so-called Woz-waarde. As a main point to the appraisal by the municipality is considered the economic value of the house, with everything what hears (such as garage and garden), a qualifying date determined on by the law. Read also everything concerning the WOZ.

Compro casa: le prime foto e la piantina

Sat, 23 Feb 2008 21:44:23 GMT

Oggi ho firmato le ultime carte per il mutuo ed in attesa della firma davanti al notaio, Harry, il mio hypotheek adviseur, mi ha regalato una bottiglia di champagne!!
Devo dire che neanche in Italia avrei potuto avere un'assistenza tale. Harry non solo mi ha trovato un mutuo adeguato alle mie esigenze, ma mi ha spiegato per filo e per segno tutte le tipologie di mutuo esistenti in Olanda e le differenze tra le varie banche. Una volta identificato il prodotto giusto (The prime beef..come lo chiama lui!) siamo andati a spiegare in un misto di inglese, italiano ed olandese ogni particolare.
Dopo almeno 5 appuntamenti ormai il suo ufficio mi è molto familiare! Se qualcuno cerca casa ad Amsterdam o dintorni non posso che raccomandarlo!!

Pubblico le prime foto della casa. Come si può chiaramente vedere c'è molto da lavorare. Com Mel abbiamo già contattato un paio di Bouwers (muratori) per i lavori, eabbiamo iniziato la processione tra negozi di bagni e di cucine!! Un'odissea tutto sommato piacevole, visto che finalizzata a costruire la mia casa!

Tasse Olandesi

Mon, 19 Nov 2007 09:37:06 GMT

La posta (quella vera di carta con busta e francobollo) che ricevo solitamente non è molta.

Di solito ricevo sempre le stesse missive, più o meno regolarmente: una volta al mese l'estratto conto della banca (che mi ostino a

voler ricever in cartaceo),una volta al mese la busta paga, alcuni cataloghi li ricevo una volta l'anno, e un paio di volte l'anno in date definite le lettere del Belasting (l'ufficio delle Tasse!!).

Per cui quando sabato ho visto la bustina viola del Belasting nella buca delle lettere sono rimasto un pò stranito!

E di fatti si trattava di una comunicazione "straordinaria"! A quanto pare ho sbagliato la dichiarazione del 2005, dichiarando due settimane di lavoro in meno. Ho fatto i miei controlli, ed effettivamente hanno raggione loro!

Ora uno penserebbe: cazzo mi tocca pagare!

Invece no!!

In Olanda, la ritenuta fiscale sullo stipendio è normalmente forfettaria in eccesso, nel senso che si paga sempre un pò di più; a fine anno fiscale si compila il corrispettivo del 740 (non obbligatorio) non per dichiarare il reddito (quello lo sanno già) ma per richiedere deduzioni o almeno il ritorno delle extra tasse pagate. In tal maniera ogni anno a giugno il Belastig ti ritorna una cifretta che prima delle vacanze fa sempre comodo!

Per cui paradossalmente, dal mio errore, il Belastig potrebbe ora dovermi restituire ancora un paio di euro!!! eheheh

Mega Kroket

Sun, 28 Oct 2007 08:30:11 GMT

Questo breve post lo scrivo pensando a Francesco (grande amatore di queste delicatessen Olandesi) e ai miei :

http://www.hartvannederland.nl/localitem/1870/Kroketje_van_250_kilo

Prinsjesdag

Tue, 18 Sep 2007 15:01:19 GMT

Il terzo martedi di Settembre in Olanda ricorre Prinsjesdag, ovvero il giorno in cui la regina

si rivolge con un discorso ufficiale alle due camere del parlamento, facendo un pò il punto della situazione del paese.

Un evento per certi versi simile al discorso presidenziale di fine anno in Italia.

L'evento segue un rigido e tradizionale protocollo che vede la Regina partire alle 13:00 dal Noordeinde Palace (il corrispettivo del Quirinale) a bordo di una carrozza dorata trainata da cavalli, per attraversare il centro dell'Aja ed arrivare alla Ridderzaal, dove dal trono delineerà le principali linee di governo per l'anno a venire.

Il discorso di quest'anno è molto ottimista, e guarda molto al futuro. Data l'attuale prosperità si prevede un generale innalzamento delle tasse,

in vista di un conseguente aumento della spesa sociale (i sondaggi di giugno dicevano che la maggiorparte degli olandesi si dica scontenta dell'operato di questo governo nell'ambito sociale) ma anche di scelte volte alla riduzione del debito pubblico.

I punti principali del Budget Memo del governo sono:

VAT (IVA) aumenta dal 19 al 20%

Tassa ecologica sui biglietti aerei: 11.25 euro in più sui voli a breve distanza e di 45 su quelli a lunga distanza

Le misure di Welfare per i minori di 27 anni verrà abolito e verrano introdotti dei requisiti di studio-lavoro

La Birra costerò 2.7 centesimi in più per bottiglia e il tabacco 25 centesimi per confezione.

Ci saranno interventi affincè i libri scolastici siano gratuiti

Stanziamento di 2.5 milioni per l'emancipazione delgi omosessuali e la riduzione della violenza verso di essi.

Il Museo di storia nazionale verrà stabvilito ad Arnheim

20 Milioni stanziati per la promozione mondiale dei diritti umani

Pillola contraccettiva, controlli dentistici epr 18-21enni, extra ore di maternity care saranno inclusi nel pacchetto base delle assicurazioni mediche

Il premio di disoccupazione pagaro dai datori di lavoro sarà ridotto dal 3.85% a 3.5% e verrà abolito completamente nel 2009

Ovviamente scontenti per l'aumento delle tasse si dicno i liberali del VVD (che si trovano ad affrontare una frattura interna).

mobi-quette!!

Thu, 26 Jul 2007 14:28:09 GMT

Su expatica di oggi leggo:

At least 65% of the Dutch population find loud mobile phone conversations and having to listen to other people's mobile telephone conversations annoying. (http://www.expatica.com/actual/article.asp?subchannel_id=1&story_id=42297)

Smettessero di farlo se sono proprio così infastiditi!!

Il senso estetico degli olandesi!!

Wed, 20 Jun 2007 07:42:13 GMT

tra Natale e capodanno scorsi il mio simpatico vicino di casa si era fatto una bella piscina in cucina che aveva causato una infiltrazione

dal soffitto della mia cucina. La perdita e' continuata per una settimana circa, perche' il sipatico vicino di casa era in vacanza e perche' l'azienda che ci affitta casa era chiusa per ferie. La ditta (De Key) viene a fare un sopralluogo solo il 7 Gennaio e solamente per constatare che c'e' una perdita!! Dopo un mese contattano il vicino di casa (lsolo perche' Mel li ha tempestati di chiamate!!) e verificano che le tubature sono intatte e che e' stata solo un pirlata del vicino.

Ad ogni modo Per 3 mesi non e' stato fatto nulla perche' il muro doveva asciugarsi. Il mese scorso dopo 3 nostre chiamate sono venuti a ri-constatare che c'era stata una perdita. Mi danno un appuntamento (ovviemente in orari di lavoro) che viene annullato da loro il giorno prima. Finalmente vengono a ripitturare casa ieri!.

Il risultato e' un quadro di Miro!!! Non solo hanno pitturato solo la parete danneggiata (per cui si nota evidentemente la differenza con la pareta accanto - solo 2 mq!!) ma non hanno nemmeno rimosso il tavolo (che e' attaccato al muro) o pitturato dietro la porta!!! Per foruna hanno pitturato dietro al frigorifero!!

Dopo 6 mesi, mi tocca comprare la pittura e completare il lavoro da me!! L'assurdo e' che dopo ogni "visita" il call center ti chiama per una verifica di qualita' (solo in olandese!!)...finora ne abbiamo fatte almeno 3!!!

Un po' estremo ma tanto vero!!

Tue, 12 Jun 2007 08:16:19 GMT

Riporto una simpatica descrizione dei tipicy party familiari Olandesi.

Il punto di vista e' un po' ...ingles ma si adatta molto bene anche ai buitelander italieni!!

Unica differenza...visto che la torta te la danno all'inizio e non alla fine della festa, e visto che molto probabilmente quella e' l'unca cosa che c'e' da mangiare...non vi azzardate a fare i complimenti e dire di no per fare i fighi!! Lo so che voi pensate, tanto poi me la rioffrono e io dico di si!! NO no cari...dite di no una volta ed e' finita...rimanete a digiuno!!

The Circle Game

So your Dutch colleague (or your girl/boyfriend) says to you, "Hey, why
don't you come over to my place on Saturday, it's my birthday"... And you
think great, I'm making friends here, this is really cool. Go, party with
the Dutch.
And like a good party-goes, you take a shower, put on a bit of cologne and
dress up a bit for that you-never-know-who-you-might-meet moment.
OK, so the party is called for five in the afternoon on a Saturday, but no
problem-o, that must mean dinner, and so you get a nice bottle of wine for
your host and head off, fashionably late. Bzzzz.
Enter the world of the circle party.
Circle parties are a uniquely Dutch version of hell - which level, I'm not
sure, but on the enjoyment scale they fit somewhere between doing your taxes
and going to the dentist.
Imagine if you will, a group of adults sitting in a circle on folding
chairs. You will be expected to shake hands and introduce yourself to
everyone of them. Who brought their grandmother, you might be thinking, and
why is she wishing me congratulations? Did I win something?
No, you did not. Take your gezellig seat and sit down for a cup of coffee.
Cold coffee. And a piece of could-be-cake, could-be-pie, sure-is-awful.
Respond to every cold fluid and sawdust-flavoured morsel with a grin and
mmm, lekker! Who brought their kids, and why are they running around? How
can there be so much smoke when the party just started? And the heat...
Where's the heat coming from? It's November and the bloody door is wide
open.
For the next two to six hours, everyone will sit in that neat little circle
and try to make polite conversation.
Do not try to impress them with your Dutch or knowledge of Dutch society,
because you will be wrong. Rather, talk about the quaint little things you
like here; mention your travels; discuss Seinfeld. Keep it light. Do not
mention that people are dressed as if in pre-1989 Poland; do not ask if you
were supposed to bring a gag gift costing less than five euros.
There is no food. You got your cake, so shut up. Though the clock is moving
slowly enough to prematurely age your twin on another planet, though it has
struck six, seven, eight o'clock, there is no dinner. Did they say dinner?
Maybe you were supposed to eat beforehand.
And so it goes. Even Dutch people hate these things, and how could you not?
How can you party with your new friends with Tante Helena showing you her
surgical scars and little Jaap-Jan sticking the raisins from his cake up
your nose.
It's not so much a party as an obligation; like flossing.
When Dutch people want to be friends with you or to entertain you, they
invite you out, or they will explicitly say dinner-party, barbeque...
anything but the dreaded birthday party.
You cannot be part of Dutch society and avoid the circle party, but I do
have some tips:
First of all, I limit my Dutch partner to six circle-party-credits per year,
each good for four hours of "fun" with the family.
An eight hour circle party (like, Christmas) uses up two credits; no more
credits, and gosh, we're so booked up!
The second tip is to set a time limit, say two hours - if you wait for the
party to break up naturally, you could have already developed stage ten lung
carcinoma, not to mention malnutrition.
Finally, don't worry about being an oddball-buitenlander. Pick up a magazine
and read, wander around and snoop, make calls from the other room. Trust me,
nobody will notice.
But don't forget on your way out to say goodbye to Tante and Oma and cousins
Jaap, Jan and Joris - all of them -- again with the handshake (or three-kiss
if they try) and the obligatory "wasn't this gezellig". Well wasn't it?
Until the next time.
P.S. The Dutch take an obtuse pride in saying gezellig is not easily
translated, but I find that it can easily be interchanged with "this sucks."
Try it, and you'll see what I mean.

E' scappato il gorilla

Sat, 19 May 2007 08:04:08 GMT

No, non è il titolo di una canzone di De Andrè, ma quello che è successo allo zoo di Rotterdam.

180 kili di muscoli e pelliccia sono scappati ieri pomeriggio dalla gabbia nello zoo di Rotterdam, e hanno

attraversato a quanto pare a nuoto il fossato che la circonda. Straniti gli studiosi, visto che a quanto pare i gorilla non sanno nuotare!!!

Dopo le ovvie scene di panico e l'evacuazione dello zoo, il gorilla è stato ritrovato nel bar dello zoo mentre sorseggiava un crodino!!

Jonge jonge jone....!!!

http://www.depers.nl/binnenland/63699/Gorilla-Diergaarde-Blijdorp-ontsnapt.html

Fire in the Baarsjes

Sun, 29 Apr 2007 16:01:10 GMT

Oggi alle 17:30 si è sviluppato un incendio nel palazzo di fronte casa mia.

La vendetta dei pendolari!!

Tue, 17 Apr 2007 14:11:54 GMT

L'avevo detto io!!!

Da quando prendo i mezzi pubblici per andare a lavoro, non c'e' stata una volta in cui questi siano arrivati all'orario

dovuto. Ogni giorno la metro bisogna aspettarla per almeno un quarto d'ora, anche negli orari di punta.

A volte mi e' anche capitato di aspettare un'ora per un tram. E non conto le volte in cui la metro si e' fermata e tl'altoparlante dice solo : tutti fuori e aspettate la prossima questa non va' oltre. CHiaramente la successiva arrivara strapiena...

La cosa assurda e' che per garantire la puntualita' gli autisti non esitano a sbattere la porta in faccia ai passeggeri che ritardano di qualche secondo.

L'azienda, da quando e' stata privatizzata ha solo ridotto le corse (sopratutto verso le zone piu' povere della citta') eliminato qualche linea di bus e speso milioni di euro in tecnologie anti viaggio gratis (le nuove tessere con chip). Ma finalmente dopo tante lamentele e' arrivata la rispota. Un milione di euro di multa...per essere constantemente in ritardo.

Magari si puo' fare anche in Italia!!!

als zomer!

Sat, 14 Apr 2007 17:29:36 GMT

Sono già due fine settimana di fila che fa proprio bel tempo.

Un'anomalo innalzamento della temperatura (27 gradi!!!), un cielo limpido e una splendida brezza hanno caratterizzato il

week end pasquale e sembrano non tradire neanche adesso.

Gli alberi si ricoprono lentamente di fogliame, le ragazze si scoprono un pò di più, e i parchi e le terrazze dei bar si riempiono.

NON POTEVO TROVARE PERIODO MIGLIORE PER METTERMI A STUDIARE!!!!

Per fortuna il prossimo fine settimana andrò a Siena. Con la scusa di andare a prendere la pergamena della laurea ne approfitto per

una gitarella a base di relax e di una visita a Gae.

Anche Rob. mi raggiungerà da Roma. Una piccola rimpatriata.

Onestamente ho proprio bisogno di una vacanzetta. Il lavoro ultimamente è stato abbastanza impegnativo,e non sembra dover migliorare nelle prossime settimane; e il tempo libero è monopolizzato dai quiz.

La nonnetta va in auto dal dottore...

Sat, 24 Mar 2007 16:09:35 GMT

Oggi pomeriggio ero dal barbiere per dare finalmente un taglio al mio look argenitno (eh si l'ultimo taglio di capelli risale alla patagonia!).

In attesa del mio turno sfogliavo distrattamente le riviste olandesi sul tavolo. Senza troppa voglia di un'esercitazione di lettura di olandese, sfogliavo le pagine guardando le figure e dando un'occhiata ai titoli.

Ad un certo punto, da sotto al mucchio di riviste salta fuori una copia del De Telegraaf, la cui foto in prima pagina attira subito la mia attenzione. La foto la trovate al fondo, e qui di seguito riporto il link con l'articolo originale:

http://www.telegraaf.nl/binnenland/60897541/U_wilt_zo_parkeren,_mag_dat_.html?p=18,1

Ik zoek een thuis!

Tue, 20 Mar 2007 15:53:34 GMT

Uno dei progetti per quest'anno e' quello di comprare casa.

Superato lo scoglio mentale (mi mento dicendomi che e' solo un investimento e non sto veramente "comprando casa"!)

e compresi i meandri dei mutui offerti dalle banche olandesi, ho iniziato da diversi mesi la ricerca della casa ideale: grande, in

una bella zona e soprattutto ad un prezzo che posso permettermi.

Alla fine dopi varie riflessioni e vari suggerimenti la decisione e' stata quella di comprare una casa in costruzione, aumentando le possibilita' di un incremento di valore dopo qualche tempo e minimizzando la possibilita' di costi di manutenzione/riparazione aggiuntivi (tetto, fondamenta, tubature) etc etc.

Cosi' via a spulciare tutti i progetti che si svilupperanno nei prossimi mesi ad Amsterdam; via a valutare le zone, le soluzione architettoniche ( a volte un po' curiose!!),

via a fare sopralluoghi in zone mai visitate della citta'.

Alla fine con Mel avevamo anche localizzato un paio di progetti davvero interessanti.

Il piu' bello di tutti in Ijburg. Tutti contenti siamo andati a "iscriverci" come interessati all'acquisto.

Dato l'alto numero di aspiranti acquirenti e la limitatissima risorsa che e' il terreno, per le case nuove si procede ad estrazione.

Uno si iscrive e se viene estratto si compra la casa!

Oggi i risultati: siamo i 348esimi!! e le case sono 24!!

La ricerca continua....

No smoking

Fri, 23 Feb 2007 15:13:36 GMT

Leggo con molto piacere sul giornale che il nuovo ministro della sanita' (insediato da pochi giorni con il governo Harry Potter II) pensa di introdurre anche in Olanda il divieto di fumo nei locali pubblici gia' dal 2008.

Finora si parlava solo del lontanissimo 2011!!! Incredibilmente l'Olanda sembra essere l'ultimo paese europeo ad applicare la restrizione.

Forse potro' smettere di fumare...passivamente, ogni volta che vado a cena fuori!!

Let it snow!!

Thu, 08 Feb 2007 15:41:06 GMT

Il rientro dalle ferie e' sempre abbastanza traumatico.

Per noi si e' trattato di passare dai 36 gradi e cielo azzurro a cielo grigio e neve!!

Oggi nevica, gia' da diverse ore. SiI aspettavano fino a 10 cm di neve, ma in realta' finora ne sono arrivate molto meno.

Comunque a sufficienza per dara un pretesto ai tremi olandesi di lavorare in forza ridotta: meno treni a causa di una presunta Emergenza neve!!!

Riusciro' a tornare a casa???