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Terug naar het Nederlands en een PP update

Het is ruim vier jaar geleden dat ik een berichtje schreef op deze website, in het Engels, en nu weer in het Nederlands. Nederlands is mijn moerstaal en scrijft toch wat vlotter en gemakkelijker. Dus, wat is er al die tijd gebeurd?

Sinds 2013 heb ik bewust een andere koers genomen. In het gebouw van zes appartementen waar ik woonde ging de kwaliteit van de buren hard achteruit. Dankzij de regering werden in 2013 goedverdienende nette buren weggepest naar koopwoningen. Eind 2014 werd ik de “aso” van een nieuwe buurman zat en besloot een appartement te kopen. In 2015 lukte dit tegen goede prijs en een lage rente.

De onzekerheid op de arbeidsmarkt, de huizenmarkt en wat nog meer besloot me om naar andere inkomensstromen te kijken. In 2013 was ik voorzichtig met mijn “bedrijfje” Digital Homestead begonnen, na mijn verhuizing november 2015 gaf ik dit handeltje fors meer aandacht. Mijn Zazzle-shop is flink opgeschoond en ik heb Amazon Merch toegevoegd om royalties te verdienen.

Het kopen van een eigen woning heeft flink huisgehouden in mijn Permanent Portfolio. De laatste keer dat ik deze berekende was ruim vier jaar geleden. Deze maand ziet het plaatje er zo uit:

Terug kijken Permanent Portfolio Nederlands

Ten opzichte van 2013 is het totaal bedrag nauwelijks gestegen, maar als ik mijn appartement meereken dan ziet het er beter uit. Het totaal bedrag komt dan uit rond de 200. Ik heb al flink wat eigen vermogen in mijn woning. De PP houdt geen rekening met vastgoed, dus bovenstaand plaatje is nu voor mij een nieuwe uitgangspunt voor de berekeningen.

Terug kijken

Ten opzichte van 2013 is verhouding tussen de klassen een stuk evenwichtiger. Goud (in mijn geval grondstoffen, mijnen e.d.) heeft het al die jaren slecht gedaan. Ik twijfel aan het “goud-verhaal” in de PP. In 2010 ben ik met PP begonnen en goud maar ook grondstoffen hebben niet echt gepresteerd sindsdien. Voorlopig lijkt het erop dat dit zo blijft. Een decennium niet presteren is best wel lang voor 25% van je beleggingen, als je bedenkt dat een mens hooguit 30 jaar met enig risico belegt (van circa 30 tot 60 jarige leeftijd).

In ieder geval is het plan voorlopig cash sparen en gebruiken om extra af te lossen op mijn hypotheek, het aantal EURO’s beperken tot maximaal 25.000, de overschotten daarboven omzetten in betere cash-producten (kortlopende veilige obligaties). En als ik lef heb koop ik opportuun goud EFT’s.

Domestic affairs

Bootleg cigarette plant in the polder

A couple of weeks ago I noticed a news item about a bootleg cigarette plant in the polder. First I was a bit surprised, because who would make all that effort of setting up an illegal factory in one of the most regulated countries in the world. And then trying to sell a product which is a bit bulky for a small price.

The magic word of course is “tax”. To give you an idea of the break down of the price of a package of cigarettes (19 pieces) of 6 EURO:

  • € 3,31 excise
  • € 1,04 value added tax
  • € 1,65 margin for producer and retailer (production costs etc.)
  • € 6,00 total

That makes 4.35 EURO tax on a package of 6 EURO. You can imagine that one could make a nice profit selling cigarettes illegally. Even better, why not setting up a bootleg cigarette plant in the polder close to your customers. Still, it must be a pain to distribute a product which is mostly air to thousands of people right under the nose of the cops.

Bootleg cigarette

Now, I’m not a smoker and never have been. Disgusting habit actually. But that’s not the point. The case that the Dutch government is a champion in taxing its subjects, is! Last two years it was one tax increase after the other. If not in plain sight then in disguise, for instance a hefty increase in rents forced upon the building societies.

Less tax revenues

The question is, will all these increases help the government meet its budget goals. Already business near the border with Germany and Belgium are going bankrupt, because citizens shop abroad. Not only will this translate to less tax revenues, but also we have to pay for extra unemployment benefits.

The best way to avoid paying so much taxes is to stop smoking all together. For that you probably need some help. For instance with nicotine gum. If you buy the product on the left with the affiliate link, then I’ll get a small kickback to finance this website.

The situation close to the border is depressing, the population at large isn’t happy either. Consumers keep being very tight with their money and the economy is noticing. Recovery of the economy in Holland is one of the slowest. Could it be that making sure that every household would feel the pain by means of widespread tax increases is actually a very dumb idea? Even punishing those households who have their finances in order and should be the first to help the recovery?

March 19th we have elections for the municipalities. It is predicted that the present coalition is going to suffer severely. A case of one excise too far.

Permanent Portfolio

November Status Permanent Portfolio

November status. Saving as if it’s going out of fashion. The total amount of my assets is going in the right direction, but the allocation is still very poor.

Permanent Portfolio

Going English…

It’s been a while since my last post, so a quick update is in order. First things first, I’m changing from Dutch to English. Hopefully I’ll get a bigger audience, because last years I got very little response. Also there’s another reason. This year I started to blog a bit about financial issues, mainly about keeping alive long enough to witness a wonderful space future.

One way to be part of a space future is, besides a good health, a fat bank account. Now you can save and invest your savings all you like, but it won’t make you exactly rich. Most people just have a salary and even with a frugal life, accumulating enough wealth is difficult. And a pile of wealth is what we’re aiming at. A couple of years ago I bought the book “The Millionaire Next Door“. The authors in this book explain why some people acquire wealth and others only debt.

The Millionaire Next Door

I’m not going to explain the whole book, you better buy it yourself because it so well suited to an ordinary individual with a job. One thing I’ll mention and that is the rule of thumb the authors use to figure out if you’re accumulating wealth fast enough or if you’ll have a very poor pension. The rule is, multiply your age with your income before taxes and divide by 10. This should be you net worth if you’re an average saver. Also calculate your true worth, that is all your assets (f.i. your house) minus your debt (your mortgage). Divide your true worth by the ideal worth. If this number is lower than 0.5, woe unto you, if it is higher than 2, start dreaming about retiring.

So how did I fare?


Not very fast, I’d say. Almost average. What my income is and what I posses, a house for instance, that is not for the world to know, but this way I’ll stay average. By saving alone nobody gets rich, therefore one needs extra revenues. One way is to monetize this website, but I’m still guessing how to do that. That was a very long explanation why switching from Dutch to English. Sorry.

Going English for my PP

Now, I also need to update my Permanent Portfolio status, so there:

August 1st.


September 5th.


Still no changes, savings are going well and the Euro is going strong. Last months, whole summer really, it was really busy and I hadn’t the time to give PP the attention it deserves. Nevertheless I need to start to allocate my little bit of cash. It’s getting risky with all my eggs in one basket.