Hi all, 

 

I've just read something about the changes to mortgages that I was not aware of (perhaps I've had my head buried in the sand):

 

"If you own a house, the interest you pay on your mortgage is fully tax deductible over 2012, but that will change in 2013. You will also have to pay something called the eigenwoningforfait – this is a fictitious income which home owners are said to benefit from, and are taxed on as if it was real money."

 

From what I can gather from the article it means that you will now have to pay 0.60% on the WOZ value of your house as a tax. Which I guess means that the the tax rebate you get on your mortgage payments  will get smaller.

 

I know there have been changes to the mortgage system but I thought that they only affected people taking out new mortgages.

 

Does the eigenwoningforfeit apply to everyone with a mortgage? 

Hi all, 

 

Does anyone have a recommendation for a Portuguese teacher or school in Lisbon? I'm interested in a 1-2 week intensive course for beginners in the city centre.

Hello,

I'm looking for an experienced dog trainer/behaviour expert in Amsterdam. Does anyone have an recommendations?

I prefer an individual rather than a 'school'.

Thanks!

Hi all,

I live in the Netherlands and will travel to Germany to get a second opinion about a medical problem (don't get me started on how bad the 'let's wait and see' system is over here).

As I don't speak German, I am finding it difficult to find out which clinics are private. Can anyone provide a list for me? I need somewhere used to dealing with foreigners in English and where they have a surgery department.

As I will come from the Netherlands, it would be great if anyone knew of something in the following cities:
- Dusseldorf
- Aachen
- Munster
- Essen
- Dortmund
- Koln
- Bonn

Many thanks!

Thanks for the info. The problem is not cardiological. I've done some research and most of the private clinics in NL are for cosmetic surgery, skin, eye or teeth problems.

As I have a very comprehensive health insurance package I'll check what their policies on non-emergency healthcare overseas.