Dear readers,
Coming back to the reduced income, maybe we should be more organized. Not only with the people in Thailand but also with expats in other countries. Because we are really getting caught!
They just think that we live a luxurious life with a few hundred euros. While for many people it is really minimal. For example, I will receive my state pension in 2 years, but I stopped working when I was 47. So only get 64%. Since I am married, I only receive 460 euros. If I want to insure myself against medical expenses, it will already cost me 450 euros.
Then I will receive a very small pension. But then I have even less than the Thai minimum. Fortunately, I have a good income here, otherwise I would have to beg.
So maybe there is someone who knows the way to approach a member of parliament or something and present this problem. And then support this with as many people as possible. In Thailand and other countries and family and friends in the Netherlands and Belgium. Because if we remain silent, we will be cut short more and more. And you saw it on TV they are good at getting back overpaid money.
Yours faithfully,
Cees
Stopping working does not stop the accrual of your state pension.
Your accrual will only stop if you emigrate.
But if you emigrated at 47 without enough money to live on, all you can do is complain about your poor financial planning.
The accrual of the AOW will also be adjusted from 15 to 65 to from 17 to 67.
You therefore lose the first two years of accrual.
So if you emigrated at the age of 47, you will only receive 60% AOW.
The chance that the government reverses anything is minimal, because that would leave a hole of billions in the budget.
All former guest workers from Morocco and Turkey who have returned home are also affected by this cutback.
Not just the expats.
So a lot of money is saved there.
Hi to help out a bit about the build-up of AOW sir above does not get 4% off it. Found this myself because I was insured outside NL for a few years.
Cees, you write that you have been living in Thailand for a long time and that "fortunately you have good income" but why this appeal??. My parents always told me, and still do, that there is no need for complainers.
Cees,
You stopped working in NL at the age of 47, I understand from your argument. How realistic do you think it is to expect NL to take responsibility for your financial situation in Thailand, some twenty years later? Do you really think that there is even one Dutch taxpayer to be found who believes that help is needed?
It's not about myself. But there are plenty of people who thought they could get by well here. But due to setbacks, they now have less and less to spend. All those who are still doing well. You hear me say, you rotten idiots. While those people have also worked all their lives and paid taxes all their lives, but are now having a hard time. But they see every time that all those foreigners who seek their happiness in the Netherlands are fully supported by the government. But you're probably not allowed to say that. Because all those foreigners who now live in their own country again and screw things up, the Dutch people who always work are also seen as pariahs. Especially if you say that you live in Thailand. Here's one text from eeWhat is happening here?
This isn't funny anymore!
No Cees. I find you very unreal. You've had a life in paradise for a long time. When we all got 52 baht for our Euro about five years ago, we all laughed.
Now it's a bit disappointing…… maybe it will be all right !!
Otherwise we have “betrayed ourselves”. It can freeze......it can thaw.
Dear Cees
If you have enough income there what are you worried about
If you stop working before you reach the age of 65, you know that your state pension will be reduced
Easy
How badly you read. I have no complaints at all. I am not doing this for myself. But I know several people here who had a very good life here a few years ago. But due to the declining euro and the government measures, not anymore meet the requirements for a visa. Imagine what that means for people who are perhaps 70 or even older. That they have to go back to the Netherlands and take to the streets there. Because then the government will really do nothing for them.While they do that for foreigners I did indeed stop working when I was 47. Of course I understand that I get less. And about those 31 years that I did pay taxes (And believe me that was a lot) I also have rights. But when I left the Netherlands there was still solidarity. But now I really hear I got it right. And only that is important
Cees, I agree with you.
Because you already have the next discount hanging on your pants. AOW not calculated from the age of 15 but from the age of 17 = 2 x 2% less AOW. If you worked from the age of 15 to the age of 17, you did have “national insurance” deductions.
If we start with health insurance, if they only reimburse government hospitals, the cost to the health insurance fund would be minimal. Why do they get in Cap Verde, called the NL. health insurance and we in Thailand don't?????
Perhaps the new ambassador can show the way in The Hague?
Nico
Personal circumstances naturally play a role.
However, the measures taken are not about that. These measures have consequences for all expats.
It is only about cuts and in such a way that expats all over the world are experiencing major negative consequences.
Reasons enough to send a clear signal to the government and the House of Representatives.
So I share the call to pull together!
Almost the entire Dutch population living in the Netherlands is experiencing the consequences of the government's spending cuts on citizens.
Why should it be any different for expats?
Incidentally, I hear few people complain about the fact that it has been possible for years not to pay tax in Thailand, simply because the Thai tax authorities have found it too difficult to collect that tax.
Until this year, however, a double exemption applied to the people who did pay tax.
Tax was withheld from the AOW in the Netherlands, but with an exemption in the Netherlands.
There was also an exemption in Thailand on the income that was taxed in Thailand.
So twice an exemption, where the residents of the Netherlands only had 1 exemption.
For those who want to reach politicians about this problem with some of our pensioners.
Here I have some twitter accounts that might be of some use to you.
https://twitter.com/emileroemer – Emile Roemer
https://twitter.com/geertwilderspvv - Geert Wilders
https://twitter.com/fritswester — Frits Wester
https://twitter.com/HumbertoTan – Humberto Tan (don't underestimate)
Dear Cees,
In your situation you can clench your hands that you can live in beautiful Thailand.
Our current government just continues to push through all kinds of laws, no one comes to the streets to protest.
Citizens are driven into poverty, thousands can no longer pay their rent, their mortgage and their health insurance.
The only thing that is growing in the Netherlands is the food bank, the difference between rich and poor is increasing, not only in the Netherlands, but throughout Europe.
The strange thing about the matter is that the Dutch continue to vote for the parties that drive them to poverty, what is called protest.
Always the same song. Everyone wants to strip the state. Don't forget if you live in another country you have one
you are a pure expense for the country you come from.You no longer digest anything in the country of origin.The same with health insurance.Which company would still want to provide health insurance to people aged 65 and older.An insurance company is not like the state that must make a profit
otherwise they will go under the skin. In any case, good luck with your action - but don't forget that we don't have it easy in Europe. Those who work complain bitterly about the high taxes and those who have to live with what father is handed out cry that it's not enough.
Eddie,
By “everyone” you probably mean the big grabbers (bankers, commissioners, directors of government services, health insurers, pharmaceutical industry, etc…).
@Eddy from Ostend,
I've worked all my life, since I was 14 years old (luckily) without having to stamp a day.
Since my retirement (at the age of 60, so worked for 46 years) I have moved abroad. Like "everyone", I paid Social Security contributions, directly by deduction from the salary (RIZIV-INAMI), and individually via mutuality.
I do think I contributed to Social Security, taxes, etc…. so if you're talking about
I quote: “You are a pure expense for the country where you come from. You no longer consume anything in the country of origin” etc… I still have my reservations about that, such as: Someone without papers or who enters the country illegally can do with a little happiness can be regularized and can even receive a living wage??? Afterwards, he or she can even enjoy the full system of our Social Security! (mutuality, child benefit, hospitalization, stamp money, etc.) without ever having contributed one Euro, is that normal???
dear Mario
I think this is spoken
I also worked in Belgium for 45 years
know people from abroad who have benefited from OCMW for 30 years (single),
who have 1050 euro pencioen net,
We have to give up almost 40% of our registration in Belgium with the loss of all rights, I say they are fools who work.
fons
'
'We look beyond the crucial problem, the call was to unite and make ourselves stronger against the new decisions from politics, The Hague, and what is to come.
Apart from the fact that Cees took early retirement is irrelevant as far as the new measures are concerned!
The new legislation, the participation legislation, affects every pensioner.
The undersigned has written in a personal capacity to all political parties.
The answers were below par, and no one stands up for the elderly Dutch people who have been deregistered. Out of sight is out of mind, according to the Netherlands.
In other words, those people who raised the Netherlands are being abandoned.
It therefore concerns thousands of elderly Dutch people, who after their retirement have the right to live where they feel at home. And in the direct case, financial victims have become due to the low exchange rate of the Euro, / Bank recession and wrong political policies.
Not to go on too much about Cees' private situation, he does have a point!
If the elderly do nothing together, then they are outlawed!
The press, and other media, do not pay attention to this? So it will be time to ring the bell together. So that this gets a hearing, and we are also heard.
Silence may be golden, but now it is the downfall of many elderly victims, who have built their lives in Thailand, raised a family, and have family and care.
And the well-known proverb is very loud, an old tree should not be planted in the Netherlands anymore, it has stolen the Netherlands, and cannot and will not return!
If there are people who feel called to stand up for this weaker group, then this is wealth, and certainly not a luxury.
It's time to join hands!
Peter,
Anyone who is moving to another country knows what the consequences can be, but it remains a great shame how our government treats its citizens, especially for those who live abroad, because they cannot register their address properly because people have longer address lines than the Netherlands and even more popular rules, to keep it short if you have left the Netherlands then you as a citizen get the feeling of being written off
If I may believe the writer, he has built up sufficient means of existence here. If he moved to Thailand at the age of 47, he will only build up state pension until he is 47. So you don't have to complain about that. If he stayed in the Netherlands until he turned 65, he built up a full state pension. Since the start of the state pension, you accrue 2% per year. Whether you work or not. If you have lived abroad for a number of years, a 2% reduction will be applied for each year that you lived abroad. You know that and you shouldn't complain about it.
Politics in the Netherlands has no connection whatsoever with the Dutch living abroad. They look at the voters, they choose them and what do they see there? That only 50.000 of the more than 500.000 Dutch people living abroad actually vote for the elections to the House of Representatives. If they all vote, that would be worth 8-9 seats.
So don't complain. You didn't vote, at least only a small minority, so those who don't vote shouldn't complain. And by the way, there are parties whose slogan is “The Netherlands for the Dutch living in the Netherlands”.
And then nothing is said about the relatives of the expats.
Actually, if you look closely, the group of expats plus the living in the Netherlands or Belgium
relatives , a group that can put pressure on the government .
However, it must appear in the media that the family members residing in the Netherlands or Belgium
show solidarity with their expat family members.
In other words , show them how big this voter potential really is .
Ruudje
A response to writing to politicians makes very little sense. Expats are not potential voters. Both in numbers and turnout or actual vote gains. That's the reality. If you choose to emigrate, you will often have to fend for yourself. To assume that the state of the Netherlands still has or has developed some sense of duty of care for this group is beyond the new reality. If you emigrate, you will really have to have your finances in order in such a way that you do not become too dependent on changing legislation in the Netherlands. It's not really about a lot of money, but if you are having financial difficulties in this new situation, emigration was not a good decision, given your financial dependence on your mother country. No matter how tempting it may be to emigrate to Thailand, for example, if your spending budget is tight, you are taking a lot of risk.
Dear people,
And what Nico says above, I do not agree with!
He says that the Dutch in Cap Verde do get Dutch health insurance and we don't here in Thailand. Because I have been deregistered from NL for 15 years and had health insurance from the Netherlands with CZ for the first 10 years, but I did pay 329 euros per month for this premium.
And there we already have your point, you want health insurance from the Netherlands of 110 euros per month and also 40 euros back from the tax and then lying here in the sun, you can get Dutch health insurance even if you no longer live in NL , but you have to pay a higher premium.
If you say everything honestly and do everything according to the rules of the Law, then everything will be fine.
Best regards,
Josh from Pattaya.
Dear Josh,
And what do you think of the amounts we save for health insurance, because they are cheaper and we are more expensive. In addition, everyone is allowed to live and live according to current legislation.
Only you will be thrown out of the insurance at the same time because you have to stay in the Netherlands for 4 months a year. So it's not that simple. I also live in Thailand but officially and I don't scam any agency. But pay me the cramps for health insurance just like many people in the Netherlands.
And if you really want to be honest and have to do it according to the rule of the law. Then you will be fobbed off and chased into the reed. I moved to Thailand before my illness because I had been in a wheelchair for a long time in the Netherlands. expensive price, despite the nice weather. Oh yes, I don't need 40 euros back from the tax. Only a real respectful treatment and you can write that best jos on your stomach. Because government agencies or semi-government forget it is a bureaucratic mess. I will only go back if Thailand expels me if my state pension and pension no longer meet the requirements of Thai law. Then let's join forces and set up a party for Dutch people abroad in the Netherlands. 9 seats then you have something to crumble in the milk.
Where has the battle gone?
The bankers enrich them. The lowest tax bracket has gone up again for the poorest.
What did my Father strike for and so did I. Years ago. For a better distribution of wealth.
We just give it away. As an old fart you can still occupy the highway with your walker.
They stay behind those famous flowers and maybe read Thai blog and then we did it.
I still pay tax in the Netherlands.
Cor van Kampen.
Dear Cees and all readers and writers,
In general, it must be said that everyone who leaves the Netherlands chooses to do so (unless you have the idea that you are an economic refugee). I assume that anyone who intends to move to another place should first inquire carefully about the financial consequences of leaving the Netherlands. As long as you are in control of everything, there is no reason to complain or for others to feel sorry for you.
Workers in the Netherlands have to gather the benefits to AOW pensioners. It should not be expected of these people that they also have to contribute to the livelihoods of people who have left the Netherlands of their own free will.
What Cees is asking for has already been extensively addressed in Europe, especially Spain and France. Proceedings have been taken up to the highest European Court. And then it only concerned facts such as conflicts with European regulations with which successes were achieved. The chance that the Dutch government cares about expats in Thailand is absolutely zero point zero.
Cees' comments can be called dubious. Cees says that he stopped working at the age of 47 and therefore also stopped paying the national insurance contributions. He may clench his hands that he gets something else. After all, if you no longer pay a premium for a private insurance policy, your rights will lapse at all.
Moreover, Cees says that he still has a good income in Thailand. The question then arises whether he pays premiums for a pension insurance policy. Usually the expat is not allowed to work in Thailand, but if Cees has a work permit and is not doing anything illegal, then Cees has nothing to complain about.
I believe that Cees' question is inappropriate in his situation.
Cees, a very harsh wind has been blowing in the Netherlands for years. Especially Dutch people who can afford to build a life outside the country's borders can count on little sympathy. Many would like to follow your and my example, but simply do not have the resources and/or courage to take that step. Those left behind have seen their disposable income decline year after year; many struggle to make ends meet. So why should the Dutch government and Dutch citizens care at all about birds of paradise like us? By leaving the Netherlands, we have evaded many duties from which those left behind cannot escape. Please note that with the obligations we have also waived the rights. Fair right?
Dear Cees
Now explain to me what you would like now.
That they supplement the expat's reduced income. So that you can live the luxurious life
can continue? The Euro is not just low for you. But for everyone in the Netherlands
You can, of course, demand that they open a few more 100 food banks
so that they can take something from the elderly here and then transfer it to the expats
They don't think you can live a luxurious life for 400 euros
She's not interested in that. And rightly so, you choose to live in Thailand with your 47 th year, we all want that. That you will be cut on your state pension for that, that money for everyone
and it is also entirely your own fault you could have insured yourself for that.
But you didn't. And now you want the Dutch state to do that. Does not make any sense
We are getting cut more and more you say. What are you shortened to that the rest of the Dutch are not shortened to?
They are good at getting money back you say
They are not good at that at all. Or do you think that Pole or Romanian will neatly refund the overpaid money obtained through fraud.
Dear Cees, you have no right to complain
And therefore find your call nonsensical and a bit shameless
Especially since you also say that you have good income yourself
If you have good income, make sure you have a good old age
And don't try to make the rest of the Dutch people pay for it
Wall they may have it even harder than you
I wish the initiator good luck. Unfortunately, you can't fight against reality. There are Thais who have it much worse. That is not fun either, but the Dutch government is not going to do anything about it either. In the old days when your father and mother still took care of you, everything was much more fun. Around the age of 60 you may find out that that time is over.
What confidence in a politician, who often cannot be trusted, lying and cheating and defrauding the people of a lot of money. I receive a ZW benefit, weekly payment, net 1800 Euro per month. (More than Euro 900,00 less than when I was working) The monthly fixed costs amount to Euro 1600,00, on balance only Euro 200 remains, sometimes even less, my wife receives less than Euro 300,00 net AOW, which she saves for both of us to go to Thailand, first once a year, now more often once every 1 years. I have paid premiums for over 1 years, but after 2 years you have to leave the unemployment benefits, luckily an accident is my fairly serious heart condition, which means I can no longer work, but yes, I can no longer do the things I want to do. For the record my wife is Thai!
It seems to me that almost everyone in this world has a government elected by a majority of the population. Except, of course, for countries where there is no right to vote.
So I don't see the point in complaining on some forum, but use some common sense in the next election, and don't vote for the party your grandparents, your parents and yourself voted for a lifetime. Make your voice heard when filling in your voting form!
Perhaps I am a dreamer, but I think that better is possible.
Every advantage has its disadvantage (JC Cruijff), nobody heard when the euro was overvalued.
If a voluntary choice is made to live elsewhere, this is your own responsibility. In the Netherlands, people also have the same problem, you will only have to bridge 2 years of state pension or suffer from the participation law with a younger partner. It is logical that the Netherlands has nothing to do with the exchange rate difference between the euro and the bath. I would also like to receive an allowance if the exchange rate is bad and go to Thailand on vacation. Indeed I don't live there.
At regular intervals you can read indignation on this blog about the decline of, for example, the state pension.
To be clear, the state pension premium is a pay-as-you-go premium, in other words, those who are currently working and paying premiums pay the state pension of those who are currently receiving state pension. received. It was assumed that you would work for 50 years and then build up 2% per year in state pension and at 50 years that is 100%. Even if one lives in the Netherlands until the age of 65, now 67, one has the same rights. A good acquaintance emigrated before the age of 65 and has paid the difference in years and now enjoys 100% state pension. So what Cees writes: his train of thought is unreasonable and unrealistic. He too could have studied the social system and probably a few more. People who have lived abroad in the meantime and have been deregistered and who return before the age of 65/67 also receive a discount on their state pension. I would also like to note that pensioners in the Netherlands pay tax on their state pension, from which expats are exempt. And then everyone is responsible for their own actions, so if you do not inform in advance, you should not blame your own incompetence on the taxpayer in the Netherlands. If you do not agree with this, then you can come back. The comparison with people who receive benefits here as refugees is this; the circumstances why they fled are not in proportion to the voluntary emigration to, for example, Thailand.
Mistake, since 1-12015 the expats are no longer exempt from tax on AOW
Maybe Cees you can ask the military junta, applauded by many here, to make up for the difference in income you suffer. After all, you have consciously (I assume) settled in a country where democracy is not so deeply entrenched.
After all, those who call the shots in Thailand today never tire of repeating that they are 'there-for-the-common-people'; this in contrast to the opinion expressed by many here about the Dutch government, which is only out to strip poor Thai ex-Dutch people lying in the sun or women's arms...
The AWBZ has been abolished since January 01, 2015 and the Municipalities must take over the care for it. Everyone in and outside NL must pay 3% more tax, which is transferred to the municipalities to help with this care, instead of paying the AWBZ. I paid 2% tax on a small supplementary pension, which has now become 5%. I have no benefit at all from it, or from it, as I do not or will not appeal to it. I protested vehemently, but you can't do anything alone, and I don't trust the political clowns in The Hague to complain about that, they're laughing their asses off. We must unite and make a fist. Writing letters to the newspaper does not help.