Off-Topic / USA News and Poland - part 16 [1071]


That's very unfair on Belarusian ladies of negotiable affection!


You know none of that was ever proven (unlike the history of her working illegally in the US).

Off-Topic / What is a woman? [691]


Somebody who covers her drink when you walk into the bar.

News / European News and Poland Thread - part 4 [1019]


Can you please get in touch with the Home Office. At the moment they have a long process (and costly) process for assessing which asylum seekers are entitled under UK law to asylum and which are not, but you can apparently tell who is and isn't genuinely entitled under UK law to asylum just by looking at them.


If somebody wants to work full time for the NHS for 79p a day, I say let them.


You mean apart from the obvious?

Off-Topic / Stock Market Talk and Trading - part 2 [743]


That's the thing, jimmy rapist is too numerically illiterate that he can't even get his argument straight and so instead posts things here showing that he's lying. For example, he claimed that he makes

But then he tries to show off about knowing "the rule of 72" and says

Because he's too retarded to be able to divide 72 by 20. If he could divide 72 by 20, he'd know that a 20% rate of return means one would double one's money in 3.6 years.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


He would be exactly that, but he tried to invest his pension in the stock market and very quickly, but painfully, discovered that trading really is not an activity for people who can't even cope with simple percentages.

Jimmy rapist is so numerically illiterate that he thought 72 / 20 = 6! He claimed that he's getting a 20% return on his money and doubling his money every six year! LOL! What a f*cking retard!

Off-Topic / Stock Market Talk and Trading - part 2 [743]


That's not true! Jimmy rapist has got at least a 350% higher chance than any other poster here of trying to boast about getting below market rate returns. Nobody else has done that even once yet but jimmy rapist has now done that six times! My favourite is when he tried to boast about getting a 1% fantasy return on some stocks when the market had gone up by 300% of that much! LOL! What a f*cking moron!

Off-Topic / Stock Market Talk and Trading - part 2 [743]


LOL! Look what the S&P 500 and Nasdaq have returned over the last six years. Jimmy rapist claims he got 100% growth in six years, but in that time the S&P 500 is up 108% and Nasdaq up 150%. So yet again the Michigan Mystic boasting about getting fantasy returns which are well below what one would get by just tracking the market! What a f*cking retard!

Off-Topic / Remembering Adrian [24]


Adrian certainly had his demons. And eventually his demons had him. It's frighteningly easy for that to happen. As Bill Hicks put it: Anybody can be an alcoholic. All you need is the right friend, the right girl and the right bar and you'll be well on your way.


I think he probably was a good person (he certainly had the potential to be) when he wasn't in an altered state. Unfortunately he literally wasn't himself for a lot of the time.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


One of the good things about the stock market is the way that it consumes those who think they're smart. If somebody thinks they know better than Warren Buffet's entire team but in reality they can't tell the difference between percentage change and change in points, they'll very quickly lose their little all.
A superb example of this is a certain retired car mechanic who lives in a shack in Michigan and looks at these numbers
SMI Jul 7 Open 11,969.52 High 11,983.33 Low 11,933.89 Close 11954.54
and says SMI

He so quickly lost the small amount he saved that he needed to rent a room in his shack to a convicted paedophile and his wife had to mind children into her 80s. But he's so financially illiterate that he claims:

And then talks about "the rule of 72", claiming

But if 72 / x = 6 (i.e. somebody doubles their money in 6 years), x = 12, so Jim has just given us a rule which shows he's lying when he claims he makes 20% a year. LOL! What a f*cking moron! Does anybody need any further proof that jim rapist is completely illiterate when it comes to finances, and even simple percentages?!

News / European News and Poland Thread - part 4 [1019]


Well, there wouldn't have been an OTC anyway, those are at the university level. My old house at school is also no more, it got pulled down and the site was sold for housing. I still have half a brick that I pulled from the rubble after hearing that the place had been demolished.


To be fair, there was a lot more huffing of aerosols than sniffing of coke (although I personally never tried the former of those).

News / European News and Poland Thread - part 4 [1019]


Is Marlborough fully co-ed now? It was single-sex up to the sixth form back when we used to play cricket against them. A friend of mine got kicked out of there for dealing coke in her first term (in the sixth form obviously).

Off-Topic / Stock Market Talk and Trading - part 2 [743]


The most hilarious thing is that those people are too dumb to realise what they're trying to compete with. The quality of analyst reports nowadays is so good and the analysts are so specialised. Those are very intelligent, very well educated experts in their fields, and all they do all day every day is research their very narrow area of expertise and write reports about it. And they have access to far better and deeper info than entirely untrained high school drop-out living in a shack in the woods has.

The problem is that those reports cost quite a lot (because staff such as those described above demand good wages), so you need to be managing a minimum of $100 million before the cost of the reports is outweighed by the advantage they supply.

That said, some people are so hilariously financially illiterate that they come out with sh!t such as


For context, Warren Buffet, arguably the greatest investor of all time and currently the ninth richest person in the world, couldn't get a 20% return. The fund he ran gave a compounded return between 1965 and 2024 of 19.9%. But the Michigan Mystic reckons he can beat that while "play[ing] it safe"! LOL

News / How will Trump's trade tariffs affect Poland? [74]


Yes, but he clearly is an idiot anyway. I have no idea how it's possible to go bankrupt when running a casino but he managed to do it three times.


Yes, but he is a damn liar anyway, as shown by the $83.3 million he has to pay to E. Jean Carroll (plus another $5 million for raping her).

News / How will Trump's trade tariffs affect Poland? [74]


S&P 500 is up 6.6% since Don TACO took office. In that same period the S&P 50 Asia is up 19.7%, the DAX is up 21.1% and the WIG is up 29.9%. The growth over the last three months is entirely due to the world realising that Trump Always Chickens Out and his rants about 150% tariffs mean absolutely nothing.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


Yes, but the actual costs of trading are only taken into consideration by those who trade. Those who have no money to trade with are completely clueless as to the costs of trading, in much the same way as those who have no idea what a beer costs (because they're too poor to go anywhere) and who get free internet from their church think it's better to pay 775zl a month on a beer a day in order to get 'free' Wi-Fi than to just pay 29zl each month for 75GB of mobile data.

Off-Topic / USA News and Poland - part 16 [1071]


I was once in an Uber and the driver was playing a game on his phone while driving. I told him to pull over and let me out, which he was very unhappy about (we were about 5% of the way to Modlin airport, so the ride would have been a nice earner for him).

Off-Topic / Stock Market Talk and Trading - part 2 [743]


Don Taco doesn't care about anybody other than Don Taco. He doesn't need those voters anymore and would be entirely willing to deliberately crash the entire crypto market if it made him a few bucks. And once he's gone, everything changes. Just look at the approach the EU is taking with the Markets in Crypto-Assets Regulation.


Yep. Crypto appeals most to those who can least afford the losses they inevitably suffer, the kind of idiots who think it's financially better to go every day to a place that offers free Wi-Fi to those who buy 25zl drinks rather than just paying 29zl for more mobile data than they'll use in an entire month.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


It's also under SEC investigation and has inadequate cybersecurity. And then there's the problem with all these meme stocks: eventually the bubble bursts.

I very much get the feeling that six months from now jimmy rapist will be trying to boast about his imaginary COIN shares going from 150 to 155 in a single week.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


LOL! What a f*cking moron, trying to boast about a stock he fantasy bought at 44.25 dropping to 34.59.

In case anybody in addition to jimmy rapist forgot:

polishforums[dot]com/off-topic/stock-market-trading-talk-85560/29/#msg1986637


I have never ever seen anybody trying to boast about taking a 25% loss before, let alone boasting about shares he doesn't even own, so how does the Michigan Mystic do it?!

Off-Topic / MH17 10 years later - Russia Found Guilty [8]


Still trotting out Kremlin propaganda then. Pity, I thought that you no longer posting about the "Nazis" running Ukraine was a sign that you'd learned to ignore Putin's bullsh!t.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


It would be much quicker to list the things that he understands more than zero about.

Obviously percentages won't be on that list, as shown by him claiming that these figures show a fall of 18%: SMI Jul 7 Open 11,969.52 High 11,983.33 Low 11,933.89 Close 11954.54! LOL! What a f*cking moron!

[Edit] I've just had a look and I'm up 2.2% on my biggest holding today. Very nearly back to where it was before Don Taco took office and tanked the markets by being as financially illiterate as Jimmy Rapist is.

Off-Topic / USA News and Poland - part 16 [1071]


Did you see Treasury Secretary Bessent on CNN? He really let the cat out of the bag when it comes to how the rest of the world view Don Taco by blurting out "Well, many of these countries never even contacted us"! LOL!

Off-Topic / Stock Market Talk and Trading - part 2 [743]


One of the many many things he doesn't understand. Although I suppose we can excuse him wanting to know nothing about a saving scheme where 32% of the money saved is repaid by the taxman.


Well, you can if you invent a time machine and go back in time to before when the mine closed. Of course the reality is that Trump made the same promises about coal when he ran for president in 2016, but then more he closed more coal-fired power plants in just the first two years of his first term than Obama did in his entire first term. But some people are so dumb that they believe the same lies over and over and over again.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


It's in GW. Still a bit below 50% (44.1%) but was the first month ever that renewables have accounted for a bigger share than coal (43.7%).


If you were working in those years you should have paid class 2 contributions. Those are the cheaper ones, only about £180 a year.


HMRC are being pretty reasonable about proof of working outside the UK. One chap I know in Warsaw (I'd be surprised if you don't also) said that he was working for a few years at a school which closed down ten years ago after the owner died and they were fine with that explanation.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


While I remember, which IZKE are you in? I've got mine in Goldman Sachs Europejski Spółek Dywidendowych. That's up 10.7% 12M, not a bad result given Don Taco tanking the markets but also a long way from the WIG 30 12M. That said, it is up 44.67% 36M.

I'm tempted by Goldman Sachs Średnich i Małych Spółek, as that's 25.67% 12M and 92.28% 36M. Maybe I should balance between the two?

That said, even 10.7% 12M is a cracking result when 32% of the cash invested is given to my by the Polish taxman! Got to love the IKZE!

Off-Topic / Stock Market Talk and Trading - part 2 [743]


I'd say it's more like hundreds of thousands. As they should, given what a cracking deal the UK state pension is.


Why take the chance of awkward questions when you can just submit something which will satisfy them enough to not ask for further info? One of the pieces of evident I submitted was a print out, in Polish, from the KRS website. It was all the same as on the website, but I'm fairly sure it could easily have been altered without them knowing.


From memory I transferred by back payments in March and they were credited in November.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


From my experience you don't need to wait for a call. Just fill in form CF83 after reading leaflet NI38 and then send it to the address given on CF83, not the address given on the otherwise identical form at the end of NI38. The FPC will want to see proof you're employed overseas, so send that too. If applying to pay past years, it's good to also provide proof one was employed overseas during those years too. If you don't send that proof, the FPC's first action is to write to you asking you to provide it. The point is that there's one rate (class 2 voluntary) for people who were employed (or self employed) and a significantly higher rate (class 3 voluntary) for people who weren't working.

But either way, the investment opportunity is far too good to miss out on!

Off-Topic / Stock Market Talk and Trading - part 2 [743]


Even by the standards of Jimmy the Rapist this is hilarious!
SMI Jul 7 Open 11,969.52 High 11,983.33 Low 11,933.89 Close 11954.54
finance.yahoo[dot]com/quote/%5ESSMI/history/?period1=1751846400&period2=1751964640

The problem is that Jimmy the rapist is too stupid to understand the difference between percentage change and value change. So when the index when down by CHF 17.87, he thought it had gone down by 18%! LOL! What a f*cking moron!


If anybody does want to compare where I live to where the rapist lives, just get my address from Jim and then put it into sonarhome[dot]pl/ceny-mieszkan/gdansk to see how much it's worth and how the value has changed over time. Then Google Jim's name and the name "Richard Ruffe" (not Jim's name) to get Jim's address. Put that address into [name of county]county[dot]org/services/property_search.php
Here's his shack:

• 
  Jimsshack.jpg
  

Off-Topic / Stock Market Talk and Trading - part 2 [743]


While the rapist bleets about markets going down, my biggest single shareholding is up 0.6% today. Unfortunately, it's down on the year, thanks to Don Taco, but I'm in it for a long term and it's still triple what I paid for some of those shares (back in the dark days of COVID).


Oh dear, yet again the rapist proves percentages are a mystery to him:
Swiss Market Index
11.954,54
−17,87 (0,15%)today
google .com/finance/quote/SMI:INDEXSWX
Although I should point out that I don't have any funds in SMI trackers, I only picked that for cms's competition here.

Off-Topic / Stock Market Talk and Trading - part 2 [743]


And now it's down 2.3%. Yet another hot tip from the Michigan Mystic!