News / Coronavirus in Poland - part 2 [599]

I've had five jabs (remember that the first vaccination was two shots) and zero cases of COVID.


Nobody was forced to take it. Nobody was held down and injected against their will. People were simply told that if they wanted to do certain things (e.g. eat in restaurants) they needed to be vaccinated, because the greater good was more important than their desire to have an eat-in burger.

Life / Poles turn their backs on organised religion. [148]


That's because a lot of it is completely fake. For example, a poster here is an elder at a certain "Evangelical Church" in Michigan but still posts comments such as this one

UK, Ireland / Getting a UK state pension in Poland [37]


And it gives a nice warm feeling inside, doesn't it. Knowing that one's financial future is that bit more secure. And at such a stupidly low cost! No old age poverty for us, no being so poor that we can't even dream of going out for a cup of tea and so have no idea what a cup of tea costs, no having to rely on charity to pay our internet bill each month, no wearing fourth-hand Walmart clothes which have been washed so many imes they've completely lost their shape (as modelled below by the Michigan Mystic), no eating roadkill and left-over fish we find lying around the docks, no getting water from a well outside a shack given donated by mum.

Somebody really should get Jimmy Poorhouse to do an advert about why it's important to save for one's old age and how the UK state pension is a deal you simply cannot miss!

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Off-Topic / Stock Market Talk and Trading - part 2 [747]


Not only is it fair, it would be good for his wife's mental health: Jimmy Poorhouse could fantasy block everybody from his fantasy thread about his fantasy wealth, which would no doubt make him less miserable and thus less of a misery to be around.

Hell, he could even make himself fantasy moderator of this thread and fantasy edit everybody's posts. I'm sure he'd love to edit some of his own, e.g. the one where he claimed that "market indices are called etf's", the one where he demonstrated he can't convert between two currencies, the one where he claimed that an S&P 500 tracker fund is a "tech" fund, the list is endless!

Off-Topic / Stock Market Talk and Trading - part 2 [747]


Well, Jimmy Poorhouse can have fantasy ownership of it. He can't really own it in the way that he owns the well that supplies his shack with water (although he was also given that, by his mother). And I have to congratulate you on choosing a price that even he can afford!

Off-Topic / Stock Market Talk and Trading - part 2 [747]


Could you agree that while it's actually your thread, Jimmy Poorhouse can have fantasy ownership of it as his fantasy thread? In the same way that he has a fantasy Learjet, fantasy exchange traded funds, a fantasy racing yacht and a fantasy ocean-going yacht, a fantasy share cattle ranch and a fantasy career as a day trader. Whatever helps him get away from his grim reality of a shack in the woods would be good really. Just look at it!

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Off-Topic / Things We Love [332]


It's still operating, but on Okolska. Or at least it certainly was the last time I was in Warsaw. Have you checked their FB page?

Off-Topic / Stock Market Talk and Trading - part 2 [747]


Jimmy Poorhouse doesn't even know he should read the names of the things he pretends to invest in. The name of the ETF that has the ticker VOO is "Vanguard S&P 500 ETF", which tells anybody who reads the name that the fund tracks the S&P 500. But Jimmy Poorhouse is so retarded that he tried to claim that

LOL! What a f*cking moron! Hoot!


Better to max out one's IKE and IZKE allowances every year. Decent rates of return and impossible to beat tax effects. Also well worth upping one's own contribution to the PPK run by one's employer, it's not as if you're going to really notice a 1% drop in your salary each month, but in my case going from 2% to 3% would result in an 800zl a month bump in pension. That would be worth having. Would be the difference between being so poor that, like Jimmy Poorhouse, going out is such a dream that one doesn't even know what a cup of tea in a cafe costs to not only being able to have a cup of tea out every single day but also having a slice of cake to go with that cup of tea. (Although looking at the photos on the church FB page, Jimmy has already eaten more than enough cake for two lifetimes. Hoot!)

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Off-Topic / Stock Market Talk and Trading - part 2 [747]

Yet again the Michigan Mystic doubles down as he tries to lie his way out of trouble! But the problem is that Jimmy Poorhouse has nothing to bet with, just as he has nothing to invest!

You can no more buy an exchange-traded fund than you can buy a listed company. If you buy 100% of a listed company, it no longer meets the requirements to be listed. Instead you buy shares in a listed company. For example, I own shares in Marks & Spencer, I do not own Marks & Spencer! In the same way, one buys units or shares in an ETF. Unless you're a utterly moronic as Jimmy Poorhouse, in which case you buy nothing (because you have so little money that you can't even buy a cup of tea in a cafe) and instead pretend that you've bought an entire fund. And then you make it crystal clear that you're a f*cking moron by coming out with such insane sh!t as

But maybe Jimmy Poorhouse is finally starting to realise he's leaving no room at all to misunderstand how little he knows about finance: he's stopped even pretending to claim that he's better trained, better qualified and better informed than the analysts who write reports that wannabe day traders can only dream about accessing.

Off-Topic / Stock Market Talk and Trading - part 2 [747]


Yes, they do. And they also have a number of highly qualified and very well-trained analysts who focus on that particular industry. Experts who do nothing except learn about the industry and then make recommendations about whether to buy, hold or share shares in companies involved in that industry. The idea that an entirely untrained high school drop-out living in a shack in the woods is going to know better than them or have access to better information than them is utterly laughable. But the idea persists. That's because the morons who think they can beat the market help those who are better informed: the morons buy sh!t the well-informed traders don't want and are more willing to sell what the well-informed traders do want than other people who are also well informed. Of course it's also because the morons are morons and so don't know they're being taken advantage of.

And most of the time those who claim to be "highly successful day traders" are actually high school drop-outs living in a shack in the woods who only ever invest fantasy dollars. Because they have not even real cents to invest. Some of them are so poor that they don't even know what cup of tea in a cafe costs and so come out with hilarious sh!t such as it being better to spend 450zl a month on tea at a cafe that offers free wifi than to spend 29zl on 300GB of mobile data. You know, the kind of hilarious sh!t that Jimmy Poorhouse comes out with, stuff that's nearly as funny as

LOL! Hoot! What a f*cking moron!

Off-Topic / Stock Market Talk and Trading - part 2 [747]

And still Jimmy Poorhouse doesn't understand even the very first thing about the stock market! He still doesn't know that there are very well-qualified and superbly trained analysts who all day every day research very narrow parts of industries. They know to the last detail, for example, what effect upcoming (and proposed) regulation changes will have on the HVAC industry. Jimmy Poorhouse doesn't even know what HVAC stands for. So they can provide information about which firms stand to gain from the regulation changes and which will lose. That info tells investors which shares to buy and which to sell. Anybody sitting at home reading websites simply is not going to beat those researchers, you don't have the the access to info, the knowledge, the time (well, Jimmy Poorhouse has the time, but he's a moron and has nothing to invest anyway), the expertise and the drive. One can buy their reports, but the advantage those reports give compared to cost means you need to be managing tens of millions of dollars in order to cover those costs.

But real investors love amateur traders! They're the mugs who'll buy the share in companies posed to do badly and they don't know about the companies posed to do well. As Jimmy Poorhouse so marvelously proves so regularly.

The only winning tip with shares is not to buy individual shares, instead buy units in tracker funds. Unless you're as much of a moron as Jimmy Poorhouse: if you're that thick, just play the slot machines, it'll be much less embarrassing than trying to buy a market index while claiming that

What a f*cking moron! LOL! Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [747]

Oops, the Michigan Mystic appears to be having another attack of senility. He's completely forgotten saying this:

https://polishforums.com/off-topic/stock-market-trading-talk-85560/30/#msg1987510
and this

https://polishforums.com/off-topic/stock-market-trading-talk-85560/30/#msg1987544

But the reality is that he remembers saying that, and he bitterly regrets saying that, because those statements show how financially illiterate he is, i.e. completely. And who but a complete f*cking moron would claim to own an exchange-traded fund? LOL!

That said, he's also too moronic to even speak English. Just look at his repeated failures to spell "Mystic": first he went with "Mistic" and then "Misic"! What a retard! He's too f*cking dumb to even spell the word "pea"! Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [747]

Another melt-down by the Michigan Mystic. And, even more impressive, another yet reverse kiss of death: no sooner does Jimmy Poorhouse try to boast about being out of fantasy Tesla stock than it goes up by 1.2%. And yet another kiss of death: the funds he says he's moved his fantasy dollars into are down by 0.02% and up by 0.15%, both below the market indices they aim to track.

But of course Jimmy Poorhouse doesn't know those ETFs are supposed to track indices: he claims that market indices are EFTs! LOL! What a f*cking moron! And he claims that VOO and VUG are "tech fund"! He's totally clueless about finance. Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [747]


How does the Michigan Mystic do it? At 250 analysts were pretty much universal in giving Tesla a buy rating, but then came the kiss of death: Jimmy Poorhouse tipping the stock at 257. Of course it immediately dropped, to 254. Since then things have got much worse, and the price has slumped to 217. So, if you'd taken the correct approach, and done exactly the opposite of what Jimmy Poorhouse, shorting 100 shares would have brought you $4,000 profit today. LOL! Hoot!

UK, Ireland / Getting a UK state pension in Poland [37]


Are you sure? I thought the use of those was capped at no longer than 11 months.


Any mail forwarding service would do the trick.

The important thing is that he jumps through whatever hoops HMRC want him to. The UK pension in exchange for only class two contributions is the deal of a lifetime! It's not a vast amount of money every month, but it can make the difference between a comfortable-ish retirement and not even knowing how much a cup of tea costs because you're too poor to ever go out anywhere. Ask Jimmy Poorhouse how that feels!

Off-Topic / Things We Love [332]


I was in Lidl yesterday, got some of their own label smoked Pacific sockeye and also some smoked Rainbow trout. Both are excellent, highly recommended. Unfortunately I can't tell you what they cost, I don't bother looking at the price tags of things I know I like. Must be terrible to have to live one's life begging food from strangers at docks!

Feedback / Who deserves to inherit Polish Forums? [344]


Better to not joke about people running off with donations, a few people here still remember something very similar happening. Does the name Convex mean anything to you?

UK, Ireland / Getting a UK state pension in Poland [37]


But that's to get an NI number. This bloke has worked for several years in the UK system, so he certainly has a number, he just needs to find out what the number is. I'd definitely spend half the price of a cup of coffee on a long call the HMRC, the huge return makes the time spent very much worth it.

That said, even a trip to the UK specifically to go to HMRC in Newcastle would be worth the time, effort and money. This is such a good deal. And it's so important to not be poor in one's old age. Look at poor Jimmy Poorhouse, reduced to standing around docks complementing fishermen on their catches and trying to beg whatever fish they can't be bothered to take home!

UK, Ireland / Getting a UK state pension in Poland [37]


That's simply not true. Apart from anything else, discriminating against EU nationals who were resident in the UK on the basis that they no longer have a UK address would be a breach of the Withdrawal Agreement. I also know from personal experience that they are perfectly happy to call non-UK numbers and also to send things outside the UK.

I'd give them a call, the number is +44 191 203 7010. You can expect to wait on hold for up to an hour but when you eventually do get through the staff are friendly and helpful. If you call via Skype, a one hour call from PL to UK costs 6.60zl. And that's possibly the best 6.60zl you'll ever spend: it buys you the opportunity to pay in 31,325zl and then get 751,036zl paid out.

Don't be so poor in your old age that you can't even afford to whitewash your shack's well! See below for how sad that looks. Don't be like Jimmy Poorhouse, get a proper retirement income sorted out, then you'll have enough money to know what a cup of tea costs!

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Off-Topic / Stock Market Talk and Trading - part 2 [747]


Jimmy Poorhouse has the same problem with lottery tickets that he has with tracker fund units and shares: one needs actual money to buy them rather than fantasy dollars that Jimmy Poorhouse has. Well, he also has fantasy Swiss francs, and his fantasy Swiss francs are exchanged for fantasy US dollars at a rate of 1 fantasy US dollar to 1.18 fantasy Swiss francs. In reality it's CHF 1 = USD 1.18, but Jimmy Poorhouse has never been good with numbers.

Of course, as well as buying fantasy tracker fund units and fantasy shares, Jimmy Poorhouse also buys fantasy lottery tickets. They give him the pleasure of fantasising about winning ten million dollars, and then of spending his ten million fantasy dollars. And they give us the pleasure of laughing at the delusional f*ckwit! Hoot!

UK, Ireland / Getting a UK state pension in Poland [37]


You don't need a UK address in order to get confirmation of what your NI number is. Just send them a letter (give them your email address as well as your Polish postal address):

PT Operations North East England
HM Revenue and Customs
BX9 1AN
United Kingdom

The important thing is to get this done. It must be absolutely terrible to be old and poor. Just imagine being so old and poor that you can't even go out for a cup of tea at a cafe and so have no idea what a cup of tea costs. Got to really burn to not even be able to pay for your internet connection and to have to rely on charity from your church to pay your internet bill every month. Just look at Jimmy Poorhouse: he thinks that 30 cups of tea at a cafe cost less than a month's internet connection, because he's too poor to pay for either of those things! Don't be like Jimmy Poorhouse, claim your 751,036zl paid out for the 31,325zl you paid in!

UK, Ireland / Getting a UK state pension in Poland [37]


It would be worth using a mail forwarding service if necessary, although I think HMC are also fine with posting things outside the UK. Basically one needs to do whatever it takes to be able to access this superb deal. 751,036zl paid out for the 31,325zl you paid in is the kind of return that not even Jimmy Poorhouse would dream about getting!

Life / Owning a house in true countryside of Poland - stories [692]


No shortage of them in the parks of central Warsaw.

Feedback / I love this forum - It's so Polish: tolerant, inconsistent, amusing [337]


i heard that pf was a bit short of capital, but this is a touch extreme.

Off-Topic / Stock Market Talk and Trading - part 2 [747]


you appear to forget that jimmy poorhouse can't tell facts from fantasy. that's part of the reason why he comes out with claims that are very clearly lies. for example, who else could claim that somebody has enough money to spend 450zl a month on cups of tea but not have enough money to spend 100zl every three years on a mobile router? lol!

i say part of the reason because you also have to remember that he's financially illiterate and never has any money to spend, so he has no idea what things cost, as proved by him coming out with insane sh!t such as it being cheaper to spend 450zl a month on cups of tea in order to get free wifi than spending 29zl a month on 10gb a day of mobile data.

and, of course, you need to factor in jimmy poorhouse being thick as sh!t, which is why he can't even convert between two currencies or use percentages! lol! hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [747]

don't forget that jimmy poorhouse has so much fantasy wealth and so little brains that he claims to own several entire tracker funds and mutual funds. you and i buy units in such funds, but jimmy poorhouse has so much fantasy money that in his tiny mind he buys entire funds! he'd never heard of them until six weeks ago, and he still doesn't know the difference between a market index and a tracker fund, but he's already moved the majority of his fantasy wealth into etfs.


jimmy poorhouse proves once again that he is financially illiterate and entirely clueless about life in europe. 300gb of mobile data a month costs 29zl, a cup of tea in warsaw coffeeshop costs 15zl. but in jimmy poorhouse's world it makes more sense to spend 450zl a month on cups of tea to get free wifi instead of paying 29zl a month for mobile data. what a clueless f*cktard he is! lol! hoot!

UK, Ireland / Getting a UK state pension in Poland [37]


it's absolutely bananas! i keep thinking that the uk government will change it, but so far so good. i suppose they could massively increase the amount of the voluntary contributions needed to qualify, but that would mean more people in the future claiming benefits, so it's not a great idea from that perspective.


i'm thinking uk state pension plus zus pension plus pkk, ike and ikze plus an indexed annuity (bought by liquidating my shares and trackers) and i'll be ok. could always throw in an equity release as well. i'd absolutely hate to be poor when i'm told. must absolutely suck to be like jimmy poorhouse, stuck in a property that's falling down due to lack of maintenance and no money to do anything other than post fantasies online all day every day 365 days a year!

Off-Topic / Stock Market Talk and Trading - part 2 [747]

good old jimmy poorhouse, still claiming to have hundreds of thousands invested in something he'd never even heard of six weeks ago. remember when he came out with this classic?

the cretin doesn't even know the difference between a market index and an etf! lol! but he still expects people to believe that he's got vast investments in etfs. what a f*cking retard! hoot!
and we all know from his posts that he has sweet f*ck all invested in etfs: he was trying to boast about getting 1% growth on certain shares over five days when the etf he's since discovered got 3.3% in that same time! anybody who understands opportunity cost would know that 1% growth when one could have got 3.3% is a loss. any rational human would be upset with themselves for trying to play expert and so missing out on a return 300% of that which they could have got if they'd just left their money in the hands of experts. but not jimmy poorhouse, because he's not rational and has zero invested. he can't even afford a can of paint for his shack. just look at it! hoot!

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Off-Topic / Stock Market Talk and Trading - part 2 [747]

What a surprise that Jimmy Poorhouse is too financially illiterate and too clueless about everything connected to Poland to even be able to find out via Google what a Pracowniczy Program Oszczędnościowy is! And of course it's very hard for him to get his head round the concept that some people are valued by their employer and so paid extra money to stay with their employer.

But at least now he can bask in the warm glow of his fantasy investments in tracker funds. He really should thank me for telling him about those, as he'd clearly never heard of them before I took the p!ss out of him for trying to boast about getting a tiny fantasy return on a particular stock when he could have got a return 300% bigger simply by tracking the market. Maybe soon he'll even be able to tell the difference between a general stock tracker (such as VOO and VUG) and a "tech fund"! Then again, maybe not, he is, after all, thick as sh!t. Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [747]

Moving away from fantasy investing, who else here has a PPO? Mine is currently balanced like this, but I'm wondering whether to be a little bit more aggressive, given that it's essentially free money.

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