Off-Topic / Stock Market Talk and Trading - part 2 [746]

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 [746]

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 [746]

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 [746]

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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Off-Topic / Stock Market Talk and Trading - part 2 [746]


But we should be clear that Jimmy Poorhouse has never been convicted of fraud. As far as I know, he's never even been charged with it (let's not mention for now any convictions for domestic violence, petty theft, public drunkness or drunk driving or any allegations/confessions of rape). If you want to know about fraud, you need to speak to the four-time loser of fraud trials who posts here. The same poster that Jimmy Poorhouse has fantasies about doing to me what Jimmy Poorhouse used to do to his first wife every time she "talked back" at him. Of course the reality is that that poster is as likely to even say "Boo!" to me as Jimmy Poorhouse is to actually owns the millions in Tesla shares he claims to have.

BTW, can you please pick a number between 0 and 99? Closer to (but not over) 80 would better. I need to transfer my IKE cash for 2024 and will make the number of grosze whatever number you say, as proof that the transfer is as a result of this thread and so proves that Jimmy Poorhouse is, as always, lying when he claims that I have no investments.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


To be fair to Jimmy Poorhouse, he can't actually deny those facts, we can all see the tumbledown state of his shack and his 1990s car and his pick-up that last moved in the 1980s: they can clearly be seen in the public source images of his shack, just as we can see from bsaonline.com/?uid=717 that on 09/01/1977 ownership of that shack was transferred in exchange for USD 0.00 from his mommy to Jimmy Poorhouse.

That said, if you ask Jimmy Poorhouse to convert USD 0.00 to Swiss francs, he'll probably tell you with unshakable confidence that it's CHF 37,590.82. I mean, he insists that the name of Vanguard S&P 500 ETF is really VOO and he also insists that, despite the name telling us that it's an S&P 500 tracker, that it's a "tech fund", so it's pretty much certain that he also can't convert 0.00 in one currency to the right amount of another currency. Ironic really, that 0.00 is the amount of every currency that Jimmy Poorhouse has available to invest! Hoot!

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Off-Topic / Stock Market Talk and Trading - part 2 [746]


I don't think it's accurate to call Jimmy Poorhouse a fraud (but do ask PolAm to be sure, he's our resident expert on fraud). Fraud is attempting to deceive people, and Jimmy Poorhouse is far far too clueless to be able to deceive anybody about any financial matters. You have to be 18 to buy shares, but children learn about percentages and ratios at the age of nine. So even a nine-year-old child can see that Jimmy Poorhouse can't use ratios (e.g. to exchange from one currency to another) and can't use percentages (e.g. the difference between something going up by 300% and one growth rate being 300% of another) and so conclude that Jimmy Poorhouse is an utter f*ck-wit who has never had two pennies to rub together. Hoot!


You think that Jimmy Poorhouse has ever had any credibility on PF?! He's had less than zero of that for many years. Have you forgotten about him posting his fantasies about going to the developing world in order to "treat" pre-pubescent girls? That was the best part of a decade ago and he's only gone downhill since then. Although, to be fair, he's gone a long way downhill recently, for example when he tried to boast about drugging and raping teenagers.


You might as well tell Jimmy Poorhouse to stop breathing! This forum is his life. It's the only thing in the world that gives him any pleasure. That's why he's on here all day, and all night, seven days a week, 52 weeks a year. Well, apart from the weeks he spends in prison.

Off-Topic / Stock Market Talk and Trading - part 2 [746]

WOW! Jimmy Poorhouse actually told the truth about a financial topic! His shack is indeed bought and paid for. But not by him. Instead it was bought and paid for by his mother and transferred to him on 09/01/1977 for the amount of $0.00. Anyone who wants to confirm that information can do it by going to this site and putting in the address of Jimmy Poorhouse's shack: bsaonline.com/?uid=717

Could he be anymore pathetic? Still living in his mommy's shack in the woods where he was born! LOL! Hoot!

Off-Topic / Serbia etc. thread 3 [437]

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Off-Topic / Stock Market Talk and Trading - part 2 [746]


Please try not to confuse Jimmy Poorhouse: he's so financially illiterate that he refers to funds as stocks. He doesn't know what they are, doesn't know what they do, doesn't know what they invest in. Hell, Jimmy Poorhouse is so f*cking dumb he doesn't even know the name of funds he claims to have tens of thousands invested in: the name of the ETF that uses the tracker VOO is "Vanguard S&P 500 ETF" but Jimmy is so retarded that he claims it's a "tech fund". LOL! Hoot!

The best thing is that we can all see on the Internet that Jimmy Poorhouse only has fantasy dollars. Just one look at the condition of his shack, and vehicles he drives when he can afford gas, shows that he doesn't even have a spare 52 cents to invest, let alone USD 52,500 to put into a fund he doesn't even know the name of!

Off-Topic / Stock Market Talk and Trading - part 2 [746]


The most important thing in trading is recognising one's limits. There are very well-qualified and superbly trained analysts who do nothing all day apart from researching very narrow sectors of the market. Their research is then either sold or used by their employers for trading. As a bloke at home you just are not going to beat those researchers, you don't have the knowledge or the access to information, or the time, the expertise and the drive. You could buy access to their reports, but given the percentage advantage those reports give and the cost of them, you need to be managing tens of millions of dollars in order to cover the costs. Not even Jimmy Poorhouse claims to have tens of millions of dollars invested.

So, given one's limits, it's much better to simply track the market than to try to pick individual shares. Even Jimmy Poorhouse now recognises that, and claims to have "most" of his money in tracker funds. Of course he's too f*cking stupid to actually research the ETFs he claims to have tens of thousands in, so he told us all that an S&P 500 tracker fund is a "tech fund" and that a CRSP US Large Cap Growth Index tracker fund is a "tech fund"! LOL! He didn't even bother reading the name of one fund: VOO is actually called "Vanguard S&P 500 ETF" but Jimmy Poorhouse claims it's a "tech fund". Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Jimmy Poorhouse never knows when to stop. Even after it's crystal clear to everybody here that he hasn't got the first clue about finance (to give just one example: he's completely unable to understand how percentages work and so can't understand the difference between a stock going up by 300% and the growth rate of an index being 300% of the growth of a particular stock, as he'll no doubt make clear in at least one of his posts today), he still tries to claim he's a market guru. But now it's become clear to everybody that he doesn't have the first clue about ETFs and can't even tell a general stock tracker fund from a tech fund, he's moved on to claiming most of his money is in mutual funds.

In the same way, he's unable to stop digging even when it's crystal clear that his failed meat puppet wants nothing to do with his attempts to dig up things about me and go to my house to threaten me. Just another abject failure in the long line of Jimmy Poorhouse fails, but he can't let it go. Would be sad if laughing at him wasn't so much fun!

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Of course Jimmy Poorhouse doesn't own a hedge. For one thing those cost actual money, not the fantasy kind which is all Jimmy Poorhouse has. For another hedges need trimming, and Jimmy Poorhouse doesn't have money for even a pair of shears, let alone a hedge trimmer. And even if he did, trimming a hedge would cut into the time he needs to spend on fantasising about being rich. Or at least rich enough to be able to eat meat other than roadkill.

But he has got a big bush outside his shack. And I'm sure he'll tell you all about it. Maybe in exchange you can explain to him the relationship between one share going up by 1% of its value and an index going up by 3% and growth rate of one being 300% of the other. And then perhaps even show him how foreign currency exchange rates work, although he's such a thick sh!t that he'll have forgotten both of those things by tomorrow morning when his hangover arrives.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


I'm not sure if we really should be laughing quite so much at Jimmy Poorhouse and his financial illiteracy, given that it clearly upsets him so much - just look at the venom and hatred he flings at the screen with posts such as this one:

Actually, what the f*ck am I saying?! Jimmy Poorhouse is such a vile excuse for a human (see the above post for just today's example of that) that he deserves every bad thing that happens to him and much more.
And he's so financially illiterate that he can't even tell the difference between something going up by 300% and one growth rate being 300% that of another. What a f*cking retard! Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Jimmy Poorhouse does too own a hedge fund!!! Jimmy Poorhouse will tell you every day that he's got more hedge funds than you have and his daddy is bigger than yours!!! And his hedge funds not only beat the S&P 500, Jimmy Poorhouse will tell you that they all beat the S&P 5000 too.


To be fair, converting between two currencies isn't exactly rocket science, but Jimmy Poorhouse can't even do that. Remember when he told us that CHF 180 is equal to USD 155? Because he's too f*cking stupid to convert between two currencies.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


I must thank you, Barney, for starting this thread: it's probably the most amusing PF thread this decade. Unfortunately for Jimmy Poorhouse everybody is laughing at the Michigan Mystic rather than being in awe of his superb financial skills that enable him to get returns less than a third of the market offers.


Jimmy Poorhouse owns a Hedge Fund of every day of the week! One to go with each of his racing yachts and Learjets. And another one for when he's bored of his Learjets and so instead takes his private Concorde.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Jimmy Poorhouse accidentally admits that he's a clueless faker every time he posts here trying to boast! Remember when he was trying to boast about getting a 1% fantasy return on some stocks when the market had gone up by 300% of that much? What a f*cking retard! And then when it was pointed out to him that his fantasy winnings could have been 300% of what he was trying to boast about if he'd just tracked the market, he started claiming that most of his money is in tracker funds. But of course he was too clueless to actually research the ETFs he claims to have tens of thousands in, so he told us all that an S&P 500 tracker fund is a "tech fund" and that a CRSP US Large Cap Growth Index tracker fund is a "tech fund"! LOL! He didn't even bother reading the name of one fund: VOO is actually called "Vanguard S&P 500 ETF" but Jimmy Poorhouse claims it's a "tech fund". Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [746]


It's painfully obvious to all that Jimmy Poorhouse is utterly clueless about finance. Just look at the way he was trying to boast about one of 'his' tracker funds (VUG) beating what it doesn't track and under-performing what it does track! What a f*cking moron! He's so financially illiterate that he can't even convert between two currencies when you give him the exchange rate! LOL! Hoot!

Off-Topic / Stock Market Talk and Trading - part 2 [746]


For the one I looked at yesterday I'm paying 0.45% as a fund management fee, with 0% front-end load and 0% maintenance fee. That said, it's not an ETF, although ETFs don't have load fees either, that's part of the point of them.

All those amounts are publicly advertised and can easily be verified online. Jimmy Poorhouse can check for himself when he knows the name of the fund, which he'll be able to see from the transfer order I post once he donates $5 to the PF survival fund.

But Jimmy Poorhouse won't donate. He doesn't have the money to donate. I bet you a ticket to the Warsaw Beer Festival and two pints there against a used piece of chewing gum that he won't donate. Care to take that bet?

Off-Topic / Stock Market Talk and Trading - part 2 [746]


It's as much yours as anybody else's. Certainly more yours than the shares and ETF units Jimmy Poorhouse claims to have are actually Jimmy Poorhouse's: your posts in this thread exist in reality, but those shares and ETF units exist only in Jimmy Poorhouse's imagination. But at least those fantasy shares and ETF units regularly give us the entertainment value of laughing at Jimmy Poorhouse trying to boast about 'his' investments getting sub-market-level returns because he doesn't understand what tracker funds track (or that they have fees).

BTW, did you notice Jimmy being called out in red letters for promising a donation and then not making one?

polishforums.com/off-topic/random-chat-88584/18/#msg1990619

PS You sure about that bet? I'll up the odds: if I win I get a virtual half pint of beer, if you win you get three pints, a double vodka chaser and two packs of nicotine gum.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Milo: If Jimmy Poorhouse had even $5 to spare, he'd be jumping up and down to accept the offer of me posting my IKE transfer order in exchange for him donating $5 to PF. To prove the transfer is connected to this post, I'll ask you to pick the number of grosze at the end of the transfer (closer to a full zloty would be better than further). Choose that number and I'll make the transfer today. Laughing at how financially illiterate (and generally retarded) Jimmy Poorhouse is is fun, but sometimes we actually do have to make investments in our future. Maxing out one's IKE is a very sensible investment.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


In a way, smoking is really another form of gambling, just like day trading. And just like day trading, the odds are heavily stacked against the individual punter. It's a pity that you can't use fantasy lungs with which to smoke, in the same way that Jimmy Poorhouse has his fantasy money to 'invest'. You could think about how your fantasy lungs really enjoyed that cigarette, and you'd never get caught boasting about your fantasy cigarettes being better than the average ones - unfortunately Jimmy Poorhouse regularly gets caught boasting about his fantasy investments bringing below-market returns.

What a poor sod, even his fantasies are worse than the reality any of the rest of us can easily have!

Life / West-East life in Poland? [45]


You mean they hassle foreign firms over grosze while letting a Polish firm overcharge Poles by hundreds of times more? How unexpected!

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Barney, I can help with that: I'll throw two packs of nicotine gum into the pot of our possible bet about Jim refusing to donate $5 to the PF survival fund. It's a way for everybody to win! PF needs the survival fund, I have to make the 2024 transfer anyway, you get a few pints, everybody gets to see Jimmy being wrong about investments yet again. What do you say?

Off-Topic / Serbia etc. thread 3 [437]

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Off-Topic / Stock Market Talk and Trading - part 2 [746]


You *might* be one virtual pint further away from skint if you accepted my sporting wager. In fact, I'm so confident that Jimmy Poorhouse won't donate $5 to the PF survival fund in exchange for me posting a copy of the transfer order showing me sending my 2024 IKZE contribution that I'll give you odds of three to one.


Well, smoking is fairly well proven to lessen the amount of money needed to cover one's total living expenses as a pensioner.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Both IZKE and IKE are Polish schemes similar to ISAs in that they're a tax efficient ways of saving. IKZE contributions are fully tax-deductible (so the tax man gives you back 32% of what you put in each year) and the capital gains tax is only 10% if you hold the IZKE to maturity. IKE offers a capital gains tax rate of zero percent. Both are limited in terms of the amount one can put in.

Actually, it's lucky we're talking about this now, it's reminded me that I need to send my 2024 IKZE contribution. I know you don't gamble, but how about a sporting wager? I bet you a virtual pint that if I say I'll post a copy of the transfer order from me sending my 2024 IKZE contribution if Jimmy Poorhouse donates $5 to the PF survival fund, he won't take up the offer. Not because he doesn't want to get all the information about me that he can, but simply because he doesn't have $5 to help save the thing he loves the most.

Well, actually it's the only thing he loves at all.

Off-Topic / Stock Market Talk and Trading - part 2 [746]


Got anything in any of the IKEs or IKZEs?


It is absolutely superb! Live to 80 and you get back PLN 751,036 for the PLN 31,325 you paid in. That's the kind of return even Jimmy Poorhouse wouldn't boast about. Partly because he's too financially illiterate to know what PLN is and partly because he'd be sure people wouldn't believe him. But it's true: pay in £179 / PLN 895zl per year for 35 years and get back £221.20 / 1,111zl per week for life from your 67th birthday onwards.

Imagine how jealous Jimmy Poorhouse must be of that return, he could fix his roof, buy a car from this millennium and still have enough money left over to actually buy some shares (or at least give Marge some money to feed into the slots at the Odawa reservation casino, which would give a far better rate of return).

Off-Topic / Stock Market and Trading Talk [1011]


Barney, mind if I ask how you're saving for retirement? I'd be interested in getting your views on ethical investment for that.

Also, I think you may have worked for at least three years in the UK, so are you making UK voluntary class 2 NI contributions? If not, you really should be!