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4 Feb 2023
Off-Topic / Stock Market and Trading Talk [1011]
Where have I insulted you personally on this thread ?
See ya in April
Where have I insulted you personally on this thread ?
See ya in April
cms neuf
3 Feb 2023
Off-Topic / Stock Market and Trading Talk [1011]
I think the idea of your challenge was that you post ideas err....before you buy the stock. And they see how they perform
Which us what I did - chose 9 stocks. Basically I took the ones that had performed badly in 2021 and assumed they would revert to the mean.
You chose 3, which have underperformed mine. Despite your charts.
And now you are telling us about the all the nice cakes you baked in the meantime.
Your understanding of forex and brokers fees is a bit surreal. I buy US stocks in USD and I buy European stocks in EUR and Polish ones in zloty. Like many Poles i have accounts in foreign currency.
Brokers fees i told you are half a percent to buy, half a percent to sell. It's Citibank Handlowy - if you know someone on the Polish market who does that cheaper and is safe I will be happy to try them.
I know Daytrading is cheaper but it's also way less safe, and there is no way I am going to risk hard earned funds on gambling. It says in their own adverts that 83 percent of day traders lose money. If you are one of the 17 percent then I salute you.
Biggest issue if all is that I don't have time for the day training. I have a business to run and that makes more than I would get earning a few pennies on risky stocks here and there. Take The opportunity cost of your time into account and it for exceeds my one percent brokers fee is that I am paying.
I think the idea of your challenge was that you post ideas err....before you buy the stock. And they see how they perform
Which us what I did - chose 9 stocks. Basically I took the ones that had performed badly in 2021 and assumed they would revert to the mean.
You chose 3, which have underperformed mine. Despite your charts.
And now you are telling us about the all the nice cakes you baked in the meantime.
Your understanding of forex and brokers fees is a bit surreal. I buy US stocks in USD and I buy European stocks in EUR and Polish ones in zloty. Like many Poles i have accounts in foreign currency.
Brokers fees i told you are half a percent to buy, half a percent to sell. It's Citibank Handlowy - if you know someone on the Polish market who does that cheaper and is safe I will be happy to try them.
I know Daytrading is cheaper but it's also way less safe, and there is no way I am going to risk hard earned funds on gambling. It says in their own adverts that 83 percent of day traders lose money. If you are one of the 17 percent then I salute you.
Biggest issue if all is that I don't have time for the day training. I have a business to run and that makes more than I would get earning a few pennies on risky stocks here and there. Take The opportunity cost of your time into account and it for exceeds my one percent brokers fee is that I am paying.
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1 Feb 2023
Travel / Poland in photo riddles - part 2 [1680]
I can't see any there that I would be confident to eat !
I can't see any there that I would be confident to eat !
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30 Jan 2023
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29 Jan 2023
Law / Common practice when test driving a car from the sellers perspective [4]
Asking for ID is fine. Asking for a deposit would be a dealbreaker to most Poles
Asking for ID is fine. Asking for a deposit would be a dealbreaker to most Poles
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29 Jan 2023
Off-Topic / Stock Market and Trading Talk [1011]
My brokers fees - half a percent to buy, half a percent to sell. Polish tax 19 percent on any realized gains
I will let my stocks do the talking LOL - we can return to this in April
My brokers fees - half a percent to buy, half a percent to sell. Polish tax 19 percent on any realized gains
I will let my stocks do the talking LOL - we can return to this in April
cms neuf
29 Jan 2023
Off-Topic / Stock Market and Trading Talk [1011]
Hey - think it's time for a 6 month check on our tips
JR
Devon +4 percent. Not bad - matching inflation and generally moving up
Apple -10 percent. Coming back from some heavy losses but I am pessimistic about Iphone sales, product is overpriced.
Li Auto. -27 percent. Coming back a bit but this one is a disaster, the 59th of the 61 stocks I own.
CMS
Schlumberger. +53 percent. I am getting a reward for years of patience
Dexcom. +29 percent. Thank my broker for this one, i had never heard of it, but there is money in diabetes it seems
Siemens +29 percent. Russia's defeat has pushed this one up as I expected
Pekao +24 percent. The best of the Polish banks, but that's not saying much
SAP. +21 percent. This had been oversold, big installed base and good revenues
Linde +7 percent. Ok but down a bit recently and has scrapped it's German listing
General Dynamics. +1 percent. A real disappointment
Costco. -7 percent. Surprised at that but holding on to it.
JMD Biedronka -10 percent. Results are good but stock seems depressed like most Polish retailers.
6 months to go. JR's results are not disastrous but certainly not good.
Mine are Ok - 1 superstar, 4 comfortably beating the market, a few average and 2 in the red.
Hey - think it's time for a 6 month check on our tips
JR
Devon +4 percent. Not bad - matching inflation and generally moving up
Apple -10 percent. Coming back from some heavy losses but I am pessimistic about Iphone sales, product is overpriced.
Li Auto. -27 percent. Coming back a bit but this one is a disaster, the 59th of the 61 stocks I own.
CMS
Schlumberger. +53 percent. I am getting a reward for years of patience
Dexcom. +29 percent. Thank my broker for this one, i had never heard of it, but there is money in diabetes it seems
Siemens +29 percent. Russia's defeat has pushed this one up as I expected
Pekao +24 percent. The best of the Polish banks, but that's not saying much
SAP. +21 percent. This had been oversold, big installed base and good revenues
Linde +7 percent. Ok but down a bit recently and has scrapped it's German listing
General Dynamics. +1 percent. A real disappointment
Costco. -7 percent. Surprised at that but holding on to it.
JMD Biedronka -10 percent. Results are good but stock seems depressed like most Polish retailers.
6 months to go. JR's results are not disastrous but certainly not good.
Mine are Ok - 1 superstar, 4 comfortably beating the market, a few average and 2 in the red.
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28 Jan 2023
News / THE ARMY OF POLAND - THE REALITY [493]
Russia is not a stronger neighbor. They are drunk and noisy neighbors but with a pathetic army
Russia is not a stronger neighbor. They are drunk and noisy neighbors but with a pathetic army
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27 Jan 2023
USA, Canada / I want to make a bank transaction to a Canadian bank [3]
Other things I have been asked for are the IBAN and the BIC number
The iban is usually the swift and the bank code joined together but I don't know if that is the case in Canada
Other things I have been asked for are the IBAN and the BIC number
The iban is usually the swift and the bank code joined together but I don't know if that is the case in Canada
cms neuf
25 Jan 2023
Real Estate / Is my water bill too high? [11]
If he can't give you a bill for oct - December then just tell him you will ignore the whole bill
It's just as logical that you pay zero as paying all of it
He is not going to kick you out over a few hundred zloty and the law is on your side
If he can't give you a bill for oct - December then just tell him you will ignore the whole bill
It's just as logical that you pay zero as paying all of it
He is not going to kick you out over a few hundred zloty and the law is on your side
cms neuf
25 Jan 2023
Real Estate / Is my water bill too high? [11]
Obviously whatever happened before October is nothing to do with you.
Cost per sqm is about 1.50 a month so in a big flat then yes it could be 150 a month.
But if he told you it's without bills and you have a contact there is not much he can do
Obviously whatever happened before October is nothing to do with you.
Cost per sqm is about 1.50 a month so in a big flat then yes it could be 150 a month.
But if he told you it's without bills and you have a contact there is not much he can do
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23 Jan 2023
Real Estate / Cost of real estate in Przemysl [3]
Method 1. Check on Otodom the price of comparable apartments and knock off 15 percent. Then divide by number of sqm
Method 2. Find out the typical month rent in Przemysl for that type of apartment. Take 85 percent of that, multiply by 12, then divide by 0.06. Then divide by number of sqm
Method 1. Check on Otodom the price of comparable apartments and knock off 15 percent. Then divide by number of sqm
Method 2. Find out the typical month rent in Przemysl for that type of apartment. Take 85 percent of that, multiply by 12, then divide by 0.06. Then divide by number of sqm
cms neuf
17 Jan 2023
Law / Testaments (Wills) in Poland - leave people specific things or only percentages/fractions? [6]
No - the siblings and their kids only have rights if you die without making a will
I think your own kids have rights if you make a will but disinherit them
But there are two simple solutions
- marry your girlfriend and then you can name her as the heir
- if you are citizen if another EU country, you can nominate your will to be under those laws.
No - the siblings and their kids only have rights if you die without making a will
I think your own kids have rights if you make a will but disinherit them
But there are two simple solutions
- marry your girlfriend and then you can name her as the heir
- if you are citizen if another EU country, you can nominate your will to be under those laws.
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14 Jan 2023
Law / The right to own guns: would you support such legislation in Poland? [2237]
Last year I flew maybe 50 times. I didn't take a parachute once.
I said option 1 - run, option 2 fist fight. But escalating a situation with a gun might mean a worse injury or innocent people getting hurt - in fact there have been several such incidents in the UK where gun crime is getting worse.
Last year I flew maybe 50 times. I didn't take a parachute once.
I said option 1 - run, option 2 fist fight. But escalating a situation with a gun might mean a worse injury or innocent people getting hurt - in fact there have been several such incidents in the UK where gun crime is getting worse.
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14 Jan 2023
Law / The right to own guns: would you support such legislation in Poland? [2237]
What are the chances of a knife wielding junkie spending 6 zloty on tram fare to come to my quiet suburban street ?
If he did and he was "high" then I would run away. Or if it came to a confrontation then I would feel more confident with fists and kicks than I would firing a gun
And besides I wouldn't be walking around town with a loaded gun on me - you can't even do that in lots of US cities
There are occasional drunks and junkies in the city center but there are also police, Straz and other passers by. A knife wielded would be quickly arrested
What are the chances of a knife wielding junkie spending 6 zloty on tram fare to come to my quiet suburban street ?
If he did and he was "high" then I would run away. Or if it came to a confrontation then I would feel more confident with fists and kicks than I would firing a gun
And besides I wouldn't be walking around town with a loaded gun on me - you can't even do that in lots of US cities
There are occasional drunks and junkies in the city center but there are also police, Straz and other passers by. A knife wielded would be quickly arrested
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13 Jan 2023
Law / The right to own guns: would you support such legislation in Poland? [2237]
So when you have the "home invasion", you first need to go to the safe, in the dark and unlock it?
So when you have the "home invasion", you first need to go to the safe, in the dark and unlock it?
cms neuf
9 Jan 2023
Law / Debt in Poland - inheritance after relative death? [14]
You are a Polish citizen ?
Law has changed recently and you are only liable up to the value of the inherited assets
Not sure about if the rules changed about how to renounce but you used to be able to do that at the Polish consulate - if you speak Polish then call and ask
You are a Polish citizen ?
Law has changed recently and you are only liable up to the value of the inherited assets
Not sure about if the rules changed about how to renounce but you used to be able to do that at the Polish consulate - if you speak Polish then call and ask
cms neuf
5 Jan 2023
Life / Do Polish women dislike Asian women? [14]
They do that to other Polish women too :) don't worry about it - they can be competitive, and very protective once they have a boyfriend
They do that to other Polish women too :) don't worry about it - they can be competitive, and very protective once they have a boyfriend
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4 Jan 2023
Food / Where to buy napisco Oreo Biscuits in Warsaw [15]
Yes we have them - plus all the ice creams, limited editions, milkshakes etc :)
Yes we have them - plus all the ice creams, limited editions, milkshakes etc :)
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4 Jan 2023
Law / How do I verify a Polish company's existence? [249]
These are the details. He is indeed listed as owner
aleo.com/pl/firma/people2connect-spolka-z-ograniczona-odpowiedzialnoscia-poznan
Be careful wiring your money
These are the details. He is indeed listed as owner
aleo.com/pl/firma/people2connect-spolka-z-ograniczona-odpowiedzialnoscia-poznan
Be careful wiring your money
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22 Dec 2022
Life / Poland's feelings on glorified vaccinations [81]
I have had them twice in the last 20 years. Don't know if they worked.
I have had them twice in the last 20 years. Don't know if they worked.
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21 Dec 2022
Love / I'm an Asian girl. Polish boyfriend has never kissed me, but I'm in love to him. [13]
I agree :) grab his hand, hold it while you walk and tell him that feels nice
He will get the message
I agree :) grab his hand, hold it while you walk and tell him that feels nice
He will get the message
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20 Dec 2022
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15 Dec 2022
Law / Old Polish money banknotes - what's their value today? [415]
Could be genuine but I think they stopped making those in 1941.
The value is very low - less than 5 dollars on Polish auction sites
Could be genuine but I think they stopped making those in 1941.
The value is very low - less than 5 dollars on Polish auction sites
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14 Dec 2022
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30 Nov 2022
Life / Could not pay loan for 10 month [3]
90k what ? Zloty or Euro ? Is it a Polish bank ? What is the collateral on the debt - a car ? A house ?
If you are in Poland, The basic position is you legally have to pay the whole debt. So a lawyer etc will just be a waste of cash. Best is to arrange a realistic repayment schedule with the bank.
90k what ? Zloty or Euro ? Is it a Polish bank ? What is the collateral on the debt - a car ? A house ?
If you are in Poland, The basic position is you legally have to pay the whole debt. So a lawyer etc will just be a waste of cash. Best is to arrange a realistic repayment schedule with the bank.
cms neuf
29 Nov 2022
Work / Moving to Poland, Working for a UK Company [34]
Are you an EU citizen ?
If not then you probably will need a work permit
There will be some tax issues and some set up admin but they can be ironed out
Are you an EU citizen ?
If not then you probably will need a work permit
There will be some tax issues and some set up admin but they can be ironed out
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27 Nov 2022
News / What should Poland do with the problem of Belarus? [1800]
Oh wow, once again a remarkable piece of bad luck - the foreign minister of Belarus died suddenly the day before he is due to meet old liver face Lavrov
Oh wow, once again a remarkable piece of bad luck - the foreign minister of Belarus died suddenly the day before he is due to meet old liver face Lavrov
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26 Nov 2022
Work / Moving to Poland, Working for a UK Company [34]
No - you are in Poland about 50 days a year and it's clear your center of life is in the UK. Don't worry about it.
No - you are in Poland about 50 days a year and it's clear your center of life is in the UK. Don't worry about it.
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24 Nov 2022
News / The Baltics states rely on Poland as their main defender against Russian aggression?? [213]
They can drink their oil. The price should be zero
I think it's only Hungary that has done nothing to diversify their supply - they can go to hell and sort themselves out
They can drink their oil. The price should be zero
I think it's only Hungary that has done nothing to diversify their supply - they can go to hell and sort themselves out