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 [732]


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 [674]


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 [674]


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 [732]


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 [732]


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 [1012]


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 [732]


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 [732]


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 [732]


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 [732]


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 [1012]


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 [732]


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 [732]


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 [732]


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 [732]


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 [732]


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 [732]


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 [732]


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 [732]


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

News / Germany eyes Poland's economic miracle [44]


Exactly. If you look at average wealth, Elon Musk, Novi and Jimmy Rapist are billionaires.

Off-Topic / Stock Market Talk and Trading - part 2 [732]


Yes, there are millions of Americans who wish that they also had a state pension (but instead their great-grandparents fought to stop slaves from being freed). One of them posts here about his fantastic fantasy wealth while the reality is we can see the taxable value of his shack going down every year due to him not being able to afford repairs and his long-suffering wife has to mind other people's children despite a registered sex offender also living at that address. Would be sad if he wasn't so vile.


And just like that TCBX drops 1.3%. How does the Michigan Mystic do it?

Off-Topic / Stock Market Talk and Trading - part 2 [732]


All pension systems and schemes are investments. The idea is to put aside money now so one isn't left in one's old age stuck in a shack with a leaky roof and an internet connection paid for by the church. Ask Jimmy how much that sucks.


I'm putting into the UK state system exactly what the UK government asks me to. If that means I get more out than I put in, that's due to them not asking for too much.
But don't forget that the Polish state system gets from my work exactly what the Polish government wants. I very much doubt I'll get back even close to what was put in there. Last year alone it was PLN 64,294. But I'll be very surprised if I get even three grand a month from ZUS when I retire, which is why I'm also maxing out IKZE each year, not touching my PPO (although I probably should get that money into a better fund) and also leaving everything that goes into my PPK in there.

While I remember, you are taking part in the PPK, aren't you? I love it: after five and half years in the scheme I have 235% of what I paid in! And as the money is taken out of your salary before it's transferred to you, you don't miss the money.

Off-Topic / Stock Market Talk and Trading - part 2 [732]


The problem is that you're using real numbers and Jimmy Rapist only uses fantasy numbers. But at least when he's fantasizing about having enough money to fix the roof of his shack he isn't fantasizing about drugging teenagers again.


Looks like I went too heavy on CH and not enough on PL.

BTW, what do you think is happening with the GBP PLN exchange rate? I think I might buy enough pounds for a couple of years of NI pension contributions. You are also making full use of the class 2 voluntary contributions, aren't you?

Off-Topic / Stock Market Talk and Trading - part 2 [732]


How surprising that Jimmy Rapist is back to lying. His picks (in polishforums. com/off-topic/stock-market-talk-trading-part-88647/16/#msg2031841) were
AMZN - 216
TSM - 207
AMSC - 33
IDCC - 227
BROS -73
HOOD - 73

Now those are
AMZN - 223, up 3.2%
TSM - 234, up 13.0%
AMSC - 39, up 18.2%, but Jimmy sold his fantasy stocks in AMSC!
IDCC - 224, down 2.3%
BROS - 67, down 8.2%
HOOD - 94, up 28.8%, but Jimmy's too thick to work out percentages, so we'll give him the 24.3% he claims!


Of course it was 6,197 when I picked it. And today it's 6,425, up 3.4%, so a better return than all but one of the stocks that Jimmy picked, hasn't claimed he sold and can correctly work out the growth of.


Oh but we can. We have your six picks and will be comparing them every month to everybody else's.

Off-Topic / Stock Market Talk and Trading - part 2 [732]


That's very generous of you! In the unlikely event I win, please donate to Warsaw Seva (I'm sure you know Tony from his Tandoor Palace days).


And today:
AMZN - 213, down 1.5%
TSM - 214, up 3%
AMSC - 29, down 13%
IDCC - 221, down 3%
BROS -71, down 3%
HOOD - 74, up 1%

How does the Michigan Mystic do it?!

Off-Topic / Stock Market Talk and Trading - part 2 [732]


Fair enough. I don't pretend to know enough about FX drivers to assess based on them anyway (although the US dollar might be in for a hard time over the next year and a half).


That does seem high for a passive tracker. Have you checked what mBank can offer? I know it's possible in theory to put IKE and IKZE funds into ETFs. If I have time (and remember), I'll check how one does that. I usually like to get my contributions in nice and early in the year, so will have a while until the 2026 contributions can go in.