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


The thing about Novi is that it's entirely possible for racist homophobes to make a decent return on the stock market. All they need to do is buy units in exchange-traded funds and hold those units for at least five years.

But it's not possible for innumerate morons to make money as a day-trader. Look at jimmy rapist, hes so dumb he thinks that 21% of 1.6 million is 456,000. Fortunately for him, he hasn't got any money to lose. But working out what a fifth of 160 is, that's first-grade maths. But jimmy is too dumb to even do first-grade maths! Which is ironic, given how interested somebody is in watching kindergarten kids getting hot and sweaty. I assume he sent links to those videos to you too.

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


Yes, but the difference is that you aren't a complete and utter moron. We know this because when you lie, you don't make basic mistakes which show you're lying. For example you wouldn't claim to have shot somebody nine times with your Ruger Blackhawk and then reloaded so you could shoot them nine times more. You wouldn't do that because you know the Ruger Blackhawk only holds six rounds. But jimmy is so dumb he'd claim he shot somebody nine times with a double-barreled shotgun and then reloaded so he could shoot them nine times more.

In the same way, you wouldn't claim you made a profit of $50,000 from shares you held a thousand of and which cost $100 each went up by 20%. That's because you can see that 20% of $100,000 isn't $50,000. But jim is so dumb he claimed he made $456,000 when shares he held $1.6 million of went up by 21%, because he's too dumb to see that 21% of 1.6 million is not 456,000.

I'll leave it to a member of Jim's family to ask the question that's on everybody's lips:

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

LOL! What's jimmy rapist claiming now? Clearly he's forgotten boasting

Now he wants us to believe he still owns $2.5 million in Tesla shares. Even though he's so moronic he can't even work out how many shares he'd need to have held on 24 October in order to make $456,000 in profit and so claimed to have $1.6 million! What a f*cking moron!

How dumb does jimmy have to be that he can't even subtract 213.65 from 260.48 and then divide 456,000 by 46.83? Seriously, how dumb is that?

Off-Topic / Things We Love [332]


Be nice! You know that all the restaurants there require payment in real dollars, not the fantasy dollars that can be used to buy fantasy shares in Tesla worth more than $2.5 million.

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

polishforums[dot]com/off-topic/stock-market-talk-trading-part-88647/5/#msg1997964
As explained above, for jimmy rapist to have made $456,000 on 24 October he would have needed to own 9,737 Tesla shares, as the share price went up by $46.83 and $456,000 divided by $46.83 is approximately 9,737.
At the 24 October 2024 closing price 9,737 shares would be $260.48 x 9,737 = $2,536,929.76. So the rapist claims he had a $2.5 million position in Tesla. LOL!

To put that into perspective, $2.5 million is more than 35 times the official value of jimmy rapist's shack, i.e. $70,878, as can be checked by going to bsaonline[dot]com/SiteSearch/SiteSearchDetails?SearchFocus=Assessing&SearchCategory=Address&SearchText=[insert house number here]%20Valley&uid=717&PageIndex=1&ReferenceKey=11-13-35-200-001&ReferenceType=0&SortBy=&SearchOrigin=0&RecordKeyDisplayString=11-13-35-200-001&RecordKey=1%3D11-13-35-200-001&RecordKeyType=1%3D0&fbclid=IwAR3ip7LfcVt0CsI0Y2lEuuBXJPVcXforaxgu-LQ9oTmtNHUFRr4oNeInWgI

But jimmy is so stupid that he claims I don't have a business but he also recently posted what he claims is my NIP number, because he's too retarded to understand that NIP numbers are for commercial activity! LOL, what a f*cking moron! Constantly proving with his own words that he's a liar.

Anyway, I must dash, I need to file a whistleblower report with the IRS about a shack-dweller who claims he earned $456,000 in a single day but paid less tax on that than he should have paid. Can anybody recommend any shares to purchase with the reward that the IRS pays me?

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


Sorry cms, but got to correct you there. Jimmy rapist claims (messages #139, #145 and #150 here) that he made $456,000 profit on Tesla shares on 24 October.
On 23 October 2024, TSLA stock closed at $213.65. On 24 October TSLA stock closed at $260.48. So the difference was $46.83, i.e. $46.83 profit per share.
If we divide the rapist's claimed $456,000 profit by $46.83, we get the number of shares he'd have needed to hold: $456,000 (total profit) / $46.83 (profit per share) ≈ 9,737.35 shares. Let's call it 9,737.
At the 23 October 2024 closing price 9,737 shares would be $213.65 x 9,737 = $2,079,067.05.
At the 24 October 2024 closing price 9,737 shares would be $260.48 x 9,737 = $2,536,929.76.
All those shares but he lives in a shack worth $70,878 which was given to him by his mommy on 09/01/1977.

But jimmy's so thick that he can't even do maths as simple as the above, and he claimed his holding was

LOL, what moron!


Amazing how often the stock market mystics here don't consider tax, isn't it. The Michigan mystic claims he once held a $2.5 million position in Tesla that earned him $456,000 profit in one day, but the reality is that he doesn't even know what tax bracket such a person would be in.
By contrast, those of us who actually do invest know precisely how much tax we pay. And we also know how to reduce that amount, for example by making tax deductible contributions to IKZEs and by doing the first 27,000zl of post-IKZE investing in IKEs so as to avoid the Belka.

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


That's peanuts compared with jimmy rapist's $1.8 million bet Tesla (remember that?). Bit of a pity that jim then exposed himself as a liar by not knowing which is the right tax bracket for someone who earned $456,000 in a single day on a single stock.

I do hope the "sizable investment" he made this week was in a bag of nails and a roll of tarpaper, otherwise that leaky roof will drive the value of his shack even lower than the $70,878 it's currently at.

Off-Topic / Music Thread - part 2 [982]

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


The paywalled NY Times also noted how bad the week was. Although what else would happen when the Michigan Mystic starts claiming that

Although you know things are going to get bad when even the hardest core of TACOtards say the market is in trouble. Of course, as the graph below shows that the drop started the day before the rapist (not the on in the White House, the one in the Michigan shack) said it would.

The below is from nytimes[dot]com/2025/08/01/business/economy/trump-tariffs-stock-markets-trade-dollar.html but it's only for those who pay for their news (so not those who can't afford to fix their leaking roof).

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


I'm wondering if we're going to get a song about jimmy rapist's tax woes, after he tried to boast about earning "$456,000 USD" (clearly the rapist is so financially illiterate that he doesn't even know what the D in USD stands for) in a single day but then tried to boast about being in a tax bracket for those who earn no more than $243,725 a year.

Of course in reality jimmy won't be having any tax problems other than how to pay his property taxes, as he earns sweet FA.

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


Markets go up and markets go down. Luckily we at PF have a method other investors can only dream of when it comes to telling which way the markets will go: the opposite of what jimmy rapist says. For example,


So of course the NYSE went down yesterday. And it's now more than 500 dollars lower than its 52-week high! LOL

As everybody's favourite musical genius put it:

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

Wow, just look at the NYSE today. Only a complete moron could say it's booming today. But then only a complete moron thinks that 20,606 is a higher number than 20,959, and our resident complete idiot thinks that the NYSE is at an all time high now. And only for a complete idiot would it take hours to type "NYSE composite" into Google. For me it's a couple of seconds. And then a few minutes laughing at the Michigan Mystic, aka jimmy rapist! What a f*cking moron he is!

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


In part because he lies here every single day. But mostly because it really p!sses him off, and creatures as vile as jimmy rapist deserve to be p!ssed off as often as possible.


We'd very quickly lose track. There are so many lies from him. For example he says

And the reality is that the NYSE composite is down over the last five days, as shown here:

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Off-Topic / 75 Years of Israel and the War - part 3 [640]


And long overdue. While the actions of Israel under Bibi in response to October 7 have sometimes been disproportionate, there simply is not going to be peace when one side says that the only answer to the problems is war. Hamas says that "There is no solution to the Palestinian problem except by Jihad."

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

LOL! Yet again jimmy rapist is so stupid that he exposes himself as a liar!

That bracket is for income from $191,951 to $243,725. But jimmy told us in message #139 of this thread

LOL! So, what's happened? Which could it be?
a) Did jimmy have one lucky day with one stock and all the rest of his deals in 2024 lost him at least $212,275?
b) Is jimmy is cheating on his federal taxes?
c) Is jimmy too f*cking stupid to remember his own lies?

It can't be a), because jimmy is always boasting here about his brilliant trading.
It is very unlikely to be b), because jimmy lives in a shack that has an officially verified value of $70,878.
So my guess is it's c). But just to make sure, I'd better file a report with the IRS: irs[dot]gov/compliance/whistleblower-office#submit

And a huge thank you to the person who pointed this out to me!

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


Well, he's either a liar or he's just admitted to tax fraud. He claims to have at least two million invested in the stock market and to earn 20% a year on that and to be in the 32% tax bracket. But 20% of $2,000,000 is $400,000 and the upper limit for the 32% tax bracket is $243,725.

Clearly we need to make full use of irs[dot]gov/compliance/whistleblower-office

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


In Poland the top income tax bracket is 32%. One of the reasons I'm so interested in IKZE is that I hit that bracket in April. In that month some of my salary is taxed at 12% and the rest at 32%. From May onwards it's all at 32%. Below is a snip from my payslip for May. No doubt the Michigan Mystic will claim that 32% is higher than 32%.

On the subject of everybody's least favourite fantasist, I see he's claiming to earn at least $191,951 a year, but the information at bsaonline[dot]com/SiteSearch for his shack shows it has a value of $70,878. And the 2025 assessed value this year is $11,900 less than in 2024. That roof must be leaking more than we thought!

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

The Michigan Mystic is back! And he still hasn't learned how percentages work. Or even simple multiplication. We had

But we now also have

Will the Mystic ever learn that making a 20% return means one would double one's money in 3.6 years?

I'll let a musical genius sum things up

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


Why not use BOS? Then you can invest USD in the US market with no Belka on your winnings. Although you would need to convert the USD to PLN to withdraw it (unless government change that law, which they may well do, as it makes the IKE more attractive and does so with no cost to the taxpayer).


Over the last 12 months both are about 0.5pp below the indices they track.

Food / Poland-Tea or coffee land? [165]


If you want Early Grey with extra citrus, try Lady Grey tea (only from Twinings).

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


They are PLN and with currency risk hedged.

That said, it seems that BOS are now offering global access to ETFs via IKE accounts. The catch is that IKEs can only be loaded with PLN, and the global ETFs need to be bought in whatever currency their listed in. But the first three conversions with BOS are commission free, so if you can load your IKE with 9,000zl lumps, no commission for the FX.

News / How will Polish-American relations change if Trump is elected president again? [812]


Any deal which involves consumers paying higher tariffs is a bad deal for both sides.


I think the EU has played this nicely: VdL simply isn't authorised to make the vague pledges that she's made that the EU will buy stuff from the US, so the Member States can simply say "That's nice. But we aren't required to comply with that agreement."

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


Happy to help.

About ETFs, have you seen ETFBNDXPL and ETFBSPXPL? They track the Nasdaq and the S&P 500, respectively, but are listed on the WSE, so you can use IKE money to buy them. Unfortunately the TER for both is 0.8%, but at least they're commission free this year.

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


If you maxed it last year and put everything into a WIG tracker, you'd have got a 25% return (26% less management fee). The CGT is 19% here, and 19% of 25% of 25k is 1,187zl, which is worth filing in a form.

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


Just had another look at the Alior website: they're offering 0zl commission on all purchases of Polish ETFs for the whole of 2025. I reckon I'm filling my IKE for this year with that offer.

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


It's 3.8% if you do under 300,000zl. Although I bought 50 shares in PZU (mostly for the 20% discount on insurance) yesterday and paid 11.80zl on 3,107zl, which I make slightly less than 3.8%.

While I remember, do you trade from an IKE brokerage account?

Law / Polish Police and Their Tactics [237]


Did you read about that bloke in Gdansk who saw somebody abseil onto his balcony, clip his very expensive bike to their harness and then abseil off again? He ran onto the balcony and cut the rope.

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

cms have a read of this: fund-docs.vanguard[dot]com/ie00bfmxxd54_priipskid_en.pdf

Units available via Alior brokerage. "Management fees and other administrative or operating costs
0.07% of the value of your investment p.a. This is an estimate based on actual costs over the last year and takes account of any known future changes."

Study / A medical school called UPS in Poland? [7]


Sounds like you have a bit of local knowledge.

Study / A medical school called UPS in Poland? [7]


It wasn't called that then.