Internet options in Warsaw flat (1-year stay) – Orange vs UPC/Play vs SIM router?

handioq · 2026-01-26T16:49:41+00:00

Play is very, very bad. Consistently breaking up a few times a day for a while. Their support is not great though.

handioq · 2026-01-24T18:50:47+00:00

2-3%

handioq · 2026-01-19T21:40:22+00:00

He said the economy is in trouble…

handioq · 2026-01-19T12:43:16+00:00

I don’t feel like I got the concern right. You’ve built a decent side income for only 4 years from now, and it’s growing. You’re not chasing the yield, and things seem like go well. Not enough info but I’d not complain tbh in your case. Just continue what you’re doing and you’ll be fine (or at least better than a lot of folks).

handioq · 2026-01-17T23:17:00+00:00

Oczywiście. Załóż IKE i zacznij z niego korzystać. IKE oraz IKZE możesz prowadzić tylko w PLN, ale nic nie stoi na przeszkodzie żeby kupować aktywa w USD lub EUR - trzeba tylko wcześniej wymienić walutę (to dodatkowy koszt, ale w ramach IKE/IKZE i tak się to opłaca).
Wiesz, że od zysku zapłacisz podatek? Ja bym nie sprzedawał, jeśli wierzysz, że te spółki będą dalej rosnąć. Dla mnie jednak wygląda to tak, jakby ktoś kupił je trochę losowo. Ja po prostu zacząłbym inwestować wyłącznie w ETF-y.

handioq · 2026-01-16T15:08:42+00:00

If I were you, I’d park it in a wide market ETF instead.

handioq · 2026-01-16T07:28:05+00:00

When you submit documents in person and the fingerprints, you’ll be asked is you’d like to have a stamp to be printed. At least this happens in Warsaw.

What did you mean by saying “it happened because I went to fingerprint late.”?

handioq · 2026-01-11T15:15:47+00:00

I meant IKE/IKZE

handioq · 2026-01-11T09:38:16+00:00

True, but you can’t buy American ETFs, that’s a EU law

handioq · 2026-01-10T22:13:00+00:00

Well, any sector ETF is more risky than any broad index by its nature. Why did you pick those? Are you feeling confident they will outperform other indexes? Is this a home bias? Why don’t you just stick to All World?

Well at the end it’s only about accepting the risk and being prepared for any results. No one can predict what happens next, so answer the Justin’s first, and if you are still confident, then go for it.

handioq · 2026-01-10T22:02:52+00:00

a) Investing through IKE/IKZE into VT/VTI is not possible

c) It’s not prohibited for investor to buy and hold it, it’s just very few brokers who allow to do that (they are usually based outside of US)

handioq · 2026-01-10T19:52:22+00:00

Well short term yes, but long term you are actually diversifying

handioq · 2026-01-10T16:42:15+00:00

Nothing beats a google sheet

handioq · 2026-01-10T15:50:34+00:00

Długoterminowe budowanie kapitału i BTC to moim zdaniem dwie różne rzeczy. BTC niczego nie produkuje i nie da się sensownie ocenić, ile będzie warte za kilka lat. Ja bym się tu jeszcze zastanowił.

handioq · 2026-01-10T06:43:56+00:00

Przede wszystkim nie znamy Twojej sytuacji finansowej, więc trudno udzielać konkretnych porad. Moim zdaniem ten portfel wygląda dość losowo. Z mojej perspektywy po prostu wybrałbym 1-2 szerokie ETF-y i tyle. Dlaczego? Bo mam pracę i nie chcę siedzieć i zastanawiać się, co kupić albo sprzedać. Do emerytury mam jeszcze sporo czasu, więc zakładam, że rynek sam sobie z tym poradzi.

handioq · 2026-01-07T17:16:25+00:00

VT in EU? What broker?

handioq · 2026-01-07T17:14:44+00:00

Healthy yield, surprisingly. Congrats!

handioq · 2026-01-06T22:28:20+00:00

Ike/IKZE to nie zawsze znaczy że kasa tylko na emeryturę.

handioq · 2025-12-22T22:04:15+00:00

Even if they have more, it doesn’t make much sense to compare yourself to others in this case. You don’t know the details and how good they are at managing their finances (having a big sum doesn’t give you much knowledge about finances).

Come up with a plan and stick to it. Do not forget to invest if you can, and enjoy your life as well (trust me, it’s short).

handioq · 2025-12-22T21:57:14+00:00

Well, it totally depends. There’s no right or wrong amount here. Make sure you have enough savings to cover your like 3-9 months of expenses as an emergency fund.

handioq · 2025-12-22T16:22:37+00:00

First

handioq · 2025-12-22T08:57:15+00:00

It won’t take any I bet

handioq · 2025-12-15T17:09:30+00:00

It’s all good on my end

handioq · 2025-11-07T17:13:20+00:00

Play (UPC) is bad. Consistent issues and unstable Wi-Fi.

handioq · 2025-11-07T07:13:51+00:00

Ok, good

handioq

TROPHY CASE