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Germany is a leader in Europe in terms of investments in ETF funds, with an increasing number of people using them, investing an average of 70 euros per month, resulting in a significant dominance of passive funds and a growing popularity of international indices such as MSCI World. #ETF #inwestowanie #Niemcy (translated)

The Stock Information published a summary of events for Friday, indicating that Poland and five other countries demanded a limitation of the ETS at the summit. The author also noted that Poland was expected to lose 2.1 million jobs by 2035, while the government planned to increase funds for widow's pensions. According to the summary, the number of pharmacies fell by 191 year-on-year, energy production increased by 7.23% in September, and coal energy generation also rose. It was also reported that maximum fuel prices were 6.95 PLN per liter of gasoline and 8.03 PLN per liter of diesel. Among the economic information, the author mentioned Lithuania's analysis of the extraordinary tax for Orlen, the ending negotiations of the Ministry of State Assets regarding the car factory, and plans by PGE and NASK concerning investments in data centers. He reported that the weighted average rate of return on OFE over three years was 128%. The summary also informed about the decline of the Qatari stock market to its lowest level in six years, a 10% drop in the Indonesian stock market, and plans to remove it from MSCI. The author also cited an assessment by the Financial Times stating that there is no connection between renewable energy sources and the decline in energy prices, as well as a forecast that India would become the fourth-largest economy in the world by 2027. He added that economic tensions between China and Europe were escalating. The Stock Information reported that major strikes were expected in France on October 17, and Paris was sending rockets to protect Saudi Aramco. According to the summary, Gulf countries were hiding the effects of Iranian attacks, while Saudi Arabia might sell US bonds to save its budget. The author also wrote that Iran expected a US strike before the elections, and the Houthis were easing the blockade on Saudi ships. He mentioned a fire at the Rosneft refinery in Ryazan and a Belgian court's decision expected by October 26 regarding the seizure of PAŻP accounts in a dispute with Pfizer concerning vaccines. The author cited a CNN report that Ukraine no longer had Patriot systems and noted that Prime Minister Donald Tusk met with Volodymyr Zelensky. He added that trains on new Polish lines were expected to reach speeds of 300 km/h and that Google announced a breakthrough in quantum computing. The summary also indicated that the average Canadian purchased his first home at the age of 41. Finally, the Stock Information noted Boss Day and humorously wrote that one can only lose to a boss through his point of view. #Polska #Świat #Gospodarka (translated)

The author wrote that the Houthis attacked the main headquarters of Saudi Aramco in Dhahran. He assessed that Saudi Arabia seemed helpless in the face of such attacks and attributed it to the poor quality and training of the local air defense. https://t.co/uCZTmpA7MW #SaudiArabia #Houthi #Bezpieczeństwo #SA #YE (translated)

Czuchnowski wrote that his wife, translator Magda Fitas, did not want to publicize the matter because she considered it to be covered by professional secrecy. According to him, Przydacz boasted about eliminating her from the discussions because she was Czuchnowski's wife. The author assessed that the incident testified to the vindictiveness of PiS and the low ethical standards of Przydacz. Czuchnowski emphasized that Fitas had the highest security clearance for classified information, even during the PiS government, and translated conversations at the level of the presidents of the USA and NATO. He added that previously PiS tried to force her to disclose the content of conversations in Smolensk, but she refused and won the case in court. He wrote that for her loyalty to professional secrecy, she paid a high price, but she would also manage with Przydacz and similar individuals. (translated)

The Australian exchange student wrote that the monthly additional burden amounts to 102 euros. If this amount were invested in the MSCI World for 45 years, it would hypothetically yield almost 400,000 euros, he calculated. At the same time, he accused the government of daily harsh actions against contributors. #Finanzen #Anlage #Rendite (translated)

Juho Salo criticized Finland's pension system and wrote that if the retirement age were to be raised, it could, in his opinion, be increased all at once to 100 years. He argued that in the system, a worker could pay pension contributions for 50 years, which would correspond to 25 percent of their salary, and receive a pension only at the age of 74. Salo pointed out that, according to him, pension accrual could not be collected. Salo called the system an economic catastrophe. He calculated the total amount of pension contributions and other shares to be 33.7 billion euros: 28.2 billion for occupational pensions, 0.7 billion for employees' shares, and 4.8 billion euros for state contributions. According to him, this amount could be used to pay a monthly basic income of 656 euros in addition to current social benefits and wages without tax increases. He compared the current system to a model where the retirement age would be 50 years and the pension would be 900–1,100 euros per month. Salo believed that money available earlier could be invested by individuals. He also criticized that those born before 1964 would receive the promised pension, while later generations would be left with the bill. Salo proposed that an investment of about 800 euros per month for 25 years would accumulate 240,000 euros without returns and over a million euros with investment returns. He related his comparison to the MSCI World index for the years 2001-2026 and said that wealth would remain for inheritance if 3-4 percent was withdrawn annually. According to him, such a system could make Finnish workers millionaires by the age of 50-60 and free up jobs sooner. Additionally, Salo criticized trade unions for not organizing strikes against pension contributions, development aid, and financing immigration, in his view. He compared the pension system to economic development aid and described it as an even worse solution. #eläke #perustulo #kansantalous (translated)

Jakub Białek described Kamil Wójcik's account of the dispute in PZPN, which — according to Wójcik — intensified after his unsuccessful attempt to take the position of head of referees. Wójcik reportedly claimed that matches were taken away from him without justification, that injuries were attributed to him, his messages were ignored, and he was threatened. Białek presented this account as a depiction of an organization that reacted poorly to dissent. According to Białek, Wójcik informed PZPN authorities that he felt he was being mobbed, but Cezary Kulesza advised him not to take action, as similar cases dragged on for years. When Wójcik announced he would notify the prosecutor’s office, after several days, screenshots of his conversation with Adrian Siemieniec were leaked. Białek noted that on the same day Wójcik filed a report, and the screenshots — at Kulesza's request — ended up in the disciplinary department. Białek acknowledged that Wójcik violated ethical rules and should be punished, just like Siemieniec. However, he pointed out the difference between the penalties: two years for Wójcik and a month and a half for Siemieniec. In the account of the conversation, he also mentioned allegations regarding cheating on refereeing exams, Kulesza's behavior, and words that, according to Wójcik, were said by referee Raczkowski. Białek assessed that the story could explain the lack of a competitor for Kulesza in the recent elections but also allowed the possibility that Wójcik’s account was untrue. #PZPN #mobbing #sport (translated)

The profession Investor wrote that he does not know about wines and does not speak about them as an expert on television, then compared a casino to investing in the stock market. He described the casino as a place where the outcome is determined by chance, and games have a negative sum — the more often one participates, the more one loses. As an example of investment, he mentioned about 2,500 of the largest companies from around the world included in the MSCI ACWI index. According to him, an ETF tracking the index costs about 0.2% per year, and the companies it includes build value and grow. He stated that over a longer period, one can observe an increase in their revenues and margins, which leads to regular growth in stock prices. The author stated that investors can earn when the companies they own increase their value, therefore he considered long-term investment in a broad stock market as a game with a positive sum. He suggested considering an exposure lasting at least 10 years, among other things through an ETF, especially during the next technological revolution. He emphasized that the stock market is not a casino, and buying stocks he called investing, not playing. The profession Investor also posted a chart of an ETF encompassing stocks from around the world, on which — he wrote — he also marked his monthly purchases. He asked whether its trajectory would resemble the financial state after regular visits to a casino. #inwestowanie #giełda #finanse (translated)

Żaden z żyjących członków założycieli Komitetu Obrony Robotników (KOR) nie został zaproszony na oficjalne, państwowe uroczystości 50-lecia KOR, które zorganizowano pod honorowym patronatem premiera Donalda Tuska na Zamku Królewskim w Warszawie. Mściwość i małość rządzących. #KOR #Polska #Historia

Powiem Wam, że mnie, uważnego obserwatora otoczenia, jednak bardzo zaskoczyło, że rzucono tysiące kont do obrony kobiety, która ze mściwości krzywdziła dzieci. Czynniki sprawcze, zamiast się zdystansować od niej, nakazały plucie na każdego, komu nie podoba się odbieranie dzieci z zemsty. #sprawiedliwość #ochronadzieci #prawakobiet

Monika Horna - Cieślak. Rzecznik Praw Dziecka. Doprowadziła do odebrania dzieci (3 i 4 lata) rodzicom, bo miała z ich matką prywatny konflikt. Jej zaangażowanie w sprawę było wręcz psychopatycznie zawzięte i mściwe. Sąd nie zostawił suchej nitki na jej poczynaniach i kazał natychmiast zwrócić dzieci. To jest wręcz niebywałe naruszenie praw rodzicielskich oraz dobrostanu dzieci. Dymisja natychmiast. I sprawa karna za przekroczenie uprawnień urzędniczych. ⬇️ #PrawaDziecka #Rodzicielstwo #Sprawiedliwość

To jest absolutny dramat. Wygląda że RPD zachowała się jak mściwa arystokratka, której się zdaje, że może gnębić poddanych, bo krzywo na nią spojrzeli. Dobrze, że inne instytucje zareagowały, ale krzywda i tak została dokonana. - Rzecznik Praw Dziecka Monika Horna-Cieślak była świadkiem ulicznego incydentu, podczas którego matka szarpnęła i krzyczała na swoje dziecko, które wbiegało na ulicę. A następnie obraziła samą rzecznik, która zwróciła jej uwagę. - RPD poinformowała policję i sąd przekonując o konieczności odebrania dzieci tym rodzicom. - Ani policja, ani kurator sądowy, ani sąd nie widzieli podstaw do natychmiastowego odebrania dzieci i umieszczenia ich w pieczy zastępczej. - Mimo to dzieci trafiły do placówki opiekuńczo-wychowawczej (domu dziecka) po decyzji policjantki podjętej podczas nadzwyczajnego spotkania z udziałem RPD i Komendanta Stołecznego Policji. - Sąd nakazał natychmiastowy powrót dzieci do rodziców. W uzasadnieniu wskazał, że działania wobec rodziny „mogą nosić wyraźne znamiona przemocy instytucjonalnej” i były „rażąco nieproporcjonalne do zaistniałego zdarzenia”. - Sąd miał zastrzeżenia do osobistego zaangażowania RPD, wskazując na możliwość wykorzystania autorytetu urzędu do forsowania tezy o konieczności odebrania dzieci. - Jednym z argumentów w sprawie były dwie butelki piwa znalezione w mieszkaniu, co sąd określił jako „całkowicie chybione i wręcz absurdalne”. Tak skandaliczna (i klikalna) afera będzie na pewno grzana przez wszystkie media i aktywistów politycznych niezależnie od sympatii partyjnych. https://t.co/Ilk5x0Qr0X #RPD #Dzieci #Prawo

O co tu poszło? To dość jasne. Cechą osób o miernym intelekcie, wywindowanych na stanowiska przekraczające ich zdolności radzenia sobie z sytuacją - jak to jest u pani @MHornaCieslak - jest mściwość wykorzystująca piastowany urząd. To jest dokładnie to samo, co obserwujemy często na poziomie policjanta, urzędnika, kontrolera ze skarbówki, tyle że tutaj jest znacznie gorzej, bo rzecznik praw dziecka to nie jest zwykły funkcjonariusz, jeden z wielu. Po prostu pani rzecznik, którą kobieta obrzuciła jakimiś niewybrednymi wyrazami, pomyślała sobie: "No, to ja ci teraz zrobię jesień średniowiecza!" i wykorzystała to, do czego ma uprawnienia: uderzyła w dzieci. Inaczej mówiąc - wykorzystała dzieci, narażając je na stres i szkody psychiczne, do własnej małostkowej zemsty. Na szczęście za sędziowskim stołem siedział tym razem ktoś bardzo, bardzo rozsądny, na kim "autorytet" pani rzecznik nie robił wrażenia. Może też ten sędzia pamiętał kuriozalną sprawę z lodami za świadectwo z paskiem w Pszczynie. Niestety, ta władza ma szczególną rękę do nominacji kobiet na ważne stanowiska: panie Nowacka, Dziemianowicz-Bąk, Horna-Cieślak, Kotula, Zielińska, Hennig-Kloska i inne - to jest naprawdę bardzo specyficzny zestaw. #polityka #władza #społeczeństwo

Rzecznik Praw Dziecka jest nie tylko mobberem znęcającym się nad pracownikami, ale również wykorzystuje swoje uprawnienia, by się mścić na rodzicach i bezprawnie odbierać im dzieci, bo Ci obrazili Rzeczniczkę na ulicy. W państwie @Obywatelska_KO nawet taka patologia nie dziwi #PrawaDziecka #Mobber #OchronaDzieci

🔴 Genialna RIPOSTA Grzegorza Brauna do mściwego prokuratora: "Wnioskuję o wydalenie pana prokuratora Młynarczyka z sali rozpraw! On prowadzi ze mną prywatną wojnę. Ma wobec mnie osobiste uprzedzenia i nie może być traktowany jako niezależny, obiektywny przedstawiciel wymiaru sprawiedliwości." @GrzegorzBraun_ #Sprawiedliwość #Prawo #Polska

boomers: especulación con pisos sesenteros zoomers: trading con empresas de memoria mujeres: aportaciones al msci world hombres: todos los ahorros a $Kirkiversary https://t.co/k0qY5wu54b #finanzas #inversión #generaciones