u/Durysik

Cześć wszystkim!

Zaczynam inwestować, i mam wyklarowany plan zagospodarowania mojego kapitału, jednak mam problemy ze zrozumieniem kilku spraw - nie chce popełnić tzw. Rookie mistakes, więc wolę spytać mądrzejszych o pomoc w zrozumieniu.

Chcę ulokować 30% gotówki jako poduszka na kontach oszczędnościowych. Z tym zero problemu.

Potem, chcę ulokować kolejne 30% w obligacjach, a 40% w ETFach. Tu zaczynają się moje problemy.

Mam IKE w XTB. Rozumiem że muszę przewalutować moje pieniądze w PLNach na USD kupując ETFy, aby uniknąć kosztów przewalutowania w XTB. Mimo to, chce zawrzeć te ETFy w IKE, a rozumiem że IKE jest w PLN. Stąd nie rozumiem jak mam się pozbyć kosztów przewalutowania w XTB skoro finalnie i tak z USD zostaną one przewalutowane na PLN na moje IKE.

Mam wrażenie że się trochę gubię odnośnie przewalutowania, więc za wszelkie podpowiedzi dziękuję!

What's the maximum dosage of tirz available in your country?

I'm in the central EU, and the max dose in a pen is 15mg.

I take 15 and my weight loss is slow, if present at all.

Hi Folks!

Looking for guidance, as I am quite lost.

I've been on a weight loss journey since the pandemic. My highest weight has been around 80kg (my height is a bit above 160cm/5'3'') - I have lost 10kg on my own, with regular cardio and macro counting. After this weight loss, I have reached a plateau, which lasted for a VERY long time, and nothing seemed to move it. My weight fluctuated between 69-72 kilos.

A long time has passed, and during this time, I've seen three dieticians (was with each one always more than one year, and followed their advice/meal plans religiously) - my weight still fluctuated, and each one of them was surprised why I was not loosing. In 2024 I decided to visit my Endo and ask for semaglutide.

I hopped on, and used it for a year - but the results weren't spectacular. I have immediately (in the first two - three months) dropped 2-3 kg, reaching my lowest weight of 66-67 kilos. After this, again, a plateau.

After a year of use, I switched to tirezepatide. My weight hasn't changed, but I did notice a change in my body comp, had a bit more muscle, and a bit less fat, nothing drastic tho.

Tirz is very pricey unfortunately, so after a year of usage, I recently switched back to sema.

In a span of JUST 3 WEEKS I have gained 2.5 kilos. During this whole time I was counting my macros religiously, and was eating very low (1700, 120P/170C/61F).

I thought, well that's just water, but it's stayed this way for a month now.

Has anyone had similar experiences with GLP1? Sudden drop, then a constant plateau, and then an instant regain on med cessation/change?

I am happy to provide more details about my training regiment, eating habits and weight in general.