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Posts by delphiandomine  

Joined: 25 Nov 2008 / Male ♂
Warnings: 2 - TQ
Last Post: 17 Feb 2021
Threads: Total: 88 / In This Archive: 2
Posts: Total: 18,131 / In This Archive: 755
From: Poznań, Poland
Speaks Polish?: Yeah.
Interests: law, business

Displayed posts: 757 / page 8 of 26
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delphiandomine   
3 Oct 2009
Travel / from Berlin to Koszalin [4]

The best way is going to be difficult regardless of how you do it. Which Berlin airport?

I would suggest the quickest way would be via Berlin Hauptbahnhof-Angermunde-Szczecin-Koszalin, but this is going to take well over 6 hours for train.

I've no idea about buses, but there are usually direct buses from the Berlin airports to Szczecin, from where you can get a train - but as I say, you'll be about 3:30-4:30 from Szczecin to Koszalin by train.
delphiandomine   
3 Oct 2009
Food / What is this? Dark whisky Scottish or Polish? [58]

I was born not far from the distillery

You're a Keith loon?!

Next you'll be telling me how you make a pilgrimage to THE GREAT Keith Show every year :P
delphiandomine   
2 Oct 2009
Real Estate / How to get out of a Preliminary Purchase Contract? [8]

Common situation, and I'm afraid many people are unlikely to have sympathy with you as presumably, had the housing market been strong, you would've happily sold or rented it for a profit to Polish people that could hardly afford it.

I've heard that there can be loopholes in the contracts, but you'll need to engage a Polish lawyer with property market experience - and even then, there are tales of people being locked into contracts in developments that are still months away from completion.

You certainly won't get any of the money back - in the very best case scenario, you'll lose the deposit and any additional money paid thus far. If you can't afford 14,000zl, then you're unlikely to have the money to engage a lawyer who can get you out of the contract.
delphiandomine   
2 Oct 2009
Life / Public Swimming Pools in Poznan [12]

Does anyone have info on the swimming pools? Do any offer water aerobics, excercise, or water therapy classes?

AWF does quite a few, and they come highly recommended :)

The public ones in poznan are disgusting.

The one in Rataje is dreadful, but that Atlantis one looks bloody good....
delphiandomine   
2 Oct 2009
UK, Ireland / Sad life of a Polish immigrant in the UK. Ch. 2 - Stress [63]

Really, can you tell my team that because last time I looked most are in for 08:00 and dont leave until circa. 19:00, yeah sure we take it really easy!

The UK still sadly hasn't learnt that long hours doesn't mean productivity - and this is one reason I don't want to go back. There's something very wrong with the macho attitude that "oh, I worked 13 hours yesterday, you only did 12, you're not dedicated enough".
delphiandomine   
1 Oct 2009
Life / Authenticate Drivers licence [6]

It should be there, under section 4d of the photocard. If they don't have the photocard, then (as far as I know) the licence is illegal - as they should've all been exchanged for the photocard. There's no paper counterpart in the UK.

Also, if there's no PESEL on the card and they claim to be Polish citizens, then the card is likely a forgery as every Polish citizen has one.
delphiandomine   
1 Oct 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

I am not a chav, and I am not a high flyer, but I am educated

If you were educated, you'd know that these EVIL POLISH PEOPLE can't actually claim benefits until they receive the registration certificate for EU citizens. This requires 12 months work history in the UK, along with a hell of a wait (it was up to 18 months last summer!) for it to be processed.

Likewise, these EVIL ILLEGAL IMMIGRANTS can't actually claim benefits because..you know, they're actually illegal and don't want people to know that they're in the UK.

Sort your own house out before you start blaming others. Why don't you insist that people claiming JSA have to work full weeks, for instance? Or even better - why do you tolerate children with ADHD (which is subjective as hell!) being given disability benefits? Or even better still, why do you tolerate paying for more than 1 room studio flats for families where the parents refuse to work? Heck, you pay child benefit to non-UK citizens without even checking up on the child - wouldn't it make sense to link Child Benefit payments to school attendance?
delphiandomine   
30 Sep 2009
Study / Dormitories for students in Poznan [5]

So I'm looking for dormitories of other universities, which accept students from other universities...

Which university are you with?
delphiandomine   
30 Sep 2009
Study / Schools to learn Polish in Warsaw [29]

I'd agree with you re. Skype. The most pressing issue for me as regards readysteadypolish is who are their teachers and what qualifications do they have.

More importantly, they don't appear to actually have any physical premises. I'd be very hesitant to hand over any money to such an operation upfront, particularly if they want 1125PLN for 15 hours of face to face teaching at a location that isn't theirs.

I've had a look on their site and they're offering group lessons from January - 30 hours for 750zl. That's 25zl an hour - why would you bother, when you could get a decently trained Polish teacher for 40zl an hour maximum for private lessons? More to the point, for someone just starting out, you can easily get a student of English philology to teach you basic Polish for 20-30zl an hour.

There's also this -

readysteadypolish.eu/teachers.html

We select teachers with:

Excellent communication skills in English and Polish

1st class customer service awareness

Enthusiasm

What about qualifications?

To be honest, my opinion is that it looks like they've set up a language school to gouge gullible expats willing to pay for something on expenses. But anyone can do what they're doing - it certainly doesn't look like anything special.
delphiandomine   
30 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

I dont recall anyone saying anything about the above, I was talking about people not worrying about being able to be pay the electric or gas bill...oh hang on you're going to suggest they sit in the dark and freeze in the winter! People being able to save a little bit so they can maybe afford a little luxury item every now and again, by that I mean a day out for the family...

You've actually hit the nail on the head there - the question of family. Should we really feel sorry for someone (given the availability of free contraception in the UK) who chose to have kids, even in the knowledge that they'd be unlikely to provide a decent life for them? I don't view having kids as a human right, they are essentially a luxury. If you need a big house to accomodate them, then you have to accept that you need to work for them.

But why are they working for a low wage to begin with? Most of the time, this is people who played the fool in the classroom and didn't bother showing up for their exams. You know, the popular kids who ended up in a backbreaking, physical job because they couldn't do anything else.

Let's be honest - if you compare the lifestyles of minimum wage workers in the UK as opposed to minimum wage workers in Poland, the Brits are living a life of luxury in comparison.

Part of the problem, of course, is that uneducated manual workers don't know how to look after their money wisely. They have Sky TV, they demand meat for every dinner, they won't consider buying own brand products 'coz it jus dusnt taste the same innit' and generally squander what money they have.
delphiandomine   
29 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

But purely because WE CANNOT AFFORD TO LIVE decently

This is the problem - Brits feel that they deserve to live DECENTLY. The problem is that - why should anyone who didn't bother to educate themselves and who didn't bother to actually work towards anything deserve anything at all except a roof over their heads and food?

I find it bizzare that minimum wage workers DEMAND AND EXPECT plasma televisions, game consoles, foreign holidays, a nice car and so on.
delphiandomine   
29 Sep 2009
Work / Does anyone know If you can register as self employed in the UK while in poland [8]

I was thinking I could put in a tax claim each year as you're supposed to. So I would still be committing tax evasion?

Now...that's an interesting point. If you were paid through a UK limited company and were receiving nothing but dividends from the company (which you'd be free to pay as you want, I think?), you could just pay tax on the dividend income and have no liability for ZUS. As far as I remeber, dividend income is a flat 19% - and you wouldn't be paying any tax in the UK.

I think if you were self employed in the UK and yet residing in Poland, they'd have you with the lack of paying ZUS. But if you're simply the 100% shareholder and director of a limited company in the UK, as long as the company pays UK taxes and you tell the Polish taxman that you earnt x amount in dividend income, there shouldn't be an issue - I think.

Might be worth finding a friendly English speaking accountant and see what they advise?
delphiandomine   
29 Sep 2009
Work / Does anyone know If you can register as self employed in the UK while in poland [8]

My plan was to register myself self employed in the UK as a freelance English teacher but do all my teaching in Poland, whilst living here at the same time.

The problem is that it's essentially tax evasion - you won't be resident in the UK for tax purposes (the 185 day rule would be applied here) but would be resident in Poland.

Yep, it is cheaper, especially with the tax brackets - but you would be running a hell of a risk, especially as a UK business invoicing Polish companies for teaching (or any sort of language services) would set off a red flag if anyone got audited.
delphiandomine   
28 Sep 2009
Life / Pre Paid Visa cards [27]

The most recent was them telling me I had to enter a security code that I had previously set up.

It's all because Maestro uses (or replaces) the former national debit card systems throughout the world - and I don't think they thought it through properly. The amount of trouble that UK Maestro users have abroad is one exmple - all because in reality, Maestro is just Switch rebranded, which was never usable outside of the UK (at least as far as I know?).

Why on earth they didn't simply set up Maestro to act as a Mastercard if needs be is entirely beyond me.

Having said this, Lloyds TSB debit cards are a pain in Poland - acceptance of them at cash points seems to be very erratic in nature.
delphiandomine   
28 Sep 2009
Work / Can an American in Poland on a tourist visa freelance? [7]

This sounds right, but I'm not certain that you'll be allowed to conduct paid employment while on the territory of the Republic of Poland - it depends on interpretation, but my understanding is that conducting business is different from actually working for a Polish employer.
delphiandomine   
28 Sep 2009
Life / Pre Paid Visa cards [27]

What an utter shambolic system Maestro is, it's not helped by the fact that they've just bodged it together from all the former systems in use throughout the world.

I don't know why anyone would even want to take a Maestro card given the utter unreliablity of it.
delphiandomine   
28 Sep 2009
Life / Pre Paid Visa cards [27]

Visa Debit cards usually can work as Visa Credit as well (in so far as what the retailer sees), so there should be no problem utilising internet in airports.

Visa Electron is a different story.
delphiandomine   
28 Sep 2009
Study / Schools to learn Polish in Warsaw [29]

They mention that their experiences with language schools here have been bad

In my opinion, it's quite a common marketing tactic to claim that the people setting up the business were 'dissatisfied' with the competition - leading gullible readers to assume that they must somehow be better than the rest.

Somebody on another thread recommended them already although I find 60 zł an hour for skype or 75zł for one on one very steep.

60zl an hour for Skype is a ripoff, plain and simple. You can get Polish lessons at my school (with an invoice, blah blah) for 65zl an hour - and bearing in mind the dreadful quality of Skype, it doesn't seem like a good deal at all. 75zl face to face isn't bad, but I'd expect the classes to be held in a school and not at the individuals home for that price.

I'm not convinced that the quality of Skype (or indeed the phone!) is conductive for learning.
delphiandomine   
28 Sep 2009
Food / Cost of Nescafe coffee in Poland. [49]

Fair trade coffee is still really expensive here, whereas in the UK, Germany and Ireland it's fairly on par with other good coffees.

I refuse to buy Fair Trade anything - on account that you can clearly see that the retailer is including a nice little bit of 'extra' profit in there on account of calling it Fair Trade.
delphiandomine   
28 Sep 2009
Travel / Polish Zoos and their animals [27]

Here it is. We visited Poznan Zoo this summer.

And still there is only a couple of elephants in an enclosure designed for many more..
delphiandomine   
28 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

Sandwiches are for school children and girls.

Nothing wrong with a decent sandwich. If there was, why are they sold everywhere pre-packaged in the UK?

Pasta and sauce for the whole week, Now thats the sort of answer i was expecting from a pole :D, thanks for not disappointing me but no one wants to live on pasta and sauce for health reasons alone.

Beggars can't be choosers - if you can't afford to eat 'good' food because you're on minimum wage, then you can't afford to be fussy. Anyway, the point is that it's possible to live on minimum wage, not what's desirable.

Let's see - our minimum wage friend wants to get a week worth of lunches. He buys 1kg of pasta for 86 pence from Tesco, 1kg of tomatoes - 1.66, 330g of black olives - 68 pence, a bottle of passata to thicken it up, 85 pence and some ham - 1.64 for 400g. Grand total - 5.68. That's enough for 5 lunches, and let's assume he throws in some sliced apple (24 pence) a day. Grand total - 6.88 for a week.

All those prices are taken from Tesco Chelmsford - which isn't a cheap place to live.

Fair enough i eat some of my lunch on my short breaks but on average the contents of my lunch box is around £4 and its made by myself (except the fruit & yoghurt) as i cannot afford to buy prepared meals.

But this is exactly it - you're choosing to eat fruit and yoghurt for starters. People on minimum wage don't have this luxury - it's one or the other. In fact, yoghurts are quite pricey in the UK.

If you have any sense you don't buy value food.

As I said, beggars can't be choosers. If you're on minimum wage, it's often not a question of 'sense' but more a question of affording to eat.
delphiandomine   
27 Sep 2009
Life / Pre Paid Visa cards [27]

But they don't help build a credit history like a regular Visa. Right? I wonder if that matters to Sury.

They do, because you still have to use it responsibly - not going overdrawn, etc etc.
delphiandomine   
27 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

EU memberships fine as far as trade and business is concerned, but total freedom of movement is insane and countries that join the EU should all be on a par with one another.

If that principle had been applied to Britain in 1973 ("The sick man of Europe") - then the UK would've been in even more of a mess than it was that decade. Anyone who knows the history can tell you that Britain was economically screwed at that point - and needed EEC membership desperately. The subsequent endorsement of EEC membership should be seen as a reflection of those times - that Britain needed EEC membership.

Is it really fair or moral of Britain to then turn round and refuse membership to those in need?

I believe in "British jobs for British workers".

So you believe in an ending of attracting the best graduates in finance to the world's financial centre - London? Or an end to attracting desperately needed new talent to Scotland, which even launched the Fresh Talent Initative in order to attract quality individuals that just couldn't be found in Scotland?

If employers pay decent money and don't expect people to live on fresh air, then there are decent enough British people out there already to hire.

And you think employers will happily pay more money to British workers? Given that many small to medium businesses have been laying off workers left-right-centre, just where is the money coming from to pay higher wages to Brits to ensure that they have a high standard of living?

The thing is that there *isn't* enough decent British people to take the jobs. It's been documented widely that Brits just didn't want to do the jobs strawberry picking for instance - although this is partially the fault of a ridiculous benefit system which doesn't encourage part time work.

I notice that no-one here remebers that many Brits moved to Spain and took advantage of the freedom of movement of labour. If Britain closes her doors, then the rest will close the door to Brits - and everyone will suffer. Do you really want that? Personally, and I'm sure I'm not alone - I quite enjoy the fact that I can move to 26 other countries and work without any formalities whatsoever.

Ultimately, the UK can't have it both ways - either they have freedom of trade and thus freedom of movement of people, or they have neither. Free trade outside of the EU means a similar idea to what the USA does - free in one direction. Does anyone genuinely believe that the EU is going to be like "okay, no problem, you can leave and yet keep all the benefits?". Of course not - and I imagine a huge tax slapped on British residents in Spain will be the first measure.
delphiandomine   
27 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

And everything you say can be directly attributed to the Great Council House Selloff. It's a fact that if you want to work in London for minimum wage (why would you, when you can have a much better quality of life elsewhere?) - then your living conditions will be absolutely dire.

Don't start blaming Thatcher for everything

Again, you're blaming New Labour for something that is directly Thatcher's fault - the sell off of council houses. You're being priced out because everyone is now a homeowner - and everyone wants to make a profit from their home. Councils were under no such obligation to make a profit - and the difference in rent between social housing and private housing is astronomical today as a result.

If you want anything halfway reasonable in living conditions and have to rely on the state to provide it, then the lists are long.

See also - the Great Council House Selloff. There is plenty of wonderful ex-council stock around - just look at the value of many 1950's-built houses today!

Immigration needs to be properly controlled, a cap placed on numbers and an end to being able to get married for a passport. End of story.

Which means no more EU membership, yes?

Similarly, I wouldn't want to hire a woman that had just got married and was more than likely about to have kids and disappear of maternity leave and cost me £1000s.

To be honest, I agree with you here - and I believe that anyone falling pregnant in the UK within a year of starting work shouldn't be entitled to any maternity benefits whatsoever.

Why would you only hire people with British passports if you had a much better qualified immigrant on offer, though?
delphiandomine   
27 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

Have you any idea how long a single person would need to wait for a council flat ?

There are flats available *today* to take. I have a good friend involved with housing in Aberdeen who assures me that if you want a roof over your head, you can have one tomorrow. Of course, your neighbours will be mostly the scum of the earth and you can expect to have at least one heroin addict in your block, but that's not the point. The flats themselves are habitable, they're secure and pefectly livable.

Of course, if you want something in a good (or even just an average) area, you'll be waiting a long time. I'm not denying this - but the point is that you can have accomodation for 50 quid a week. If you *need* to live in a better area, it's your choice. But the whole "I CAN'T LIVE ON MINIMUM WAGE" is nonsense - of course you can, if you accept that you won't be living in a palace.

I work in collections for a major High Street bank and as I have said before on here, the percentage of foreign nationals in debt compared to the percentage of foreign nationals in the country is wildly different. You're talking about 30-40% of a bank's bad debt book being made up of foreign nationals, but they are in no way 30-40% of the population.

I can believe it. So much easy credit was thrown at foreign nationals, many of who were working in clearly-temporary jobs - and I think the people responsible for authorising such lending should've been taken round the back and shot. It's clearly nonsense to go giving overdrafts and loans (and indeed, debit/credit cards and chequebooks) to foreign nationals with absolutely no track record in the UK. One look at Poland should have told them that credit isn't so easy to obtain here and to lend accordingly - people unused to easy lending will by nature go wild.

Do you have any means of enforcing debts on people that have gone by to Poland, for instance? If not, then it points even more at utter incompetence by those running the lending departments.

I have friends in the manual labour industry back home most of them are very hard workers and used to earning good money, many of them have mortgages and children. The fact that 100,s of thousands of Poles came to England and worked within their industry for less money directly affects their life styles.

That's the nature of free competition. As you say, they were 'used to good money' - but the game changed and they didn't adapt, thus they fell by the wayside. It's called evolution - and as we evolve, some win, some don't. Why didn't some of these manual workers take advantage of Polish immigration and set up recruitment agencies for manual labour jobs? I'm sure with their experience in manual labouring, they would've made a killing.

Don't forget that the EU also brought the ability for the British to take advantage in Poland. Look at all those British property speculators in Poland - some made an absolute killing here. This money isn't being spent in Poland, it's being spent in the UK. Tesco is making a killing here - there's 5 supermarkets in Poznan alone.

Personally, the real issue with the amount of immigration was in public services - most of which were struggling to cope before 2004 and were pushed to breaking point. Schools are a great example - I was reading about one school that had Poles, Slovaks, Lithuanians and Latvians all in the same class - with huge problems with language as a result.

How about we all move to Aberdeen, and then when we can't afford to live there either - where do we move to next?

If you can't afford to share a flat with a private bedroom on minimum wage, there's something seriously wrong with you.

Look at this for instance - it's pretty much in the city centre of Aberdeen.

aberdeen.gumtree.com/aberdeen/12/46183712.html

If you can't afford to pay 75 p/w along with 25 p/w council tax on minimum wage, where are you spending your money?

Let's not forget something here - it was the infamously loathing of the EEC Margaret Thatcher that sold off all the council houses. It wasn't the immigrants!
delphiandomine   
27 Sep 2009
UK, Ireland / Polish people are happy with the UK health care system [27]

Exactly - sure, the government can say that £x millions are being pumped in, though I am aware of a few instances where money is just squandered, and surely these instances are just the tip of the iceberg.

There are some horrific cases, such as where doctors are being recruited from abroad and two sets of recruitment companies are creaming off a decent part of the money offered by the NHS - how is this in any way cost effective?

But the whole system needs all political parties to cooperate and change the entire system - from top to bottom. Putting an end to middle management in hospitals would be a start, as would eliminating many non-jobs. Likewise, eliminating the current system of GP's being quasi-private and instead introducing fixed salaries for GP's - it still amazes me as to how utterly screwed the Government was with the new-ish contract for them.
delphiandomine   
27 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

No discrimination in Scotland, or at least in the area where I live, regarding jobs.

I think most Scots are pragmatic enough to realise that they don't want to do rotten jobs for minimum wage, so they're content to let immigrants do the jobs instead. The attitude of Scots towards Dunvagel across almost all aspects of the political spectrum said so much about that.

Let's not forget that Scots were also immigrants themselves to many parts of the world - indeed, Bonnie Prince Charlie had a Polish mother!

Unfortunately, the English seem to have forgotten that they themselves were immigrants in many parts of the world.
delphiandomine   
27 Sep 2009
Law / The new Law in acquisation of Polish citizenship in 2009 [15]

and seriously, whoever made the "dual nationality" popular is a sicko. this concept absolutely destroys the principle of patriotism. you cannot serve two masters at the same time - never - and that's very basic. what if the countries that you are a national of just decide to start bombing each other and all nationals are required to enlist? what are you going to do? where would your loyalty lie? huh? ask your passports, maybe they can give you an answer. sheesh, JUST CHOOSE ONE FOR PETE'S SAKES!

What about in my case, where my nationality isn't the same as my citizenship? (British citizenship, Scottish nationality)

I don't have any allegiance to the UK whatsoever, nor do I have any to the British state - yet because there's nothing such as a seperate Scottish citizenship, I have to carry a British passport until such time that it changes.
delphiandomine   
27 Sep 2009
News / ARE POLISH PEOPLE TAKING OUR JOBS OR DOING OUR JOBS??!! DISCUSS. [126]

What plent are you living on?????????????????????????? You honestly reckon someone can live on minimum wage????????????

Easily. Plenty of people can and do - just go on MoneySavingExpert and see for yourself. It involves quite a bit of effort and planning, but it's doable!

40 gas
35 elec

Dual fuel bills can cut this down. Likewise, no need to heat every room, or to keep the heating at 27c the entire time. Indeed, Polish communist heating isn't even on during the summer and we cope just fine. Insulation and so on can cut bills down even further.

100 ct

Fair play.

at least 400 rent (even in a **** area, not sure how long youve been out of the counry?)

For a single person, you can get a council flat in Aberdeen no problem for less than 50 pounds a week. Hardly a great flat, but a flat is a flat.

30 phone (land line)
25 mobi

Why does someone need a mobile and a landline if they're on minimum wage? One or the other!

60 water rates

Cut down on wastage and make sure not to live somewhere with a meter attached.

10 tv (normal)

People on minimum wage can make do with television over the internet. 4OD and BBC iPlayer don't require a tv licence.

50 - 150 travel

Get on a bike! Unless you've got a commute of over 10 miles, there's no excuse not to ride to work.

100 food (given that some people eat fresh food)

I used to live in Chelmsford, and every day, you could buy fresh food from the market for ridiculously low prices at the end of the day. But 100 a month for food is fair.

you do the maths genius? on £6 per hour how much would a person have to earn to actually live? I mean just live?

I calculate it as around 550-600 a month needed to live. Minimum wage pays about 800 - so they've got 200 left a month to enjoy as they wish. If they really can't live, they can always work a Saturday shift in a supermarket to give them an extra 150 or so a month. If you can't live in the UK on over 900 pounds a month, there really is something wong with your lifestyle.

That wouldn't even cover my lunch for the week,

That's because you're a traditional Brit who has to buy sandwiches every day and a coffee. If you made your own sandwiches and took a flask, you'd be looking at 25 pounds a month for lunches maximum. I can knock up a huge pot of pasta and sauce for about 3 pounds (in the UK) - so really, where are you getting 25 pounds a week for lunches from?

Of course, if you can't cook properly and rely on ready meals, I'm not surprised you end up spending over 25 pounds a week on lunches.

Hey wife and children sorry about this but were moving into a **** hole, you can forget everything you ever knew we are now officially skint. Please, what is this guy all about?

Hey kids, sorry, but we're moving into a council homeless hostel because daddy was too proud to live within his means and now the banks want their money back. :)

It's funny how much people in the UK actually are in a sea of debt, just because they cannot change their lifestyle and instead blame immigrants for everything.