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Posts by bullfrog  

Joined: 23 Apr 2009 / Male ♂
Warnings: 1 - A		 Last Post: 19 Aug 2015
Threads: Total: 6 / In This Archive: 4
Posts: Total: 602 / In This Archive: 446 		From: istanbul
Speaks Polish?: trochke

Displayed posts: 450 / page 11 of 15
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bullfrog   
2 Oct 2011
Food / Coffee in Poland: cheap and undrinkable / expensive and good [89]

Is there a decent alternative to all this?

i drink exclusively espresso (can't bear the other stuff.) and buy my stuff at the nespresso shops (in nowy swiat, or paris or zurich..) depending on the pln/eur/chf exchange rates of the moment..
bullfrog   
28 Sep 2011
Travel / Poland in photo riddles [3134]

You do have strange taste for the colour of your sex toys...
bullfrog   
28 Sep 2011
News / Europeén Union will finance the 2nd Warsaw metro line. Good news. [60]

Having lived 8 years in London and 6 years in Warsaw, and although I don't have hard evidence to back this up, i am not sure I agree.. In fact, part maybe from hypermarket/supermarket jobs, it would very rare to find a job paying the minimum wage in Warsaw, most jobs would pay at least 2,500 PLN per month.. In fact, the average salary in Warsaw is 50-60% higher than the national average..

However, for relative cheapness of public transport, I'm not sure many cities beat Zurich.. A single tram ticket (zone 10) costs 4,10 CHF and although there is no official minimum wage, it would be very difficult to find a job paying less than 3,000 CHF per month/36,000 CHF per year..So you can buy 732 tickets per month !
bullfrog   
27 Sep 2011
News / Europeén Union will finance the 2nd Warsaw metro line. Good news. [60]

Wow , Krakow is expensive.. In Warsaw, a cab ride to centrum will set you off 45 PLN, and a bus ticket ca 3.20 PLN.. Anyway,the minimum salary in Poland (1 386 PLN) buys you 31 taxi rides from the airport to the centre, versus 16 in London (1027 GBP and 65 GBP cab ride) or 25 in Paris (1365 € and 55 € cab ride), so it is comparatively cheaper in Warsaw (maybe not in Krakow!!)
bullfrog   
26 Sep 2011
News / Europeén Union will finance the 2nd Warsaw metro line. Good news. [60]

It's a shame they can't (or won't) expand the rail line near the airport to actually serve the airport; an increasingly important city like this should consider this to be on its list of priorities. Even a tram link would be better. Manchester will soon have both, and it's not even a capital.

Agreed, but you have to take into account that a cab ride from the airport into the city is much cheaper in Warsaw than of any other european capital I know (6/7 times cheaper than in London)..
bullfrog   
18 Sep 2011
UK, Ireland / What do Polish people think about Wales and Welsh people? [191]

Yes, and its full of welsh gold,unlike your mountains which are full of jewish gold................

well, for once, I am going to have to quote Wikipedia "The name Snowdon is from the Old English for "snow hill" . So it is a hill (maybe a glorifed one) , not a mountain.. Of course, the UK invented this 2,000 ft boundary to pretend to have mountains.. A bit like Afganisthan talking about roads..
bullfrog   
18 Sep 2011
Real Estate / Restructuring of polish chf mortgage [42]

whats he supposed to do if the repayments have doubled, the property is worth 30% less than what he paid and the exchange rate between CHF and PLN is 35% in the red as well. What if he doesnt have enough money to even feed his own

Maybe he/she should have something that is called the brain in the first place when he/she bought this mortgage.. Choosing a mortgage in a different currency that either the property is quoted in or than your income is denominated in is just plain nonsense..
bullfrog   
17 Sep 2011
Real Estate / Restructuring of polish chf mortgage [42]

I just walked away from mine. You should do the same.

i hope you live in the US and not in Poland...If not, the stain on your credit rating will follow you during your entire life..
bullfrog   
16 Sep 2011
Law / Why is US $ getting so high or Polish zloty falling? [60]

Unless somebody somewhere is able to wipe away about $80,000,000,000,000 in debt the global economy will get worse.

There is no such thing as a $80,000,000,000,000 debt in the global economy. You're mixing up notions
bullfrog   
14 Sep 2011
Real Estate / Poland's apartment prices continue to fall [1844]

How big is this place ?

520 sq meters

The person who sold you the house in 2008.

Please read the post before answering: no one sold me any house in 2008, I had one built.

your former lanlord who prefers to have her house empty ,does not care about income ,rather than lower her rent.

I can understand landlords who decide to leave the house empty because they don't need the income, that is a matter of choice. But then, why is she putting the house on the market at all? If you put it on the market in the first place, it is because you need or would like the income, isn't it? And in this case, refusing to move a few% and risk not having a tenant is not a rational decision (potential tenants do not come by the bucketload at this end of the market). In my ex landlords' case, it is quite simple: if she had accepted to take on a tenant at say 25,500 instead of 27,000 (so same discount as the one I accepted), she would have made an extra gross rent of 204 kPLN (=25500*8 months). Even if she received today an offer by a tenant for the full 27,000 PLN/month, she will need ...136 months (=204000/1500) so ...11 years to recoup the lost income..Hardly rational , is it??
bullfrog   
13 Sep 2011
Real Estate / Poland's apartment prices continue to fall [1844]

If they can afford to wait ,why sell at a lower price? I personally hate the anglo saxon habit of bargaining for everything. If your budget is 300.000PLN why visit places proposed at 600 000 PLN ? It is annoying for the seller and a waste of time and energy for everyone.

simply because time is money, and waiting with an idle asset on your hands is just plain loss. I was living in
warsaw until recently and paying a tent of 27 000 pln per month (i know it is high). at the same time, i had a house built in warsaw which i was renting out for 24 000 pln. Lease came up recently and after several visits, i accepted to lower the rental price to 22,700 pln and signed in a new tenant. The owner of the house I lived in has refused to bulge from her 27 000 pln and guess what, after 8 months, she still has no tenant. So, who was right?
bullfrog   
13 Sep 2011
Law / Why is US $ getting so high or Polish zloty falling? [60]

this is a back up line, not designed to be drawn, the objective of which is to demonstrate to the markets that the debtor (in this case the Polish Govt) has ample creditworthimess and liquidity. It' s a common feature in the international markets, used by many of the world's best rated companies.
bullfrog   
13 Sep 2011
Law / Why is US $ getting so high or Polish zloty falling? [60]

If so, we'd already be in a meltdown as the WIBOR adjusts those borrowers' payments UP. My understanding is that loan payments taken out in Franks are re-calculated on a 6-month WIBOR (warsaw inter bank offer rate) rate between banks and then a 2 or 3-month rate for individuals. This means individuals do see increases, but it's not like one day it's 500 zloty the next month it is 1000. Obviously many people would default.

The figure of 54% quoted by LK is correct, but the statement above is wrong. CHF mortgages are not indexed on the WIBOR but on the CHF LIBOR, which went plunged 2 years ago following the 2008 crisis and had remained since in the region of 0-0,25%, to which you need to add the margin taken by the Bank. So in the period 2008-late 2010, the rise of CHF/PLN was offset by a decrease in interest rate paid by the client (if you count a 150 bp margin for the bank, that would be from ca 4% to ca 2%). The recent bout of CHF appreciation has caused much more difficulties because CHF rates cannot fall lower (not much room left!) and therefore the impact of the rise is fully felt.
bullfrog   
13 Sep 2011
Real Estate / Poland's apartment prices continue to fall [1844]

hmm I've seen home/apartments still not sold after 2 years.

This has only to do with a peculiar "polish" attitude made of a mix of stubborness and misunderstanding of what a market is. When they want to sell and once they have set what they believe to be the "right" price for their house/flat, they will rarely bulge from it and adjust it downwards if that's the way the market is moving. They think their price is right and prefer to stick to it and wait for the market to move their way which can sometime take .. a very very long time..
bullfrog   
11 Sep 2011
History / How do Poles feel about 10th anniversary of 9/11 [40]

Yeah, nothing new, these are the usual theories of a bunch of idiots who say that the whole 09/11 was a conspiracy by the US government/military/Israel.. Next they will be explaining to us that the Sun revolves around the Earth..
bullfrog   
9 Sep 2011
News / Prime Minister in Krynica on European integration [53]

Yeah, Germany and France would curtail the Slavic influence for sure. I wonder what Merkel and Sarkozy have to say about Poles.

before he was President, in 2005, Sarkozy said that Poland was the natural leader in the CEE region within the EU and that as such it should be integrated into the G6 of the EU to represent the region' s interests

s

Today from Krynica, tomorrow from Warsaw, but also from Brussels and from Strasbourg a very powerful voice should be heard, sustaining the spirit of all those who believe in the meaning of European integration, not only in the sense of the status quo, but also to further promote integration,’ the Prime Minister said.

can't be in warsaw, brussels or strasbourg, the quo are playing tomorrow in Zurich!!
bullfrog   
9 Sep 2011
Love / POLISH GIRLFRIEND WONT PAY HER WAY [127]

lol, in slavic countries like Poland, the women are all either gold diggers or hookers. As they say, no money, no honey, baby.

Utter nonsense.. Money Honey is not even a Polish song, it's American..
bullfrog   
8 Sep 2011
Work / How To Study In Poland and stay with my GF? Inability to move to Poland looks stupid. [60]

Poland ( and a number of other states who require minimum amount of $ from "students" from not-too-well-developed countries )

Ha, ha, ha.. I am not sure that Turkey qualifies as an "underdeveloped" country, at least when you compare it to Poland.. The difference in GDP/capita between Turkey and Poland is about the same as between Poland and the Czech republik..