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Posts by delphiandomine  

Joined: 25 Nov 2008 / Male ♂
Warnings: 1 - Q
Last Post: 17 Feb 2021
Threads: Total: 86 / In This Archive: 69
Posts: Total: 17813 / In This Archive: 12419
From: Poznań, Poland
Speaks Polish?: Yeah.
Interests: law, business

Displayed posts: 12488 / page 158 of 417
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delphiandomine   
30 Sep 2013
Real Estate / Restructuring of polish chf mortgage [42]

I trust the word of "greeno" and many others who tell the same story.

Warszawski, can you shed some light on the thought processes of people who invested in these mortgages in Poland without really being aware of the risks?

It seems crazy to me to invest in property in a foreign country if you don't know exactly what you're doing.

Peterweg,terms and conditions have no substance unless you can read them...

As I understand it, under Polish law, if both parties agree to the contract being in x language, then they are legally binding.
delphiandomine   
30 Sep 2013
Real Estate / Restructuring of polish chf mortgage [42]

I asked plenty questions but was reassured that the CHF was the most stable currency and wasn't given an option in PLN! We know that currencies fluctuate but not to such extreme as the CHF.

The fluctuation was actually not that surprising at all - the Zloty was clearly overvalued once it went below 3.5/1 EUR - and it was obvious that the CHF was artificially weak against the Euro and other European currencies given the strength of the Swiss economy in general. But given CHF interest rates, are you sure that you've actually lost out? Yes, your payments might be dramatically higher - but it's likely to be still cheaper than a PLN loan.

Obviously I was naïve to think that the middle men were truly acting in our interests, ! Myself and 1000's of others!

Why would they be? If they were cheap, then they were obviously working for the banks.
delphiandomine   
30 Sep 2013
Real Estate / Restructuring of polish chf mortgage [42]

At no time did anybody from the bank contact me to advise on the dangers of fluctuating currencies.

Wasn't it somewhat obvious that if you borrow in CHF and earn in GBP, you'd be at risk from the currency movements?

I was never given ANY advice or options on the kind of mortgage I was going to receive.

You blindly entered a mortgage agreement without even considering things? Sorry, but that's madness - even with my plain boring PLN mortgage, I asked about 10-15 questions during the whole process.
delphiandomine   
29 Sep 2013
Law / Acquiring Polish citizenship by naturalisation [40]

I haven't got the permanent residency yet so the administrative route isn't for me at the moment!!

The people responsible for making such decisions are highly unlikely to approve someone for citizenship if they haven't fulfilled the criteria for permanent residency.

As i said before I'm going to re-apply again."If you don't ask, you won't get".

It's pretty pointless reapplying if you've been refused once, unless something dramatic has changed.

I don't give up delphi!!!!

In this case, you might as well - the President isn't going to approve an application from a mundane person who already has the right to live and work here.
delphiandomine   
29 Sep 2013
Law / Acquiring Polish citizenship by naturalisation [40]

See, this is where you need to understand the system.

The Presidential route to citizenship is for those exceptional people who Poland wants to have as citizens. For instance, a world class football player who plays in Poland and who wants to play for the national team can apply under this procedure, or perhaps an incredibly talented musician who fled persecution in his home country.

It isn't for mere mortals - for us, we have a clearly defined path to citizenship that must be followed. In your case (applying on the basis of being married to a Polish citizen) - you need to follow the same rules as everyone else - 2 years permanent residency combined with a certificate confirming that you obtained a pass in one of the State exams in the Polish language.

In your case, rejection was almost certain. Did you submit any documentation confirming why you are an exceptional resident of Poland that needs citizenship?
delphiandomine   
29 Sep 2013
Law / Acquiring Polish citizenship by naturalisation [40]

I received negative decision by the president of Poland about my application for polish citizenship so I'm very sad about it:(( I have to say, I' m going to apply for polish citizenship again and I hope to get it in my second try, I hope so!!

But what criteria are you applying under?

My question is....What are the chances to get it? I know it depends on the president and I know the president hasn't got to justify his decision so I just want to know your advices.

In 99.9% of cases, it doesn't depend on the President. What you need to understand is that by applying directly to the President, you're applying for citizenship under extraordinary circumstances - and I very much doubt that you have extraordinary circumstances.

As far as I can see, you simply haven't met the criteria for citizenship.
delphiandomine   
29 Sep 2013
Law / Registration of right hand drive cars in Poland - possible? [82]

how would a polish copper know that you and your rhd car have been in poland for more than 6 months?

Depends how determined they are. For instance, a simple check of your bank account would certainly do that.

what is this 6 month rule? - is it 5 months 28 days ... drive to germany ,,, back in to poland a couple of days later and you are good for another 6 months?

In general, it will be six months primary residence.

do they have cameras on every road which is on the polish border - and which reads uk/ rhd cars as they come in?

They don't need to. If they have a suspicion that the car is being used illegally, they can simply impound it pending investigation - a quick check of your bank account will soon establish the primary residency criteria.

However, in practice, you're going to find that the police don't give a monkeys unless you give them reason to be.
delphiandomine   
28 Sep 2013
News / How do Poles feel about the outcome of Germany's elections? [90]

The spirit of "Recovered Territories". People who still come up with that nonsense just changed colors - from commie red to PiS brown ...

Yes. There is an excellent post somewhere on this forum that shows how they did just that - and how much of what PiS come out with these days is regurgitated Nazi/Commie nonsense. The stuff blaming the UK for betraying Poland was straight out of the Communist textbook on how to brainwash a population, and yet is believed by PiS supporters.
delphiandomine   
25 Sep 2013
News / Silesians Vote in German Federal Elections [23]

The Catalans will have to join the EU on the EU's whim and its probable that one of any of the existing states would veto its entry. That would be the end of Catalonia's economy as EU and international companies would exit taking their jobs with them.

Spain wouldn't have much of a choice - they may attempt a veto, but Germany (as is becoming normal for her) would apply some pressure and Catalonia would be admitted.

The real problem for Spain in the long term is that if Catalonia goes, the Basques may very well follow.
delphiandomine   
24 Sep 2013
Study / My experience in Poland (Poznan) as a student who recently moved from Syria [117]

Estonia doesn't need any Scandinavian know-how. This small country is a world leader in IT and Internet security.

That was due to two reasons - proximity to Finland and Sweden combined with political leadership that recognised the absolute need to become a leader in that area.
delphiandomine   
22 Sep 2013
History / Is Jozef Pilsudski the king of modern Poles? [138]

I firmly believe Poland has a MUCH different experience in WW2 with Pilsudski around.

Not really, unless you're suggesting that Pilsudski would do a deal with the devil in order to save Poland.

In fact, it may have destroyed the Pilsudski mythology completely.
delphiandomine   
16 Sep 2013
Law / Permanent stay in Poland for a engaged brazilian? [9]

I'd like to know if it's possible for me to move there permanently for I intend to study and work as well.

It's certainly possible. But it won't be permanent until you've had five years of a clear work history.

If so, how difficult is it?

Depends on what you can do. Moving here to study is easy, not so easy to find a job that will let you stay as a worker and not a student.

I've applied for my citizenship but my great-grand-parents came here in 1912, thus the procedure is being quite tiresome and it seems it'll be impossible. (for me, the reason is just unfair, but anyway - this is not the matter here).

I wouldn't even bother, as they weren't citizens of a Polish Republic.

I'm engaged - Is there a way to bring my fiancée with me? She speaks english and a bit of french as well

If she studies or works, then yes.

Is there a lot of muslims there? I mean...well, you know. Just feel a bit unsafe with muslims around as I read news on the internet (Don't mean any disrespect, anyway)

Yes, there are plenty.
delphiandomine   
16 Sep 2013
Love / Polish girls- breasts size [65]

I just stated the fact!

And that excuses your behaviour towards Paulina how, exactly?

By all means talk about how you spend your days staring at breasts, but don't abuse our members if they're uncomfortable with you.
delphiandomine   
16 Sep 2013
Love / Polish girls- breasts size [65]

Could you, perhaps, stop being chauvinistic towards one of our valued female members?
delphiandomine   
16 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

great article in the guardian about the protests . good to see a sane perspective from england and not biased expats.

The Guardian has consistently had an anti-Government bias in respect to Poland.

with unionists considered to be protesting merely to "gain profits for themselves",

Those of us living here know how Solidarność frequently disrupt things to maintain the privileges for their members that ordinary workers don't have.
delphiandomine   
15 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

Wow, such an unusual gift! You can see the people's (crowd) character just by looking at the picture!

Quite easily when you've seen the damage done first hand to some businesses by Solidarność and their demands.

It is againts what you said "trade unionist thinking only about themselves". They wouldn't be interesed in keeping old labour law, if they were retired now.

Of course, you must remember that the crowd also contained people who were there to protest against the Government in general.

You also don't know what are you talking about. They can't be a member of trade unions if they are retired or unemployed.

They certainly don't need to be members to protest.

I'm sure you know this from the picture...

Quite easily. The lack of young people says it all.
delphiandomine   
15 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

I was there, there were also young people, but You didn't seen it on TV...

I can see from the picture that it was mostly old, stuck in the ways people who don't want to have to actually do anything to earn money.

However, so what that they are old?

Most of them probably are close to retirement, if not already retired. We know the type, and they are exactly the kind that don't want change - they've worked 30 years on the 7-3 shift and see no reason whatsoever to change things, even if it means the business struggles.

You can hate trade unionist and be blind on reality, your choice...

The reality is that trade unionists are only interested in one thing : looking after their own in the short term.
delphiandomine   
15 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

Er, no any law that demands more the an 48hour week will be illegal under the Working Time Directive. Its not going to happen.

Now now. The trade unionists will have you believe anything!

Poland accepted this when it joined the EU, this entire thread is based on ********.

It's the usual Solidarność scaremongering tactics. I doubt the OP even lives in Poland.

Also, its a requirement that you have a 13hour rest period in every 24hours.

Hmm, is this so? I wasn't aware of a minimum rest period...
delphiandomine   
15 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

I'm sorry, but I can't take someone seriously who equates having to work some bad hours with slavery. I'm sure most of us on here have worked long hours before and don't see the need to cry about having to work 10 hours one day as opposed to 8.

At the end of the day, it's for the employee and employer to decide. If someone isn't worth very much on the labour market and can be replaced easily, then they have no-one to blame but themselves. There is no right to work in Poland, nor should there be - we tried that experiment before and it didn't work.

They live in POLAND not Saudi Arabia. Their children are at home on Saturdays and Sundays not Mondays.

That's their problem. If they don't like it, then they should work in a job that doesn't require such working. I'm sure someone else would be happy to have their job, especially as outsourcing companies tend to offer decent terms and conditions.

I found this and thought I'd share... thenews.pl/1/9/Artykul/147250,Unionists-hold-protest-finale-in-Warsaw

Look at the picture. How many of those people there actually work, given the high amount of older people in the crowd and very few young people? I repeat what I said - this protest was about protecting a very cushy/easy life for trade unionists, not about employment law at all.
delphiandomine   
15 Sep 2013
Real Estate / Applying for a mortgage in Poland (wife and husband) [9]

What documents do they need to show the bank for the extra income which comes from their small company besides bank statements?

Unless something has changed, you'll need to go to your accountant and get a copy of your latest tax statements covering the past year (or two years) - which he/she will sign and stamp as being truthful. That's normally enough, although individual banks may want something else. You really have to ask the individual banks - but when I got mine, all the bank wanted was details of the average income from the last 12 months as well as the statements about tax.

It's worth pointing out that the bank will look at net profit in regards to the business.
delphiandomine   
15 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

If they wanted "maximum benefit", they wouldn't employ them under umowa o prace to begin with.

What will change is that employers will feel more able to employ people under those contracts, as they will be able to use the labour quite flexibly.
delphiandomine   
15 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

It may look like a "badly needed change", but I'm afraid that in Polish reality employees that were exploited already will be even more exploited.

I think it's important to analyse who is protesting and why.

For me, what this means is that many State-owned businesses (or majority State owned) will be able legally to demand flexible working conditions from their employees. That was missing before - and those employees often were very rigid in their mentality towards flexible working. Businesses in general will be able to deploy their labour far more flexibly without falling foul of the rules - which means that they should be more willing to give umowa o prace in the first place.

Most genuine private-sector workers were already working somewhat flexibly as it is. No-one sane is going to push employees into difficult split shifts - they'll lose the good workers very quickly, and it's hard enough to find good reliable employees in Poland.

I don't think it'll lead to any extra exploitation - in the "Polish reality", exploited workers were never on umowa o prace to begin with. If you want to exploit someone, you aren't going to give them a contract that gives them significant rights.

"but they will get those hours back at quiet times." - pracitce shows that workers don't get those hours.

Since when? In virtually every business I've seen, they keep a very close track of these things for fear of the consequences of breaking them. Labour law (for those on umowa o prace) is very heavily loaded in favour of the employee.

What about payable overtime?

If it's genuine overtime, it'll be paid. But if it all averages out at 40 hours, why should overtime be paid?

What about working partialy at one day? (7-9; 11-1pm, 2-3 pm etc.).

Already a reality for many seasonal workers. And most business owners know fine well that making someone work that sort of shifts won't work in the long run - the productivity losses by keeping people hanging around will more than outweigh the benefits of not paying them for a couple of hours.

So, you work 12-hours a day (cutted in few parts a day), you can be fired after 6 months and don't get money for half a year overtime work.

Except it won't work like that, because the 12 hour days have to be averaged over 6 months. Someone genuinely working 12 hours a day for 6 months would be in line for a massive overtime payment, as well as the employer being in significant trouble for breaking the law. If they have breaks in the middle of the shift, then it's a free labour market - they didn't have to accept the job.

What can and will change is that many state-owned companies may now start to demand genuine flexibility from workers. They may have to start working around the business, rather than the previous situation where the business worked for the employees. I suspect at least some of the protests come in that direction.

From an employment point of view, this situation actually makes it much easier for employers to hire people on proper contracts. For instance - let's say you run a hotel that's very popular in summer and in the winter holidays. Your workers can now legally work 12-14 hour days in season, while getting that time returned to them in the unpopular spring and autumn months. It works for everyone - they get a proper contract, they get masses of time off when the business is quiet and everyone's happy.

More... according to this law, employer can push employees to work in one day for example from 8 to 10, then 12-1 pm, then 2-5 pm, and 7-9 pm - and it'll be counted as 8-hours day.

Yes, but any employer doing this wouldn't be offering umowa o prace in the first place.

More... government is preparing act about liquidation of free sundays nad saturdays - if somebody work in foreign company, which is oriented to states, which don't have similar to polish holidays. For example, if somebody work for arabic company, has no right to free sundays (and in fact fridays too...).

Which makes sense. They can have free Mondays and Tuesdays instead.
delphiandomine   
15 Sep 2013
News / Have You heard about legalizing 12-hour working day in Poland? [38]

Has anything actually changed? As I understand it, all that changes is the reference time period, meaning employers can use their labour more flexibly. Yes, it means that people might have to work longer hours, but they will get those hours back at quiet times. It was a badly needed change, especially in the service industries.