Study / Primary school education for children (PRIVATE) [14]

Thank you inPolska,
Hmmm, thanks for that, this is my biggest worry that private school is only a premium fee school but with teachers who are not motivated and low paid. This subject will not touch us directly in next 4-5years I believe but it's worth starting a research now. Teaching how to memorise stuff is really bad it simply doesn't work and this is not something I would be paying for... With home education, if done in UK I can get private tutors but these are mainly if you moving a lot, loads of rich Russians have that sort of education for their kids. I would need to do more research as my knowledge in this subject is very narrow. Wonder if only Poland has this education system when they teach on how to memorise things instead of having debates with a child.

Child definitely need to socialise with other kids, she is 16months old now and she loves kids, screaming "dzieci" when she see them. So definitely contact with other kids would be very much needed. I can understand home piano lessons, perhaps home English lessons as an addon, I would prefer some English teacher to come around. Wonder how much they would charge. This could be handy.

Study / Primary school education for children (PRIVATE) [14]

It has crossed my mind but it won't be that easy to approach, of course I can go to school itself but I expect to listen all superlatives about school, as you correctly pointed out its still a business so for them it's a bread and butter and they tell you what you want to hear. Talking to parents won't be that straight forward as usually these schools are closed and strangers cannot get in, private education in Poland it's relatively new, young model, where in UK we always had that as an option, before that was private education at home etc, so I can tell about that concept looking at older generations and this always worked, when you meet some of lawyers, doctors, engineers you can tell what sort of education they completed and quite often that was shaped by private. As Poland following west I can see that everything is coming slowly, after 50years probably private education in Poland would be on good level as people will be able to see which schools actually had "best" pupils etc... I think forum is the best way to ask, not sure if I will get an answer of someone who already had some experience with Polish private schools but I very much hope so. It more likely would be a foreign like me so he will have an idea how to compare education system, as Polish parent could say this is fabulous school and education level is amazing but how would he know what the European standard is, not many would be able to compare it properly.

Study / Primary school education for children (PRIVATE) [14]

I think every child deserve attention and schools should determine which profile would be right, some kids cannot stand I don't know let say maths but they are great at sport. I would be expecting a school to find that sort of talent or even interest which child has and then we can develop that further with both parents and school input, that would be ideal. We cannot say one is more clever than the other, every human being would be good at certain thing, problem is that we have loads of people who are waste of time (I'm talking about the ones which does drugs etc) but as a child they didn't had a clue what the drug is, they were like blank piece of paper with was then filled by life. This is where school and parents should put the kid on right track, by observing child interest, what he/she is good at etc. You can become a PRO of anything, that has been proven, all you need to do is to spend 10000 hours practising it, of course if you hate it and you doing it only because someone told you you must do that, you will have no passion and you may still do it but you won't be happy.

I don't mind if I had to move back with my family and get my child to finish school in UK I would do that, don't mind spending 30K GBP per year if it's done right, but we made a decision to try and have some life in Poland, again no one said it would be easy here, certainly there are few things which coming exactly hard but this is shaping a character too. We are very lucky, we had money to begin with, I have a job I can do from home, missus is trying different things but sooner or later she will find what she likes and she will certainly follow this route. I like Poland as a country, weather is easy to predict which I couldn't say about UK, there were days here I was actually missing the rain!!! How weird that was! I think it's a fantastic opportunity for a child to be here too hence why we want to try some good school here, life is much slower here than in London, you can take a breath here, you can have enough time to rethink on what you want to do etc...

Study / Primary school education for children (PRIVATE) [14]

I would love to have an opinion straight from parent who has child in that sort of school in Poland, I know there is a local school in our little town, I believe there is a monthly fee of 350pln which sounds low but I have no idea about level of education in that school, ok they are advertising it nicely, etc etc but actual comments from parents would be better of.

What is important in my opinion:
- small classes so kids can pay more attention to what is happening
- good teachers, you are paying more for school so perhaps money goes into some motivated teachers who should be the best
- school need to teach kids how to think, they need to have debates so everyone can say their own opinion not like here is a book, author was fantastic, etc maybe he was not fantastic at all but he clearly did something to be mentioned, etc

- I don't mind paying more for school, end of the day you are saving loads of money on private tuitions that way and they would be needed at some point, probably not as early as in primary education but possibly in college?

- I don't expect these schools to be filled with "rich kids", it's not like Harrow in UK where you pay including all of the extra interests your kids may have in a region of 25-30k GBP, this type of school is probably affordable to most of parents...

Obviously every parent wants the best for their kids, I don't know who she will become later in life but at least I will try to show her some possibilities and will support her if she will choose something which won't be paid as well as other opportunities, in the end she needs to be happy and enjoy what she is doing. Again I would love to know on how schools in Poland teach, maybe all schools has same materials like private schools, not sure, hence I asked. I want to avoid situation in future when we need to take her to different school or country if we think that school is not preparing our child for life... I know there is a parent job to do and we will cover that end of stick, however there is another end which needs to be fullfilled by school...

Life / What don't you like about Poland or Polish People? [117]

Hey Dolnoslask,

Stalkers? Really, need to watch out for these.. Or maybe just virtual ones...

Life / What don't you like about Poland or Polish People? [117]

Hi Ktos,

I do agree with your last sentence, Poles are usually obsessed and fascinated with western world, they used to be super obsessed with US, but even working in US don't give you any good money, after you deduct all expenses there (with average lifestyle) you will be left with some pocket money to maybe cover your holidays on Cuba or Dominican Republic... As someone said in past, people who traveled and worked in US back in 70/80's even 90's made a little fortune, nowadays there is nothing really special about western world. If I would be going somewhere in future I would probably pick places like Uruguay in South America, they seems to be safe ( I know you can be shot on the road but this can happen everywhere now), and it's quite warm place to, with really friendly people...

Life / What don't you like about Poland or Polish People? [117]

Very interesting discussion,

A few pennies from me:

The food - There is actually a variety of food in Poland but i think it's not really healthy, it could be nice but after some time you will get bored, you mainly have potatoes, klucki slaskie (these I like), pierogi, pyzy, leniwe etc etc, so the whole range of the same thing which taste similar but looks different. The food in general is ok but long term you will have enough of it. I have some frozen seafood, indian sauces and rice in case I would badly need something new. I must say that pizza in Poland is quite nice, again not in every place, as some are rough but generally is ok.

Closed mindedness/education/attitude - I don't know how they teach in schools these days but most Poles I know who (30-40 years old) and are educated, have magister etc cannot make right decisions, this is why school didn't teach them how to think (so not their fault really), you will learn some poems etc but you would not have opened discussions in the room so you won't be able to use your creative mind. (again I don't know about education currently - this might be changed now)

Immigrant attitude - I believe this is non important matter, you have nice Polish people in US, UK, Australia etc, who knows what their goal is, who work hard, who are well educated and well mannered, same goes for other nations, you also have some con artist type of people who aspire to be "successful in different country", and they do anything to increase their position on how they are seen by others and how much money they can save (there won't make any success in a long run as they don't have any ideas on how to deal with money and how to invest or spend it correctly, finally there is this third type of people - a morons - these people destroy what they see, they don't care about anything and they are very bad tempered. Once when I've been in Krakow I have seen some English lads showing off, they were screaming and swearing (in Polish) but talking to each other in English, they could go to third "morons" class.

From what I observed Poland is still behind the western world, I guess this is a good thing as well as a bad thing, depends how they will use it. They should observe of what is going on and see moral consequences of any action politics take in "western Europe", then perhaps take all the best from it and ditch all of the bad things...

Back to subject on what I like and don't like about Poland and Polish people - mainly a business culture is way behind of what we have back in UK. Few examples from last couple of weeks:

- I have some faulty locks in my bus, so we called few local locksmiths and they simply cannot be bothered to look at those... They want me to remove the lock bring it to them and be ready "they will look at it when they find time" - again I don't know these people and this is not favor they doing to me, it's their job.

- I have 4x bikes, I called 2x people who are fixing bikes and dealing with them, one said he can sell me a new bike (even if my bikes are "new" - the oldest one is from 2012), second was the best, I have explained on what needs to be done, basically service on all bikes, see if pedals are solid, check brakes etc, one bike needs new tubes and they are taking cash only for repairs so a logical question of me was: how much this will cost me, roughly so I can get the cash out for you, his reply was -Nie jestem wrozka, niewiem - nice and professional... Good luck with that attitude...

- probably very common - I hate shopping at Kaufland or Carrefour, I used to shop in Piotr i Pawel (at least everything was nice and fresh there) but I actually stopped shopping at all. My wife is sorting out shopping or we take deliveries from Piotr i Pawel, people in these shops are quite rude, even on a till, they are very pretensional and they are acting like everyone is their enemy, of course this is not 100% of shop workers, but I do talk about 60-70% enough to make me quit the shopping :)

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Thanks for that, this would be useful, do you mean 20K per month or as just one off? This seems to be small figure... What would be best for us? Renting?

Have you seen my annual budget for "life", is that small, average or high? My worry is that we don't manage money properly here, specially when I read time to time that some people earn in region of 2k per month, if we both will work and earn 2K per month, we wouldn't make it, unless there is a problem in spending, we buy quality food, fruits etc but I wouldn't call it extraordinary, this seems to be regular stuff, car, life insurances, we have our accountant who is an agents as well and I was comparing prices to Internet ones and he seems to be even cheaper so I'm sure we are looked after on that. We don't go out much nowadays, we used to go out all the time back in UK, There is not much really... But all adds up. My worry is that one day I would have to make this nasty decision and leave my family and go back to UK or different country to get new contracts etc, people need credibility, you need to see people face to face, otherwise some people are stoping being loyal and they are searching for new options... Really scared what future holds...

Bus update - it started to work, it doesn't bring fantastic figures but if that stay the way it is every month it will be worth keeping it on... We will see, probably I was in a hurry and wanted to call it a day but actually something is moving forward so let see how long that will last...

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Thank you Dolnoslask,

Of course this is not the last venture for me, In fact it's a first Polish venture so far, many others to come, my target now is to get out as much money as I can from it, buying this bus there was so many things I had to fix, there was problems with rust, electric stuff, TVs didn't worked, some lights didn't worked, I had to purchase two new batteries, all tyres, etc etc I spent quite a lot bringing it to the A condition, for me safety, mechanics and look of it it's a priority, I don't like trying to save money on important things, I also understand that there are other people who need to make money so I made sure these people were busy... Anyhow it's a time for changing few things... A question for you, what do you do and how long you are here for? I'm keep telling myself that I'm still a new blood here...

I hope everyone is well,

Was quite busy with current stuff, looks like another bunch of problems to be dealt with soon, my biggest client will be moving to someone else, well good luck for him, I'm curious if someone else would be able to work crazy hours as I did, anyhow good luck to him, I hope he will not have to deal with dissapoitments etc. That would means that in max 2-3 months I will have some additional time which can be spent on some venture, this time for me. With bus company (my wife's business) had some calls recently, it's not fantastic but it should make some profit so I hope that will actually start moving, Spring, Summer and Autumn should be good for this kind of work, otherwise it will have to be sold. We will see. Nursery idea (also for wife), it's a fantastic idea looks like this would be a pricey investment as Chrzanow is willing to pay you some money per child you have so basically you need to get a building- buy or rent, buy furniture, employ staff etc, I reckon this could be easily in a region of 300-500K PLN, wife also said she wants something for 6-10kids, this is not going to work for 6-10kids, you need at least 20x if you want to cover expenses and see some little profits after all. I'm recently having some worries about Brexit too, I think this is very likely to happen and I have no clue on how this can affect us, biggest worry is double tax, as if you are out of UK you need to pay tax on both places. So I must say recently I had to deal with some troubles, how funny - bad things are always happening when you are not expecting them. Anyhow I'm trying to see the bright side of it. I will have more time to play with, I have no friends here, just purchased a bike (quite good price for a new bike)- very cheap -1700 and will do the job perfectly for me, it's a Crosstrail bike and these are good for me. Will also try to play golf regularly, probably go on holidays, last time we've been somewhere not for business was back on our honeymoon-2011!!! Then I will be trying to do some business in Poland, I'm thinking of doing a site for collectors of luxury goods, wine, watches, retro cars. Not sure how big is the market in Poland for these things but this would be more as a hobby and way to link with people of similar interest. Also I would need to redo our budget. How much you are spending per year on all expenses in Poland - insurance, bills, food, going out, hobby etc. For three of us (no mortgage as house is paid off, we have two cars, where one is going to be registered tomorrow, no debts, no credit cards etc) we spend about 70K per year, this will cover everything including holidays (once per year), occasional, small trips etc etc, is that a lot? This doesn't include all my expenses back in UK, have one employee back there, occasional trips to UK, etc etc. I'm really curious if we spent ok or far too much.

Cheers to Everyone !!!

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Ha, that would obviously explain the success in that sort of business, I can tell you now that if I will borrow let say 1bn and buy X amount of buses, all will be sitting and doing nothing, could setup a museum of modern bus transport!!! In that sort of business it doesn't matter how much money you have. In that case de facto more you invest more you waste... I have 100% respect to anyone who made a success in Poland. Was actually talking to wife today about that bus and yes it will be up for sale late May, at least we will try not to lose much on it. Another day when no one called.

Law / Is it possible to get an MOT on a RHD car in Poland? [28]

Merged: Registration of RHD car in Poland

Hello Everyone,

Im not sure how to touch this subject but one of our cars which I barely use (rhd car) is still on UK plates, I have that car for ages but I want this to be converted to Polish plates and I want the car to be under my wife name. I don't worry about polish MOT as car had converted headlights and mirrors and it will pass polish MOT with no problem, I also don't worry about insurance. What I worry about is that car currently have my name on it, polish law states that you cannot sell anything to your wife so not sure on how to do that. I don't want to cut any corners here, I'm more than happy to pay a tax on that car etc, I have a document which show how much I bought it for, I will do translations etc, my only problem is how to get it registered under my wife's name??? I only kept this particular car as its really nice to drive, convertible, and has really low mileage plus everything was always changed on time, it's old - 02reg but has fantastic condition, I would say it's better condition than our 14 reg LHD car! I just like it so I want to keep it, at the moment it's in my mums house back in UK but I want to take it here...

Thanks a lot for your input

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Polishinvestor,

Thanks for that, I didn't know... Hmmm that is very interesting. Will be opening a new post soon as I need advice on my UK registered car

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Polishinvestor,

This is correct, I have approached pretty much everyone who is around, sent emails to all schools, churches, funeral places, travel agents, etc, visited all of them within 15km radius, done Google Adwords, Facebook adverts, wedding online portals: slubeo and czymdoslubu, have also done olx, gumtree, zolty jez and przelom so tbh all is left is to wait. As I said before I will give it a time till May/June, I have to anyway as you cannot sell vehicle within 6months of purchase otherwise you pay tax on top of it:) so I'm stuck with it and while I'm stuck I'm trying to make most of it.

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Thanks for that, I will need to see what the cost would be also need to check the market, sometimes there is less people who may want a small bus rather than this one, also there is a factor of 300km each way so for us it's 600km on top of anything, I'm sure that if I take this and time to account I would be more expensive than the locals...

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Dolnoslask,

I like that idea but I don't speak any German, do they speak German, I think this may work actually, we are around 300km from the border, it's Chrzanow which is between Krakow and Katowitze

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Dolnoslask,

This idea could be good but certainly not for this case:
- our driver is my father in law, he charge us per every trip he make so, he is 64 so I cannot imagine him running constantly, someone else will cost us much more money, people as drivers wants at least 3.5-4.5k per month

- bus itself is very economic but it has 3.9l engine and 100BHP, this is nothing, it's not powerful enough for such a long trips hence why I'm planning to run it in Poland, maybe with occasional trips to Czech Republic or Slovakia, going to UK would also cost me more in terms of insurance and risk

- this bus has two pair of doors and they are quite narrow, OK passengers can get in/out without any problems but unfortunately there is no way I know about it to convert doors to make it for a full load for other stuff like furniture, it has windows as well so any equipment, furniture etc can damage the Windows...

- current situation with migrants going and ripping everything out of the trucks, putting other people in life danger and financial responsibilities if you happen to take some of them to the other side even if you don't know they are there...

- truck would be much cheaper and newer than bus itself, it will also have powerful enough engine but also will require different type of license, we have a license for passenger transport not for goods...

Unfortunately there is too many cons, it is just not feasible but thank you so much for suggestion.

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi There,

The main problem with buses and local firms is that they don't want to spend 100k+ for a second hand bus which is up to 10years old, you will still need to pay for some maintenance on it, I had to take it as it had some places with visible rust!!! Fortunately I spent around 6k to fix that up and it's nice now and I know what I have. Usually these people have limited budget which is 20-40k for a bus, they also buy 40+ seaters as they are cheaper (for like to like, if you compare same brand, year etc) but fuel consumption on the big ones is completely pointless. Customers have troubles understanding that this is a huge difference between a bus and another bus. They are not exactly cheap. My plan was to run that for up to 5 years and if that would work well I would maybe in 3-5years buy brand new one in some lease plan and keep this, old one as a spare or for local, short runs only. Anyhow now I have different perspective, no phone calls today, will see how it will be tomorrow. Polish market is difficult.

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Delphiandomine,

Excellent, looks like you know that stuff very well, and it looks like you also love it and do it with a passion. How long do you live in Poland?

Update about the wife - she come back from galeria an hour ago, the little one was playing with kids on the playground (all Galleries in Poland have that sort of stuff now), little one supposed to go sleep but she didn't.. So not much time to follow up stuff, argh, anyway I hope she will find some time soon, as there is silence in regards to bus business, was one phone call tomorrow but they wanted a bus in white colour not blue :), today nothing at all.

Yes I can see that, very good marketing indeed, very aggressive and controversial but must work well. I have an experience on that market for over 15 years I must say... I can tell you that once these hosting companies have enough money to play with they cut down everything - they got call centres in India, they don't deal with requests and problems, they don't invest, they become unreliable, take arvixe for instance, few years ago that was number one, nowadays it's the worst one. My plan is to get descent equipment as I know this is important and migrate servers every year, that way customers always would be satisfied and I don't have a high failure rate, other stuff to mention - I don't want to go big, there would be quality over quantity so almost opposite what others do, I cannot be bothered with any cheap packages either as they will not pay for the bills, my plan is to have it as dedicated servers option only, you basically rent the server and IP address for it, I run it for you and that is it. I'm checking dedicated option plan on hosting you are using, 399 dollars for 2x Xeon Hex Core E5-2650v2 2.0 GHz, 16gb Ram, 1tb SATA, specs are not impressive and I cannot see any RAID option (security), my plan will have Quad core processors, 16GB of RAM or more if someone requires, 4x 1TB SSD SATA in RAID 5, RAID 6 or RAID 10 configuration, I would be more expensive as well. Probably would be looking at £600 pm and contract for 24 months minimum. ANyway this don't need to be attractive, it need to be stable and done correctly, I'm also looking to have up to 8x customers which I can manage, I don't want to go nuts, it must be enough money to pay for all overheads etc, and keep it running, I won't be even doing any advertising for that

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Thanks a lot delpiandomine,

So we are basically need to prepare for opening in September... What do you do for living?

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Thanks a lot, this would be much easier!

Hi delphiandomine,

You have mentioned that we should open that business this year, what would you think would be the latest we can do such a thing? Do you have a nursery yourself?

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Polishinvestor,

I was making some money on side while I was in UK and this was renting out, I have rented couple of rooms in my own house and also renting another 5 bedroom house through agency and I was able to make enough profit renting it as individual rooms, there was of course more hassle doing that but interest was massive. I would probably continue doing that if I will be still living in UK, the idea here is to have my wife busy, I like nursery idea the most but we need to do a lot of research (this should not take long at all), seems also very attractive to wife who will be occupied, she stated that she needs to be busy, because we paying ZUS already I believe this would be only a matter of adding new profession to your business. Renting and money investing is another part of the project Poland, as I mentioned before I don't have much time during the day, saying that I'm sitting on PF, at the moment I have a little less work but this is changing daily. I would like to have my eggs in separate baskets so that way all is safe. I will be also starting a little hosting company this year, I have all what is needed to do so, including knowledge and equipment, I do have some of customers in UK already so it would be easy and straight forward migrating them. This should be a solid way of a income as well.

Plan is to do as much as possible before we both 40, then we can say we have a life under control, I think we are on a good path.

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi delphiandomine,

I will PM you shortly :) thanks a lot for what you did so far.

Hi Porky pok,

Thanks so much for your input here, I will look at these options, I think this would be fantastic opportunity in year or so, I need to see if UK will stay in EU, otherwise I might be subject to double tax as at the moment I'm paying tax in UK (you cannot pay same tax in both places) but once UK leave UK this could be difficult...

Need to see my options really

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Delphiandomine,

I cannot agree more, our little one is 16months old but she love other kids, we need to go with her to playrooms in gallery centres, she just love to play with kids, I know that wife is going tomorrow to one of them :) I think this idea is really nice and also have positive vibes, you doing something which is nice, also a great way to meet new people (parents) and be part of upbringing for children. Again I can help my wife financially, with the website, marketing, advertising etc... She can do the rest. I cannot wait till tomorrow to ask her opinion. This way we can keep that bus as I mentioned before so we don't need to do much planning when organising some outdoor events. I need to check if small conversion of our house will do the job but certainly it should and this shouldn't cost much at all, there is also a little building on the same land which is used to keep garden equipment but it does look like a small one story house, around 40m2 but this can be converted into some sleeping area or maybe a fun area, so many ideas going through my head, can teach kids on how to play tennis, cricket, can organise ballet or piano lessons, organise English classes with songs, karaoke etc, kids can have really nice time, also even if that would be for 20x kids this perhaps can be charged 400pm, that is 8K available, I read somewhere that you don't even need to register it as a company? How exactly that works? Do you still pay that ZUS thing, I have translated that text but to be honest didn't get that bit: biznes.gov.pl/poradnik/-/scenariusz/32-OTWIERAM_PRZEDSZKOLE_LUB_PUNKT_PRZEDSZKOLNY

Once again thank you for the tip, I must explore it even more

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Delphiandomine,

Thank you very much, it sounds like you done so much work for me already, This would be ideal and I'm even thinking if we can perhaps use some space in our house for that, we have 3 story house and we only occupy two top floors, the basement is completely free, it's around 110m2, that has got also separate entrance, at the moment we have there my office (but I can move upstairs), gym (which isn't used much), utility room, and two other rooms, I think this could be converted within a month max, we also have camera recording entrance gate and security subscription so it's safe for kids, also there is a big garden and I can buy some stuff for kids so they can play around etc... Would you think that would be possible at all? When opening nursery I can keep the bus so can organise loads of trips, to zoo, theatre, cinema etc... If that will work out I can build extension to the house (even another 50m2), I'm future I can build something on other land we have (it's close to forest, beautiful area), alternatively can purchase small house and convert it. Would you think that all could be possible? Looks like it will be busy morning tomorrow! Once again I would like to thank you for the idea, ideally I would like to meet you and Polishinvestor (you both helped me a lot) and I would like to take you for a lunch. I'm sure one day this could be possible.

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Polishinvestor,

I know that UK seems safe but there are still middle man prices such as agency fees and insurance which indeed can be really expensive. Also mortgage these days are not that great as I used to get before, I was 21 when I purchased my first 4bed house and I had some money on top to do roof extension and convert it to 5bedroom. I was able to rent out couple of rooms to students (friends of mine at that time) and pay that off within 7 years, not sure if that would be possible these days... Back then, when I was 21 my earnings were around 25K so there was nothing major at all! Again these days with a wage even of 35K and 10-20% deposit I don't think you can get a good deal... It might be actually worth to wait 5-10years and buy property there for cash, that way insurance will be cheaper ( for some reason properties under mortgage has tendency to be costly when insuring), also will not pay % for mortgage so there would be only agency fee and tax to be dealt with, that would be ok but for now I would really like to see cogs moving on Polish market.

Hi Polishinvestor,

Didn't know how the pension scheme work in Poland but this seems to be beyond the measure, I believe that everyone deserve to leave this world with full respect and let say smile on face. What you described it sounds like an nightmare, I feel so sorry for all of these people who worked hard for entire life, earned some rubbish money and have nothing to live for. Horrible scene which I cannot even imagine in my head.

With nursery I think idea is fantastic, I'm not sure on how much we would need to invest in such business but this sounds like something which my wife would enjoy, end of the day kids are our future, we are not worth much without them and who don't believe that will find out about that later in life... I would love to read about that sort of business in Poland, what courses she needs to do etc. Again we are not greedy and we want something which hopefully can be converted into family business which would be then take over by our kids in future (if they want). Another friend of mine back in UK has international school and she also has nursery, I know she is making a pretty penny out of it, few years ago she was charging around £600 per child per month so that was profitable. Certainly I shall research that market.

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Dolnoslask,

I fully agree with you, I have 100% respect for anyone who succeeded in Poland, this isn't an easy market, I must say that UK is much easier, when I was in my early 20's I was able to setup carwash business back in UK, used to "rent" 4 local car parks and have Polish people working for me, everyone was happy back then until loads of Romanians and Bulgarians come around and swallowed entire market, then it stopped to be profitable. This is only one example. Here to do something you must have loads of money, make sure you pay for all of these ZUS, accountants, and other professional before you even start, I was under the shock when we received the letter that we need to pay some transport tax which was 2.2K per year, this is before you make any money :)

In terms of bus, if anyone needs it I'm more than happy to do some deal, I will need to ask wife and father in law first to see if it is available (there is two more drives this months where one is 3days long)

Picture of the bus included

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Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Dephiandomine,

This sounds really nice, she just went with a little to the bedroom so I will talk to her about that tomorrow :) I really like that idea, I must do some research, do you know on what sort of investment we are talking about? Friend of mine have few nursuries for elderly people back in UK and he makes really healthy profit on that, to do that properly in Poland, you need proper stuff, building etc, you will be lucky to close within 4M PLN in the first year. I would love to hear more about nursery for children, this sounds really nice.

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi dolnoslask,

I was indeed thinking to do that but with mortgage as otherwise I would not see the return of investment for decades! My only concern is third party fees such as agency fees( my mum cannot look after it so agency seems to be only sensible option) also insurance on renting did go up a lot, places I consider are Kingston upon Thames and Surbiton, I know the area quite well and these are very popular places for students. What I ideally like to see is some return after maximum of one year from investing money... I had looked at sites like finansowo.pl and kaktus.pl this seems to be ok if you want to try and play with up to 5K PLN, that way you can consider your iTunes purchases and online subscription for Money Week sorted so some of the entertainment can be paid off, it's a good start and fun... However I'm thinking about some more serious investments, ideally into some business ventures as these only can bring you more profits, there is more risk thought, as I discovered with bus business, but wheels are moving, it did made some money, not enough as monthly profit seems to be in a region of about 430 PLN after petrol, driver, ZUS and insurance is paid off. Of course any failure will cost probably about 1k- anything but we don't know...

Law / Business in Poland and Polish reality, How are you doing in Poland? [82]

Hi Grzegorz_

I won't lie, I'm interested in any options which could be profitable here in Poland, I would like to have some sort of investment where I don't need to constantly stress and stretch myself, I don't want to spend much of my time either (not at present and not too much), however my wife has some time during the day available and she can invest that time wisely. Ideally something which can be done while at home and what will bring her let's call it minimum Polish wage to start with... My main problem here is knowledge and experience in Polish market... I'm hoping to pick it up soon. At the moment I have days where I think whole idea of making a move here was a huge mistake but other days I think fairly positive about it and I can see bright side... I'm really not sure of my feelings, but trust me I don't have huge expectations. I rather build something up for future or "rainy days", I don't want to rely on any money saved back in UK or any to do with heritage, this would be only touched when my daughter (or kids if we will have more) would be an adult and once it won't be to young to lose all of it (we all did silly things when we were young, I know these things are unavoidable but at least when the right age come it all will be fine, or shall I say should be fine, nothing is certain) :)

Thank you so much guys for your comments :)