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Posts by peterweg  

Joined: 16 Feb 2007 / Male ♂ 		Last Post: 19 Jun 2020
Threads: Total: 37 / In This Archive: 22
Posts: Total: 2305 / In This Archive: 1651 		From: London, Battersea, Krakow.
Speaks Polish?: no
Interests: Motorbikes, Skiing

Displayed posts: 1673 / page 22 of 56
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peterweg   
30 Jun 2012
Language / Learn Polish or Russian [86]

Thank heavens that we think differently over here - all the (many) Polish kids in my school spoke Polish.

My father never taught me a single word of Polish . He said it was completely useless and I wouldn't teach my kids to speak it in any case.

Ironic give that I'm now back in Poland and expecting a baby which will speak Polish.

Also another sign of how much of a cunt my father was.
peterweg   
29 Jun 2012
Life / Is Poland a poor country? [578]

Never going to happen is it? always a good percent too lazy or stupid to study.

As I said, minimal wage competing against third world on muscle power is about as good as it gets.
peterweg   
29 Jun 2012
Law / Polish Property Bought with Francs - Help [8]

.the swiss franc went up and you have to pay back in swiss francs

No they don't.

As they are UK based they can opt for bankruptcy and probably walk away from the debt. At their stage in life this won't have any comeback - unless they come across wealth in future.
peterweg   
28 Jun 2012
Life / Is Poland a poor country? [578]

You quit university? Then you have made a catastrophic mistake and have a life time of poverty to look forwards to,

delphiandomine talks a lot of **** about 'working harder'. This is rubbish, you get money by working smarter - which is possible if you are educated.

There is no place in the world for the uneducated - except for minimum wage work slaves.
peterweg   
27 Jun 2012
Law / Virtual Polish Mobile Number [12]

Why would you want one?

Criminal activity.

Skype will give you a phone number of your choice. I have a Californian number, for instance.
peterweg   
27 Jun 2012
USA, Canada / Golota facing deportation back to Poland [30]

He's a freaking criminal and doesn't deserve to be our countryman.

He has a attitude towards the law that probably indicate serious criminal activity. The US attitude towards this is correct, deport non-citizens for petty crimes.
peterweg   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

Whats wrong with straw and a tin roof? not usual for Poland and dirt cheap. Six new windows - less than 10k. My house is 30km from Krakow, PiL's house less than that from several medium sized cities. My house/farm has new windows and roof.

I don't see what that has got to do with it though, you never mentioned anything about location, size or condition.

Polish banks have around CHF44.2 billion of Swiss franc-denominated mortgages on their books - around 19% of their total loan portfolio and 29% of loans to households.

About half of Polish household loans are denominated in francs, as during the global credit boom the Swiss currency was relatively cheap and easy to obtain. During the global financial crisis the zloty has dropped 44% against the franc, making mortgage payments more expensive for Poles.

CHF44.2 billion = 154bilion PLN.

So Polands total outstanding mortgage debt (CHF and others) is about 310Billion PLN. About 7,7K per person and 30k pln debt per family on average.
peterweg   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

But as they say, "it's grim up north" ;)

No, they say southerners are stupid cunts who can **** off and live in their ****** little boxes that cost a fortune :)

show me a 5 bedroom house in the arse of nowhere in Polans that a Pole could buy on minimum wage?? in fact show me a one bedroom apartment??

Foreigners can buy apartments which distort the market.

But a two persons minimum wage is 36k per year. At 4x thats a 144k mortgage, at 5x its 180k.

There is property available for far less than that in the countryside. I told you my parents paid 70k for a house+ workshop with 1ha for 70k, I paid 175k for a farm, barn and 2.8 ha.

Minimum wage is rising to 6% next year to 38.4k. So buying on a minimum wage is conceivable, especially as parents/family are very likely to have money to lend for a deposit.
peterweg   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

In Poland, just like everywhere else - it's the middle classes that buy property. The working classes in the UK only managed because of the right-to-buy - if ti wasn't for that, most of them would still be renting from the State.

In Northern England the working classes could afford to buy and did, long before right to buy. Different in the south, but that is why people live 'up North'.

As a anecdote, a friend is a just qualified Nurse and has a husband who is a window saleman/installer. they have just bough their first property for 250k (50m) in the outskirts of Krakow. Deposit (50K) came from money given at the wedding.
peterweg   
27 Jun 2012
News / Poland's Economy Is Booming! The EU's Success Story? [711]

They may not be in a position to dictate anything:-

Costs of Crash for Germany Could Be More than €500 Billion

True. Everyone assumes Germany is invincible, its far from it and is screwed by the Euro even if it leaves it.

Russia? Maybe the crooks at the top of the food chain over there, but not the general population.

Don't know about that.Wages are quite high.

Ever been put off buying property in emerging markets because of a lack of market transparency? Well, it may be time to think again.

EM countries such as Turkey, until recently plagued by uncertainty, have made huge strides in real estate transparency, according to the latest biannual survey by Jones Lang Lasalle, an international real estate agent.

Tranparency of Real Estate

Shows Poland is the same level as Germany, Denmark, Ireland, Norway and Spain (Oh, *****, are they mad?)
peterweg   
26 Jun 2012
Language / Should I just learn German? [55]

You may have been born in Poland, but you are more American than you think - you forgot Canada!

So one more country where French would be more useful than German. There is also Belguim, Luxembourg (sort of..), Caribbean countries. German is useless outside German and a bit of Switzerland.
peterweg   
25 Jun 2012
Love / Is it acceptable for a Polish male to have a German girlfriend? [58]

he look like hamilton

And you, of course. Although the last Neanderthals were in Spain, there is a surprise.

No Peterweg, you get it all wrong.

That image is completely wrong. Modern humans left Africa 80,000 years ago and ALL modern humans descend from them.

But you know that, scumbag.
peterweg   
24 Jun 2012
Love / Is it acceptable for a Polish male to have a German girlfriend? [58]

Poland has had a continuous human and humanoid occupation for at least 800,000 years.

800,000 years ago, man looked like this

He lived in African. Like ALL modern humans

This is probably what the first Pole looked like, when man moved out of Africa, around 100,000 years ago

Out of Africa man

That fit your stupid racial purity theories?
peterweg   
22 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

I don't really get this constant comparison you all are making about how many times your salary houses are.

Its an international standard for comparison of affordability. Most countries don't have much regional variations in other costs and those costs are often reflected in the wage multiples and wages.

Average Car Loan interest Rate - Homeowner loan borrowing 20,000 (GBP & Zloty) over 5 years

Thats a interest rate of 8% in the UK, and 31% in Poland. I got 14% in Poland without shopping around,, at that figure the monthly payment is 465pln, Total amount you repay 27900pln
peterweg   
22 Jun 2012
Language / Should I just learn German? [55]

I'd learn French rather than German.
Germans use English for business and are very good at it. The French don't like using English so learning the language would enhance your employment prospects - in French speaking countries.
peterweg   
22 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

50% maybe. 200%, no chance.

And check the date, 2007 was peak, prices then fell 20% so a 50% climb from 2008 is a very different prospect.
peterweg   
22 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

usually they overvalue in the hope of securing the business....

Yup, bullshit or plain wrong. You don't get property tripling in value from the peak of the market in 2007. Even in PCL prices haven't risen more than a few tens of percent over the peak.
peterweg   
21 Jun 2012
Life / Is Poland a poor country? [578]

59th richest, in fact.

??

21st, 22nd depending on source

en.wikipedia.org/wiki/List_of_countries_by_GDP_%28nominal%29
peterweg   
20 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

but who is polishing off their mortgage in 10 years....or 5 for that matter?

Thats the maximum time span for a fix you can get. Not many people sign up for that long.

Houses owned within the city limits or suburbs are owned by those who make more than average.

I don't think prices have anything to do with how much people earn as they didn't really pay for them in the first place
peterweg   
20 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

No point. If you want to go on about China or Dubai. I only know the market in Poland. I am not an expert on the rest of the world.

The world includes Poland and property development has the same fundamental principle world wide.

One of those is the property developers like to claim 'but its different here/this time'. It isn't, ever.
peterweg   
20 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

yet NEW UK mortgages are around 6-7%. There are deals to be had but these involve higher payments and are for a fixed period,

Thats miles out. 6-7% is not normal in the UK

SVR is around 4-5%
thisismoney.co.uk/money/mortgageshome/article-2111160/As-lenders-hike-SVR-mortgage-rates-time-bale-out.html

Discounts for fixed periods knock this back to around 3%

You can get a 10 year fix for 5.1%

britannia.co.uk/_site/channels/mortgage/products/10yr-fixed.html

or 5 years at 4.7%
britannia.co.uk/_site/channels/mortgage/products/10yr-fixed.html

The average four-bedroomed house

Isn't an average house and that figure isn't an average wage or an average wage for the area,