News / How will BREXIT affect the immigrants in UK and Poland. [1114]

I dont see how its looking less likely. Both leading conservative candidates have clearly stated brexit means brexit, the main differences between may and leadsom being the former would prefer to wait until the start of next year in triggering article 50, using the time to get a headstart in negotiating trade agreements with the EU, while leadsom would invoke 50 a lot quicker. May has stated their will be no general election until 2020 under her watch. Its quite possible there may be one announced in a year or two if she believes she can win it, but as of now nothing is clear and it would be foolhardy to assume one can win when its not clear who you will up against (labour and ukip leaderships up for grabs). Dont forget there is a lot of negotiating to do, not just with the EU. Youve had Japan Mexico, South Korea and others announcing they want to arrange free trade agreements with the UK and it will take a lot of man power to get through all of these talks. In the UK political sphere there arent too many experts in trade negotiations, as its been done on an EU level in large part, so its going to take time to gather a large enough, strong enough team to take on such a large task. So the fact that 50 isnt being triggered immediately makes a lot of sense, since once it is, you have 2 years with the EU.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


Yes just like that. Millions already have. Not up with current events are you.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


According to Mr Schultz, the president of the European Parliament, it can. But Im sure you already know this.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


Its the unique nature of the NHS. Free british healthcare, the envy of all. Anywhere else you have to pay a bundle and the service is not really better. The UK could easily start taking extra contributions, but the core wants to keep it free, thus accessible to all UK citizens.


As opposed to the Polish system of having to pay throught the nose and get next to useless service unless backed up with a bribe! Its no Ponzi scheme, again you misunderstand, its the concept of providing healthcare to all.


The EU is in charge. EU citizens are entitled to the same benefits as UK citizens. No arguments no buts. Recently Cameron claimed he has secured some concessions if Britain votes stay, but all of these can be reversed by the european courts at any time.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

You dont seem to understand what I said. Dont know if you have a grasp of english. I dont blame people for being ill or refering immigrants are more likely to get ill. If you increase the population, a percentage of those are going to get sick/ill, just like the rest of the population. What Im saying is basically an increase in population increases the strain on the NHS. Not particularly because immigrants are likely to get sick more or not. And because a larger percentage of those coming in are ending up on benefits, taxes arent going up at the same rate as the population and this affects all manner of government services. The majority of brexit immigration views is that there should be a control on the immigration level, not ban it it entirely. And a control on who can get benefits. I think its entirely fair that a foreigner is expected to work for a few years before getting employment benefit and a couple of years for in work benefits. Healthcare should be available from day one for those working. I dont think the majority of brexit campaigners want anything else. Of course youll have a small minority, but thats always the case.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


My figure includes those that arrived more than five years ago and now have citizenship. The number you are quoting is those that fall into the foreign national only category and also dont include those unregistered.

Law / Can a UK company earn in PLN? Foreign currency and mortgage in Poland. [22]


Thats fair enough for a sore tooth or other minor complaints. But if you are seriously injured and end up in hospital you might find a huge bill waiting for you when you leave hospital. If you are living in Poland you have to pay medical insurance ZUS either by way of self employment or through your employer, or a mix of the two. If you are not employed, you are expected to sign on. You can pay just the medical part of the ZUS and you will be covered but sooner or later you will have to declare where you got the money from to pay for it. And if thats from UK earnings, you will be taxed on them since you are or plan to be a tax resident. Keep in mind fines on undeclared and untaxed income can be up to 75%. The best thing to do would be to go straight to the urzad skarbowy in the area where you are planning to live and explain the situation. Go with someone polish speaking if you dont speak Polish well enough. Any questions you have they will be able to answer. They actually appreciate someone trying to do things within the law and more than likely you will get your answers within an hour. Prepare for a lot of questions from the staff out of interest on why you are moving to Poland when everyone else is going the other way. Its harmless and it builds up a rapport.

Re the mortgage, you are going to need some PLN earnings. Try a mortgage broker, they should be able to tell you straight away if anyone is interested and will save you a lot of time running around banks which will only negatively affect your credit rating anyway.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


There is a huge number. Irrespective, its the enlarging of the EU thats the problem. You are going to get even more to cope with and so resources are going to even more stretched. You can make inroads on the resources side by backing away a little from austerity, but if the numbers coming in keeping increasing fast than taxes/spending, then you still dont get anywhere with the problem.


I think there are about 3 million Poles in the UK, registered at least. Thats the larger by far than from any other country after the borders were opened. Most are working legally looking for a better life, or to earn enough to return home and build a life in Poland. But a lot of the most recent visitors, not just Poles, are just looking to milk the system. You even have gangs running scams collecting welfare for people not even in the country. But you can blame the people, its the fault of the government, even if its hands have been tied to a large degree by EU laws. With brexit this can begin to change. Nobody has a problem with people getting benefits that have put something into the system. Its the ones that expect to enter the UK with no intention to work and hit the benefits from day one.


Theres two sides to that. Those investing in property always like to see it increase in value. Those leaving home and starting on the housing ladders want to buy as cheap as possible. You cant satisfy both sides. Demand and supply governs the prices. London is a market in itself and is a bit of a safe haven for Russian and Chinese investors, so with supply limited, its always going to see strong support even after a wobble. The rest of the UK is governed more purely by demand and supply. People have been blaming buy to lets for driving up prices. But these people tend to be single home owners with a bit of capital to spare, looking to make a safe investment for their kids and in the meantime earn a bit of money on the rent. You cant blame people from trying to make their money work for them. The city has pretty much scared off the average John Smith, so Smithy has looked elsewhere and property in the UK has always been a winner in the long run. And the most important thing about it is people feel its not controlled by banks in the same way that the stockmarket might be.


Cheap labour keeps inflation down which supposedly keeps down the prices of average and everyday goods. But it means a clamp on wages, which in itself is part of the reason why people cant get on the housing ladder.


i think thats pretty much bs what youve said. Statistically people are going to have accidents/get ill. Such is life. So there is a strain and its only going to get worse with more immigrants on the way.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Nobody working will be kicked out. Even those without work wont be kicked out, it would be impossible to police. Those fresh entering will have a stay limit of some kind, maybe 6 months, during which they would need to have found a national insurance paying job and fixed abode. Very few of those campaigning brexit have suggested foreigners should be thrown out. It a question of getting a handle of those abusing the welfare system and those planning to arrive on the shores with the plan to abuse.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

The whole world wants a cheaper currency to promote growth. Thats why they have spent trillions printing money. But not all can have a lower currency at the same time given the nature of currency pairs. So its a fruitless business unless you can get it at a lower cost than your neighbour/competitor.

A mark down in the stockmarket but a greater fall in percentage terms in the pound hence a discount in relation to european markets given those are priced in euros. Foreign investors can enjoy the benefit of a fall in the pound and buy more pound priced assets for less than the equivalent euro priced assets.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Russias beef is with the US, even today Putin called out Europe as the US's b***h. The offer to remove sanctions is there he said, but he is waiting for Europe to do the same, though believes Europe will not, to appease the US, despite the loss of business its companies continue to face.


In a world of diminishing returns and the hunt for yield, the chance to buy at a 20% discount will not be passed up. UK markets may not fall that much, but the exchange rate will provide foreign investors a further discount. The price relative to european assets will be extremely low. The funny thing about it is the the ECB is spending trillions trying to devalue its euro, while the UK will manage to do it without spending a penny.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Smart investors backed out early and will buy back after the vote, whatever it may be. Sell high buy low and vice a versa. For what its worth if you get to buy the UK stockmarket at a sudden 20% discount to europe I know where investors and going to park their money. Because for corporations thats what its about, getting the best return for the lowest risk. The UK provides a different perspective to an otherwise blinkered EU core whose sole goal is to create a federal state which suits better the core than those at the periphery. Essentially the problem between the UK is always going to exist as one side wants further integration while the other side (UK) doesnt. It will continue to cause friction, better to let then EU get on with it and stop blaming the UK for holding up the integration.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Over 100bn has been pulled out of the UK this year, all the while the UK is still outperforming Europe in terms of growth, wages and inflation. If the pound is devalued a little, much of this money will return, given foreigners are then buying in at at even bigger discount.


Baseless rhetoric.

Another thing, the EU becomes less stable if the UK leaves. If you work in finance you should know that these days investors are chasing the safest places to park their money. The way the EU is going, its ready to impolde. Maybe the UK leaving will shake them into fair reform.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Short term it will be an upheaval for everyone, but in the medium term, it should kick start the EU big guns into changing their approach to the whole deal. If there is a Brexit and if they do not, theres a danger the whole Union will collapse. And in that case, anyone out of it (and in particular the euro) is going to be better off.

But lets hope any exit makes them see sense.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Mental illness is subjective. They try to, but you cant quantify if with tests and numbers. Its comes in shades. So where is the cut off. Its funny how often we are expected just to believe things that another person has told us.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

People have been conditioned to believe blind globalisation and integration is still the way forward.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


Thats your opinion. I put my money where my mouth is for 20 years in business, UK and Europe, and I say you are wrong. Majority of people living in the UK will benefit if the exit is handled even half correctly. Large corporations stand the most to lose on Brexit, thats why you have seen them fight the remain corner. Europe talks about further integration, but they have had the chance to make the EU equal and fair for all members, granting the same rights to all members. But they have not done this. So it is to be expected that various national parties and citizens are disgruntled and are looking to back away.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Face to face maybe, but most are ready to double cross each other and stab each other in the back to get ahead. Complete opposite to the Indian community and there mentally to help one another. Either way, these meetings at the club and weekly church visits are just an excuse for most to look at what others are wearing and gossip about those that arent present.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Twenty years ago the likes of Mair would have been locked up and kept away from the public and this would not have happened. A mix of too much political correctness and human rights (much brought on by the EU) is the cause of incidents like this. The everyones a winner society is too costly to run indefinitely.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

The third event was England beating Wales today, which means very likely that England will go through to the knockout stages and so the hooligans will not return to vote (likely majority brexit).

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Half of the US doesnt even know where the UK is, let alone understand the differences between the UK and Europe.
As for the shooting theres a danger it will draw the sympathy vote, certainly the markets have adjusted slightly to the event. The swing and momentum has been with the leave side until now. But the vote is still a week away, so still plenty of stories to swing the vote either side.

Life / 500zl banknote returns to Poland [10]

Most of the globe is going the opposite way. The 500 euro note is to be abolished as is the 50 pound note in the UK. However, in order to help criminals, the 500 zloty note is a good idea. I suppose Poles are still very cash orientated and do make large purchases using cash, not trusting the counterparty (hence za pobraniem deliveries and lack of cheques in banking system). But really the criminals will be popping champagne corks on hearing about this.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

23rd is a euro16 free zone! A lot will depend on the weather. Those claiming an understanding believe better weather will help the remains while poor weather and thus a poor turnout with help leaves.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

There has been a big swing in polls recently favouring leave by between a point and a few (JP Morgan avgs 1.4pt lead), but usually right before the vote you get a consolidation for the status quo. So while ahead, leave still need about another 5pts in the polls across the board to win the vote.

Risky assets such as cee bonds are being sold and money switched to deemed safer assets such as german bonds and treasuries. Its been suggested by some that UK leaving could spell the end for the UK. I wouldnt go that far, but it would put a stop to the uneven integration that they have been pursuing where some are more equal and have better privledges than others.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

The ruling conservatives are in large eurosceptics, have been since Thatcher, so that certainly wont be the case. Labour has been seen in the past to show a bit more love for europe but have been very quiet during this campaign. Corbyn, the leader, has been very subdued. Former leader and Prime Minister Gordon Brown was seen speaking recently, backing the remain side. The media jumped on this as a panic move by David Cameron. Two things here. Turning to a former foe smacks of panic. Secondly, why not bring in Corbyn? It appears either Corbyn wants an exit from europe, or its a ploy to win the next general election, whenever it may be. The conservatives are in danger of tearing themselves apart with big players arguing out Brexit. It could well be labour sees sense in saying nothing, backing neither side. But a lot of labour supporters are wondering what the party line is on europe as Corbyn is very leftist so not immediate clear.

Real Estate / Polish Bank - Mortgage in Foreign Currency [2]

Its going to be very difficult. Banks have got/will get burnt on foreign currency loans and are unwilling to provide them any more, thats the official line. But while the zloty is weak it makes no sense for any bank to give you a loan in eur or chf as there is maybe 20% upside for chf but a 50% downside on a 10 year time frame. Not a risk/reward ratio a bank can accept.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


We are talking about a referendum result here, not just views. Its an important distinction. Its would be the same as Trump winning the election and then Obama saying he will stand down but hand the reins to Clinton rather than him. These things dont happen in the UK, nor the US for that matter.

In Poland both sides fail to fulfill promises, then the public votes for the other side after a term or two. Sadly its Polish nature to line ones pockets first, however full these pockets are in the first place. Non of their politicians can be trusted with that in mind.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

You dont seriously suggest that any party that would go against the wishes of a voting majority would have any chance in getting voted in during the following election?

In any case its a trivial point as it wont happen. The result will be respected whatever it is.
During the two day extension, nearly half a million registered to vote. A high turnout is said to benefit the remain, although to me thats not immediately clear, as the leave side is the more activist and likely to vote come hell or high water.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]


No, British born and bred. Of course the main parties wont disappear. I was just taking on jon's argument if they went against the vote of the people, they would be done for the next couple of elections at least. But its a non starter as I say. There may be some changes on deck, some heads may roll, some may fall on sword, but if brexit voted, thats the line they will be forced to follow. Otherwise you can forget governing. Its not a banana republic. You can get away with not introducing free bus passes from your mandate, but going against such a crucial vote gives you a half life longer than most radioctive waste. Untouchable.


And there was Denmark too. But the situation is different in the UK, the government here is less europhile and the public much less so as the vote is likely to prove. And then there are the problems within the EU itself which have manifested since then.

UK, Ireland / How might Britain`s withdrawal from EU affect Poles there and here? [474]

Maybe I was unclear, those going against the verdict of the vote or promoting taking an opposite avenue would likely see their careers ended. Difficult to imagine people voting for such people going forward. All politicians are economically with the truth and speak in riddles. But pushing for something that the majority didnt vote for isnt going to win you any votes. As for the vote being close or not makes no different. Thats the democratic system we have. There could have been a different threshold set, say 66%, but it wasnt. The Scottish vote was the same. It was pretty close and if UK stays in the EU, its unlikely we get another referendum there within 10 years. If something was to materially change, such as a Brexit, then they can push for another referendum. And thats something you should expected to be pushed by the SNP this year if indeed the UK Brexits.