pawian
10 Aug 2012
Life / I met Polish girl, she is 15. Moving to Poland to start new life - is it a safe place? [30]
Get lost, troll.
My question is: is it safe place? I
Get lost, troll.
pawian
10 Aug 2012
pawian
10 Aug 2012
Travel / Poland in photo riddles [3134]
Yes!!!!!
What do I mean????
:):):):)
sprayed in some silver and amber colours.
Yes!!!!!
What do I mean????
:):):):)
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
What a coincidence! Another parabank has problems with clients` deposits. It is Finroyal, included in the black list.
What a coincidence! Another parabank has problems with clients` deposits. It is Finroyal, included in the black list.
pawian
10 Aug 2012
pawian
10 Aug 2012
Travel / Poland in photo riddles [3134]
Look closely. Surely it isn`t a painting! Can you see the reflection of the object in the background? What does it mean?
Look closer. What is that object made of? What colours can you see? What do they remind you of?
Think about it all.
Hint:
Gdańsk, Gdańsk, Gdańsk....... .
Please, don`t think I am playing with you. :):):):)
Look closely. Surely it isn`t a painting! Can you see the reflection of the object in the background? What does it mean?
Look closer. What is that object made of? What colours can you see? What do they remind you of?
Think about it all.
Hint:
Gdańsk, Gdańsk, Gdańsk....... .
Please, don`t think I am playing with you. :):):):)
pawian
10 Aug 2012
News / Poland's Economy Is Booming! The EU's Success Story? [711]
Yes, my family have always had their accounts there.
Yes, Allior bank is relatively new. It started 2 years ago? It is natural they are more aggressive in the market. But that is risky, too.
and i'm sure they've always had the highest number of people banking with them from communism.
Yes, my family have always had their accounts there.
The others, and I'm sure u know there are many of them, are competing for the rest of the market.
Yes, Allior bank is relatively new. It started 2 years ago? It is natural they are more aggressive in the market. But that is risky, too.
pawian
10 Aug 2012
Travel / Poland in photo riddles [3134]
You mean the pic above?
Nope.
Yes, I know, I saw them: But the object in the pic isn`t still life painting.
Come on, you are playing with me. :):):):)
Bad boy.
Are we now in National Museum in Gdańsk?
You mean the pic above?
Nope.
They have some still life paintings over there: Jan Brueg(h)el the Younger, Joris van Son, Simon Luttichuys, Franciscus Gijsbrechts, Willem van Leen and Andreas (Andrzej) Stech.
Yes, I know, I saw them: But the object in the pic isn`t still life painting.
Come on, you are playing with me. :):):):)
Bad boy.
pawian
10 Aug 2012
Law / Investment advice - my options in Poland? [50]
Of course, I mentioned the average rate for typical deposit, like 20.000-50000 PLN
Possible, if the amount exceeds 100.000 PLN.
Not so bad, after all. I put some money onto one year lock in PKO BP and got 5%. If I put more, I could get 5.5%.
pkobp.pl
However, adding inflation and Belka tax deductions, you are actually in the red after one year when dealing with banks.
4.2 is much closer to Pwian's 3.5 than yours 6%.You also need to take into account 19% CGT.
Of course, I mentioned the average rate for typical deposit, like 20.000-50000 PLN
I got offered 6.2%.
Possible, if the amount exceeds 100.000 PLN.
one-year lock up rate is 3.9%. That's...well...rubbish. Could be a sign that they aren't really interested in PLN deposits...
Not so bad, after all. I put some money onto one year lock in PKO BP and got 5%. If I put more, I could get 5.5%.
pkobp.pl
However, adding inflation and Belka tax deductions, you are actually in the red after one year when dealing with banks.
pawian
10 Aug 2012
News / Poland's Economy Is Booming! The EU's Success Story? [711]
Strange, because I don`t.
I am in PKO BP. What`s your bank?
I get phone calls from the Bank every month offering personal loans and increasing my credit card limit and so do most of my colleagues.
Strange, because I don`t.
I am in PKO BP. What`s your bank?
pawian
10 Aug 2012
News / Poland's Economy Is Booming! The EU's Success Story? [711]
Told by numerous Poles, leaving on holidays to Egypt ar at least Greece next day. :):):):):):)
hihihihi. Nice method of measuring the society`s wealth.
Come on, you can`t be as stupid as you sound, tell us you are pretending. :):):):)
Harry, come on, stop those silly games. :):):):)
It's like this, the numbers will most likely say yes but if you ask an average Pole, he'll say, nothing (nothing really positive) has change for him.
Anyways, that's what I was told by numerous Poles when I was in Poland.
Anyways, that's what I was told by numerous Poles when I was in Poland.
Told by numerous Poles, leaving on holidays to Egypt ar at least Greece next day. :):):):):):)
I shop in small shops in the center and no matter what time of the day, customers are rare and don't buy expensive food.
hihihihi. Nice method of measuring the society`s wealth.
Come on, you can`t be as stupid as you sound, tell us you are pretending. :):):):)
Harry, come on, stop those silly games. :):):):)
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
Many things should be done but aren`t because we live in democratic countries which allow their citizen run various enterprises in the free market.
It should have been sufficient for him to visit them.
Many things should be done but aren`t because we live in democratic countries which allow their citizen run various enterprises in the free market.
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
Nope.
I wonder all the time if Amber Gold started to pay out deposits to their clients yesterday
Nope.
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
Various things happen here and there:
en.wikipedia.org/wiki/Bernard_Madoff
Sure . All hunky dory in cloud cuckoo land!!
Various things happen here and there:
In 2004 Genevievette Walker-Lightfoot, a lawyer in the SEC's Office of Compliance Inspections and Examinations, informed her supervisor branch chief Mark Donohue that her review of Madoff found numerous inconsistencies and recommended further questioning. However, because of agency pressure to investigate the mutual fund industry, she had to conclude...
en.wikipedia.org/wiki/Bernard_Madoff
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
Stop squabbling about the names. Be more mature - we are talking about practice, not theory now. :):):)
So it is done in another way. Clients sign perfectly legal contracts with the parabanking institution and they lend their money to it.
m.onet.pl/biznes,7dfen
4 paragraph from the bottom.
Legally, everything is all right.
Pawian, you have just created by yourself a whole new branch in logical science !!
Stop squabbling about the names. Be more mature - we are talking about practice, not theory now. :):):)
Here it is, the link to the KNF's site which states clearly that without a banking licence organisations are not allowed to take deposits from the public
So it is done in another way. Clients sign perfectly legal contracts with the parabanking institution and they lend their money to it.
m.onet.pl/biznes,7dfen
4 paragraph from the bottom.
What is surprising is that Amber Gold, like a few others, is clearly listed on the KNF's site as an organization taking deposits without the appropriate banking licence.
Legally, everything is all right.
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
I advise you to read The Godfather. A fascinating book about US finances in the past. Years passed, but it is still valid stuff. I read it a dozen times and today I know everything about investing. :):):):) That`s why I didn`t fall for those Madoff or Amber Gold acts.
I advise you to read The Godfather. A fascinating book about US finances in the past. Years passed, but it is still valid stuff. I read it a dozen times and today I know everything about investing. :):):):) That`s why I didn`t fall for those Madoff or Amber Gold acts.
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
Come on, bank or non-bank/parabank, it is all the same.
Your link
NBFCs offer most sorts of banking services, such as loans and credit facilities, private education funding, retirement planning, trading in money markets, underwriting stocks and shares, TFCs(Term Finance Certificate) and other obligations.
And if you mean this:
However they are typically not allowed to take deposits from the general public
You need to quote from the Polish site.
Like this one:
pl.wikipedia.org/wiki/Parabank
Come on, bank or non-bank/parabank, it is all the same.
the only difference is that some are licensed by the state while others aren`t. That`s all.
That `s why Amber Gold is a parabank without a license.
Your link
NBFCs offer most sorts of banking services, such as loans and credit facilities, private education funding, retirement planning, trading in money markets, underwriting stocks and shares, TFCs(Term Finance Certificate) and other obligations.
And if you mean this:
However they are typically not allowed to take deposits from the general public
You need to quote from the Polish site.
Like this one:
pl.wikipedia.org/wiki/Parabank
pawian
10 Aug 2012
Work / Teaching English in Wrocław - TEFL, fair pay? [40]
Do you mean he may have the deck stacked against him and won`t get very far with laying/being laid?
Do you mean he may have the deck stacked against him and won`t get very far with laying/being laid?
pawian
10 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
I don`t think so.
Various institutions operate in the market and act as banks and the only difference is that some are licensed by the state while others aren`t. That`s all.
I don`t need to get a license from Financial Supervision Authority to collect deposits from the people in my street. I can start doing it tomorrow.....
Yes, but it doesn`t work for parabanks and people who deal with them should be aware of it.
That `s why Amber Gold is a parabank without a license.
Such things can be checked. But greed blinds people.
lokaty.wieszjak.pl/warto-wiedziec/307214,Polacy-nie-odrozniaja-banku-od-parabanku.html
On the whole, Amber Gold scandal is a good warning for people.
But I am sure in a few years` time we will hear about another scandal and the thread wil continue..........
most countries (and I think that includes Poland, hence my questions), non banks are forbidden from taking deposits from the public.
I don`t think so.
Various institutions operate in the market and act as banks and the only difference is that some are licensed by the state while others aren`t. That`s all.
I don`t need to get a license from Financial Supervision Authority to collect deposits from the people in my street. I can start doing it tomorrow.....
The quidproquo is that should a bank go bust, deposits are reimbursed through a guarantee scheme (to the tune of 50 k€, I think)
Yes, but it doesn`t work for parabanks and people who deal with them should be aware of it.
People managing a bank have to be individually approved by the KNF, and a bankrupt would never get approval.
That `s why Amber Gold is a parabank without a license.
Such things can be checked. But greed blinds people.
lokaty.wieszjak.pl/warto-wiedziec/307214,Polacy-nie-odrozniaja-banku-od-parabanku.html
On the whole, Amber Gold scandal is a good warning for people.
But I am sure in a few years` time we will hear about another scandal and the thread wil continue..........
pawian
10 Aug 2012
Work / Teaching English in Wrocław - TEFL, fair pay? [40]
Good advice but
Good advice but
After having visited Wrocław for the first time during Euro 2012, I fell in love with the city and I met so many new friends!
pawian
10 Aug 2012
Law / Investment advice - my options in Poland? [50]
Zinc, don`t listen to some encouraging idiots here who may try to tempt with you 10% or more. Just follow the advice a few posts earlier.
Zinc, don`t listen to some encouraging idiots here who may try to tempt with you 10% or more. Just follow the advice a few posts earlier.
pawian
9 Aug 2012
Law / Investment advice - my options in Poland? [50]
I provided the rate from the banks suggested by PiP.
PKO BP offers about 3.5%
Remember, smaller banks are suspicious.
Is this a negotiation Pawian?
I provided the rate from the banks suggested by PiP.
I also agree with Ziemek. Try the big name banks PKO and Pekao. Stay away from the smaller ones.
PKO BP offers about 3.5%
I got offered 6.2%.
Remember, smaller banks are suspicious.
pawian
9 Aug 2012
Law / Investment advice - my options in Poland? [50]
Sorry, 3.5%, below inflation level.
you'll get about 6%.
Sorry, 3.5%, below inflation level.
pawian
9 Aug 2012
Law / Largest Corp In Poland :Polski Koncern Naftowy S.A. [8]
Here is the largest one: carppassion.eu/grafika/artykuly/szewc_pawel/lato/karp.jpg
Largest Corp In Poland
Here is the largest one: carppassion.eu/grafika/artykuly/szewc_pawel/lato/karp.jpg
pawian
9 Aug 2012
Life / An Indian wants to convert to Christianity in Poland [60]
In Poland it is better atmosphere to convert.
It's true Pawian, it is not.
In Poland it is better atmosphere to convert.
pawian
9 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
Me! Me!
Look, if one day I start collecting deposits from people living in my street, with all formalities fulfilled, who forbids me to do it?
That would be impossible in communism, indeed.
Fortunately, we have capitalism. :):):):)
And one day JKMikke inserted a bayonette into his stomache.
An interesting interview with Gwiazdowski, a financial expert:
1. The authorities had no legal right to meddle into Amber Gold`s functioning. Only when a client reports his/her case to prosecutors, action can be taken.
2. Parabanks and financial pyramids have duped people for centuries all around the world.
3. People like being duped. Madoff managed to dupe not only common investors but also big institutions like major state banks etc.
4. Actually, modern finances are based on one giant pyramid. It also refers to state banks.
1) is Amber Gold a bank or not (someone referred to it as a 'parabank')?
Me! Me!
Enraged clients accuse the Polish authorities of having ignored the parabank`s suspicious activities.
2) if not, how can they be allowed to take deposits from the public?
Look, if one day I start collecting deposits from people living in my street, with all formalities fulfilled, who forbids me to do it?
3) if yes, how can a former bankrupt be allowed to run a bank?
That would be impossible in communism, indeed.
Fortunately, we have capitalism. :):):):)
So he works for a public compnay. Excellent.
And one day JKMikke inserted a bayonette into his stomache.
An interesting interview with Gwiazdowski, a financial expert:
1. The authorities had no legal right to meddle into Amber Gold`s functioning. Only when a client reports his/her case to prosecutors, action can be taken.
2. Parabanks and financial pyramids have duped people for centuries all around the world.
3. People like being duped. Madoff managed to dupe not only common investors but also big institutions like major state banks etc.
4. Actually, modern finances are based on one giant pyramid. It also refers to state banks.
pawian
9 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
:):):):):)
Moronic vs funny.
Ahh, I was just waiting for such a moronic remark.
:):):):):)
Moronic vs funny.
pawian
9 Aug 2012
Life / An Indian wants to convert to Christianity in Poland [60]
Come on, converting in India isn`t the same as in Poland.
You do not have to come to Poland in order to convert into Christianity. There are quite a few christian churches in India itself.
Come on, converting in India isn`t the same as in Poland.
pawian
9 Aug 2012
Law / Investment advice - my options in Poland? [50]
Come on, the choice is abundant:
Afetr he finds a proper estate, it is extremely important to follow good advice:
How on Earth can he get into real estate with 15 k PLN??
Come on, the choice is abundant:
Afetr he finds a proper estate, it is extremely important to follow good advice:
buy a small commercial or residential place..rent it and pay it off!
pawian
9 Aug 2012
News / Amber Gold and other Poland's suspicious institutions [139]
In 1990s Swiss frank mortgage was a much better option than PLN. Ziemowit explained it well.
I could never understand that as well. My mortgage is in PLN - it just doesn't make sense to borrow in a different currency when you have no real idea of how it could go, especially with a very young currency like the PLN.
In 1990s Swiss frank mortgage was a much better option than PLN. Ziemowit explained it well.