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Posts by krakow  

Joined: 19 Oct 2008 / Male ♂
Last Post: 25 Nov 2008
Threads: Total: 1 / In This Archive: 1
Posts: Total: 42 / In This Archive: 12
From: Krakow
Speaks Polish?: troche

Displayed posts: 13
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krakow   
22 Jun 2012
Life / Is Poland a poor country? [578]

Yup, there still is a lot of Horses here........between May - August .....as you go east, from krakow, it does start to slide economically..........but all in all there is NO WAY I would live back in the UK.......for anyones generalisations, bringing a family up here, rather than in Manchester/ Glasgow is a far better prospect, in many many ways.
krakow   
22 Jun 2012
Life / Is Poland a poor country? [578]

I live (businesses) are in the South (Nowy Sacz, but over a bit) and spend weekends/ Off term time in Krakow..........Krakow is mainly a well off city I agree, but in the larger Malpolska perspective, Its a poor area Harry.....I can assure you there is a LOT of people still living off the land.......between Krakow & Rzeszow..........which is about the size of Scotland!....population 6 million.......Its a poor area, most have had to rely of the glut of credit to raise their living standards.

Jaslo/Gorlice/Krosno/Nowy Sacz/Bochnia/Brzesko christ even Krynica is falkling apart, to the lack of tourism it used to have........these are the areas in general I know intimately, the towns I visit, live,pass thru, walk,fish,hunt,drive etc.....Ive watched it grow exponentially, but in general, its still a poor area.
krakow   
22 Jun 2012
Life / Is Poland a poor country? [578]

I can compare it to most other countries. Rich areas/Poor areas same as the UK/US etc.....but the divide I think is larger between rich & poor. I live in one of the poorest areas in Poland (In the South) .......someone poor here, is on the breadline (literally) In havng to work off the land, keep goats, cattle etc, for any type of subsistence.

Many people in Krakow, Lodz, Bydgoscz, Poznan etc are the same, But in the last few years MANY peoples living standards have been raised to be on par with any one else in Europe.........as was mentioned at the Top.........I think that statement at the very top of this page sums it up perfectly.
krakow   
22 Jun 2012
Life / Polish Dance/Techno music [49]

Hi Logo, Please go to soundcloud.com or mixcloud.com and search there.......as there is the worlds underground music is being rotated, and played there on a regular basis. You'll find what your looking for there, and Im sure it wont be blocked. Search for: Poland techno music within the Groups tab search box

Heres a link to get you started: soundcloud.com/techno-8/01-chris-liebing-youfm
krakow   
22 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

a) the statement was made about Krakow, not Warsaw; b) even for Warsaw, the average three-bedroom house is not 1.6 million, not even close.

check out the majority of asking prices harry for Houses in Krakow ......so as you can see in my reply to Delph.......I stand correct......not corrected...........I am rather surprised at the amount of hostility toward my "facts"..I never presented them as such, they were presented in a freindly manner, in a pleasant presentation,as was explained previously..........I am reather dubfounded at the apparent refusal for some expats here to beleive what is the current state of affairs in Poland. I love Poland. My family is Polish, I live in Poland, I chose to live in Poland. Did I present any bitterness in my findings at teh very first post . NO!.....So for the bitter, twisted, downright UNHAPPY people replying with NO SUBSTANCE to their immature argumentative sniping. Grow Up!..I came here to get away from unhappy Brits!.......Me? Im happy as Larry Here. ;-)

check out the majority of asking prices harry for Houses in Krakow ......so as you can see in my reply to Delph.......I stand correct......not corrected...........I am rather surprised at the amount of hostility toward my "facts"..I never presented them as such, they were presented in a freindly manner, in a pleasant presentation,as was explained previously..........I am reather dubfounded at the apparent refusal for some expats here to beleive what is the current state of affairs in Poland. I love Poland. My family is Polish, I live in Poland, I chose to live in Poland. Did I present any bitterness in my findings at teh very first post . NO!.....So for the bitter, twisted, downright UNHAPPY people replying with NO SUBSTANCE to their immature argumentative sniping. Grow Up!..I came here to get away from unhappy Brits!.......Me? Im happy as Larry Here. ;-)

Btw Harry HERE is one of the UKs Largest Estate Agents TODAY!! valuing & stating the current average House Price Rating......this is not teh same as teh asking price, as IF you have ever bought property, you will realise how it works, and the bids come in higher.

zoopla.co.uk/house-prices/oxfordshire/

There ratings STATE TODAY (not me) of an average House price RATING of £445,074.......and just to be correct ....hrry my old bitter friend!........if you check their adjustment for two years ago (available right next to the rating...Youll see it is 8,000 gbp lower than in 2010........

again, I repeat for the death defying lunatic gestapo board members here. 450,000 Grand !!! oooh ........add away Harry boy, add away.......I do hope you take it upon yourself to get things more "peaceful" in your head......I put these findings up, as a light gesture, you & the rest of your Jackboot buddies, who obviously are intent in being malicious at every conceivable opportunity towards anyone NOT part of your blinkered beliefs.........Well........I stand Correct!........(I mean you & Delphi etc, could have taken what I posted lightly, you could have said......yeah Jezuz, Poland is an expensive place to live in, in lost aspects.....but, alas, Your ownership of this board refuses to let anyone else have a word to the contrary. Ive been a member here for a very LONG time to....) I just normally refused to be drawn in to your immature denials of reality in Poland. But as from today, it would be silly of me NOT to bow to peer pressure. I stand by my words, and back em up big boy!.
krakow   
22 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

krakow: Pair of Mens Jeans (not Designer) (Highstreet) UK 30gbp (Lee) Poland 260zls (Big Star)

When You can disprove my findings, & when you can understand a true comparison, which by your reckoning of Big Star (;-) I seriously doubt.......I find No relation to any of your "quotes" all I just see a resilience to accept exactly what is the true state of affairs here.

I do my homework!.
krakow   
20 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

I dont need to, It is for a friend coming over from the UK, who is purchasing a 2nd Home...........simples!. I am already Mortgage free. & I may add I am extremely thankful for that position, as I would not have been in the UK!. Even after renovating the properties.
krakow   
20 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

Cant you see the literary humour on what you posted?...........You live in the WBJ dream m8...soak up your figures.......by all means. Me? I just like to talk to real people,concerning real fiscal problems, not read inflated self journalism, driven by media sponsorship and contractual obligations. If your so sure about the quality of the Economic journalism offer nowadays, and currently believe the statistics you read.

I stated cold hard facts, you chose to get personal by immature remarks. I wonder who looks foolish inmost other peoples eyes m8, all I did was try to contribute to the OP...........What did you try & contribute?. quoting hyped media, and believing the recent global economic crisis was just an accident.

Hmmm, Id suggest you get a broader tabloid, like the The SUN!.

Harry I run one of the biggest Entertainment agencies in Poland m8. I have clients ranging from Heineken, L'oreal, Versace, to Biedronka & Castorama,TVN, Radio RMF.................. Dont think for one minute, "Im only a Dj" thats my extremely well paid hobby. I know the score m8, Ive been coming to Poland since 1997 - Living here since 2002.........so dont take me for a mug m8.
krakow   
20 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

Just to pick one 'fact' you offer

Learn to read Harry!.....This was done 2 yrs ago m8!.....Stick to correcting grammar mistakes or something else less menial.

I like to see you disprove my "facts" m8.........your arrogance regarding knowledge, when bracketing my "facts" reeks of self worth! What I wrote down for my brother 2 yrs ago (If you bothered to read) was a comparative estimate.

Btw Its irrelevant you didnt contribute, and most noteworthy, you tried to shoot me down. Sad? as all I did was relay self experience. what about yours m8?..........Ill stick to my mixer, & to my intense International touring schedule m8.......certainly beats sitting in a classroom.
krakow   
20 Jun 2012
Real Estate / What do you pay in rent/mortgage in Poland? [144]

Christ, Im laughing my arse off, at some of the naiviety, and also at some of the blinkered figures, offhand stats......FFS, I really dont think ANY bank would try & run figures in an article to make it non viable to have a mortgage!! lol!.....

Anyroads......& I WILL go into detail.....regarding thte true state of affairs outwith the snowhead expats, who haven't spent anytime outside Expat pubs, & the end of the Tram tracks.

Lodz, Poznan, Warsaw, & my beloved Krakow....I live in the South of Poland........for many years, before EU ascension.......I have to travel Poland wide , and have done every weekend for 9 odd years...I interact with Polands "Young crowd" 22-30, as a Professional DJ (which means I earn a living from doing this!) I speak to normal average Poles from ALL OVER THE COUNTRY, every weekend, in all manners of places, I KNOW what is the average income, for an average person. I also dont need to be referenced to the WBJ for pants political nonce, concerning incubated Anglo American guesses at the state of affairs for a general Pole's fiscal state of affairs.

The below chart is in retort of the "blinkered School teachers" (and I apologise for the generalisation here)

This is a cost of living rundown I did for my brother about 2 yrs ago.........bear with me here......Ill get to the CURRENT COST of Housing in South Poland at the end!>

Average wage in Britain (Outside London/Main Cities) 1500gbp per month (after tax)

Average wage in Poland (Outside Warsaw/Main Cities) 1500Zlotys (after Tax).

(Semi & Unskilled Occupations are included here as the average.............NOT BLOATED LONDON / WARSAW figures )

So we have an exact same "income level" between both countries as a starting block . ok!

Lets go Shopping ! with an imaginary list!, nothing personal incidentally, just random, but relevant to most of us I think.

Jar of Nescafe Gold Blend 100gm - UK 2.99 Poland 16.99

Huggies Newborn Nappies Disposable UK 3.99 Poland 22.99

Nestles Cheerios 100gm UK 1.99 Poland 10.99 zls

Pair of Mens Jeans (not Designer) (Highstreet) UK 30gbp (Lee) Poland 260zls (Big Star)

10 yr Old (2000) Honda Accord 1.8i VTEC SE - UK 2,495 gbp Poland 20,000 zls

Hotel 3 star Majorca family of 4 Holiday - UK 1400gbp Poland 10,000 zls (Brochure Holiday type deal)
Monthly Flat Rental -Modern Renovated 2 Bedroom Flat --- UK 450gbp. p/m Poland 2500zls p/m

Heating Bill for above flat in December (Gas Boiler type of heating) keeping the flat at a steady 21C overnight.
UK 100gbp Poland 700zls (This is With NO subsidy from a housing association. This is the REAL cost of gas heating in Poland!.

Family Home 3 Bedroom (10 yr old Detached Home with Garden)
UK 450,000gbp Poland 1.6Million zlotys. (based on Krakow / Oxford)

Average Car Loan interest Rate - Homeowner loan borrowing 20,000 (GBP & Zloty) over 5 years. (THESE FIGURES WERE CORRECT ON THE DAY OF MY APPLICATION for this results test.

UK

Payment per month £403.75 Total charge for credit £4,225 Total amount you repay £24,225

POLAND

Payment per month 660.34 zls Total charge for credit 15,400 zls Total amount you repay 35,400 zls

I hope now you can understand things better, and Ill keep this note for the Polish Tourist Board summer advertising campaign! and maybe also for the Xenophobics among us, to get a clue, as to why there are so many Poles in the UK....... lol.

(All stats done using Tescos/Rightmove UK/ Car Trader./MoneySupermarket.........are all 100% accurate at time of going to press ;-).

And about the car above, the RELATIVE COST IS MASSIVELY HIGHER!. The cost to actually buy the "10 yr old family car". is really the following amount.

UK £3,145 ( 2x your salary)

Poland 35,400 zls ( 24 x your salary)

with 1500 as your budget.....you do the maths, it's called an economic imbalance.

House Prices currently in the south of Poland...(Malpolska).....Gorlice/Nowy Sacz area.........Detatched House, 10 arow (acres) 220Sqm Living space Price currently at 500,000zls (If they house is relatively modernised, if renovations are needed (380,000zls)

So in current climate.......as of today.. 18-6-2012.......and by my simple maths. 18000zls per annum (1500x12)/ 500,000 = 27 times your salary to buy a 4 bedroom Family home in the South of Poland.

the above is to let the others takes their blinkers off....put their Amex away and see that Poland is NO holiday camp concerning living costs & Property ownership. Most people here CANNOT afford, or DO NOT reach the Banks criteria. The Country is f@cked because of unregulated morons in government letting people with NO professional experience become "Nieurochomosci" capitalising in on the housing boom, which ultimately has made it Imposssible for a normal Pole to EVER think about Home ownership.

They Dont come close, in earnings vs Capital repayments. Every bank in Poland wants 100% of the Mortgage amount back in revenue, over the term of the loan. So If you want a 500,000 Zls House here, You are paying Back 1,000,000 zls over 25 yrs. How do I know,??? cos Ive just visited over 18 lenders in Malpolska regarding this matter in the last 2 weeks. NONE were offering 100% mortgages.

So by my calculations on this subject, on an 80% offered mortgage, A Person needs 100,000zls in CASH to get a mortgage,, which means he has to work for 6yrs, saving evry single zloty he has earned in that 6 yrs, to just have the deposit. Even if he qualified, How many of even the EXPATs here have that kind of cash lying about, never mind a normal Pole?.
krakow   
20 Oct 2008
Life / Getting ripped off in Poland! Is it normal? or should it be tolerated? [97]

This ain't a conspiracy theory I know a few bankers that admitted it flat out and were investing heavily to profit off of it.

Very true m8......also a lot of foreign companies heavily invested in Zlotys, and are just waiting for their return on Euro's
krakow   
20 Oct 2008
Life / Getting ripped off in Poland! Is it normal? or should it be tolerated? [97]

How can so many people get mortgages for homes that would take them 50 years if they paid their entire salary each month toward the cost?

christ never mind what happened in the UK a few yrs ago, and also what is happening in the US at the moment, but when the Housing and credit crisis hits here the fowllowing year after Euro adoption, there will be a MASSIVE recession here that will take Poland yrs to recover
krakow   
20 Oct 2008
Life / Getting ripped off in Poland! Is it normal? or should it be tolerated? [97]

Ive been here 6yrs, AND BEEN CONSISTENTLY RIPPED OFF here when they realise Im not Polish,

200/300/400% consistently, It saddens me that "average" mentality here is too try and pull a fast one, make a quick buck at the cost of the "idiot tourist".

I would like ANYONE here to show / tell of an example of a Polish person being charged twice or even more for what they buy in ANY other country , just because they're Polish......but I and many otheres here get it in the arse here because Im British ! ..........respect has to be earned in business, and Poland aint doing a good job at the moment!

FFS look at the prices of property in Krakow for example, definately NOT PRICED for Polish people/residents .....and If anyone wants too take up this debate please feel free.

Ooh and incidentally how can you price ANYTHING in a FOREIGN CURRENCY..i dont go to the states,and get charged Swiss francs cos its a stronger currency??????..(laughable really cos of the "stupid tourist syndrome")...............Poland does NOT have the EURO.and this country should waken up to the fact that this country is gonna BURST when the EURO eventually comes in....It'll just giving more "business people" here a chance to rape at least their fellow countrymen, and even then at least in their "own" currency.

business skills and commerce still have to develope here i know, but the practices that are here at present, are a sure sign of what is to follow, and the future for Poland doesnt bode well no matter what you might say.!.

House prices in Krakow are currently more expensive than London FFS!!.not because of market value but because of greed..the housing market is toally STAGNANT here, and it will ruin many young Polish families future, keeping prices so high........