Struggling young Polish couple - try to solve their problem

polishmeknobThreads: 12 Posts: 162 Joined: Feb 9, 09 ♂	Jun 9, 11, 16:32 #121
Is the 3000zl before or after taxes?

warszawskiThreads: 60 Posts: 2,386 Joined: May 21, 10 ♂	Jun 9, 11, 16:33 #122
FUZZYWICKETS: why are the #3 sellers so bad?curious. It is quite simple when there is more than one decision maker, there is no decision. There is always one member of the group who is greedy.

Milo320Threads: - Posts: 5 Joined: Jun 17, 11 ♂	Jun 17, 11, 13:00 #123
why they can't have additinal work ?

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Edited by: convex Jun 17, 11, 13:51 #124

They're not in a position to buy a house and shouldn't be given a loan under any circumstance. They're obviously having problems finding decent work. If they're highly educated, they could move to any of the larger cities and pick up an entry level job earning twice what they're making. Renting gives them the flexibility to move to where the jobs are instead of waiting for jobs to come to them. Like Harry mentioned earlier, maybe they should get jobs at McDonalds to increase their income?

BTW, I hired a guy for entry level installation work in Krakow. He's 22, I'm paying for his initial certification, and he makes almost as much as much as both of them combined.

Here's some food for thought, it's in Polish but I think it's pretty self explanatory.

Real salaries from up north of Wroclaw.

salaries

edit: url fixed

SeanusThreads: 22 Posts: 30,158 Joined: Dec 25, 07 ♂	Jun 17, 11, 23:17 #125
Altruism often ends in disaster here

SeanBMThreads: 41 Posts: 8,727 Joined: Mar 10, 08 ♂	Jun 17, 11, 23:45 #126
convex: I hired a guy for entry level installation work in Krakow I have a load of guys working for me, the youngest is 18, fresh out of school and even he gets paid more than these (theoretical?) couple in Krakow. Seanus: Altruism Altruism's bollox.

SeanusThreads: 22 Posts: 30,158 Joined: Dec 25, 07 ♂	Jun 17, 11, 23:50 #127
It would seem that way here, Seanny.

loc_kanikaThreads: - Posts: 28 Joined: Jun 16, 11 ♀	Jun 18, 11, 08:26 #128
At such an early stage in their lives; they can opt to rent. Save a part of their salaries to own a property in coming time.

urszulaThreads: 2 Posts: 362 Joined: Aug 31, 07 ♀	Jul 28, 11, 00:35 #129
Why don't they shop around and look for reasonable rent? people strive all over the world, not only in Poland. There are two of them, they can split the bill. Why don't they find a better paying job? Work overtime? Start their own business? Find a cheaper apartment? Live with family and save? Possibilities are endless.

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Jul 28, 11, 01:08 #130

I agree with those that say this couple is not ready to buy. It doesn't look like they can even afford to rent! But, on top of that, why would they want to buy? Even if they were already established with well paying jobs, owning real state is still a huge ball and chain.
Couple of years ago, owning a home was an absolute must have part of an american dream here. Now, not owning one is more of an enviable position: a sign of freedom, free weekends, ability to take advantage of opportunities wherever they may appear...

MEMBER ♀

Jul 28, 11, 02:38 #131

Couple of years ago, owning a home was an absolute must have part of an american dream here. Now, not owning one is more of an enviable position: a sign of freedom

Years ago in the U.S., many couples would marry at a young age. The husband was usually fortunate, to find a well-paying job, with a company such as Lockheed. The Mrs. would stay home to raise the munchkins. Nowadays, it may take two incomes to purchase a home. Obtaining the down payment, is the major obstacle today, that prevents several people from purchasing their dream home.

A sincere thanks PF, for putting up with me FIVE terrific years, muah!

f stopThreads: 33 Posts: 2,861 Joined: Dec 9, 09 ♀	Edited by: f stop Jul 28, 11, 04:51 #132
what I'm trying to say is that owning a home today seems like a hindrance, handicap, bind.. We should be more mobile and carry less sh!t along.

pipThreads: 11 Posts: 1,293 Joined: Jul 4, 11 ♀	Jul 28, 11, 11:23 #133
why are they not looking for higher paying jobs. If it was posted on a different thread that biedronka is hiring for 2100 pln per month- why would they keep a job that pays so little?

tygrysThreads: 2 Posts: 404 Joined: Dec 28, 07 ♂	Aug 4, 11, 21:42 #134
why are they not looking for higher paying jobs. If it was posted on a different thread that biedronka is hiring for 2100 pln per month- why would they keep a job that pays so little? They dumb?

SeanusThreads: 22 Posts: 30,158 Joined: Dec 25, 07 ♂	Aug 4, 11, 21:45 #135
Tusk seems to be stripping away help for young couples. If he gets rid of Rodzina na Swoim without replacing it, he will show his true colours. The system of relief in Poland is awful.

southernThreads: 116 Posts: 10,955 Joined: May 17, 07 ♂	Aug 4, 11, 23:04 #136
They can always rob a a bank.

tygrysThreads: 2 Posts: 404 Joined: Dec 28, 07 ♂	Aug 5, 11, 00:20 #137
or scam their way to get to the US and get a job illegally

thrifty scotty	Aug 5, 11, 08:08 #138
Some choose not to follow set paths, guesswho. I've never been one for the high life and many Poles would do well to realise their financial constraints too. there is no virtue in poverty.

pawianThreads: 90 Posts: 5,395 Joined: May 30, 08 ♂	Edited by: pawian Aug 5, 11, 08:18 #139
=f stop]what I'm trying to say is that owning a home today seems like a hindrance, handicap, bind.. We should be more mobile and carry less sh!t along. Sorry but you are talking nonsense. People take loans and buy property to avoid paying high rent which is money thrown down the drain. After two or three decades of rent paying in Poland, you could buy a flat with it.

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Aug 5, 11, 08:51 #140

Sorry but you are talking nonsense. People take loans and buy property to avoid paying high rent which is money thrown down the drain. After two or three decades of rent paying in Poland, you could buy a flat with it.

I agree with it. But different lifestyles I suppose. Mobility gives people lots of options and allows them to move to where the jobs are (and puts them in a better negotiating position).

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Aug 5, 11, 16:12 #141

My reaction might be to the situations I see around me (with some hints of mid-life crisis thrown in, I suppose): rents are actually cheaper than the mortgage payments, home owners spending all of their free time and money fixing/remodeling or just upkeeping their house, missing out on many other stuff..
I have a good friend who invested in some lovely, riverside rental units. He calculated that he should be able to retire soon, the rent payments would provide him with extra spending money. Now, after couple forced evictions and many-a-weekend spent fixing toilets, he is re-evaluating that plan.
Another example is the vacation home. I always loved the stability of spending my vacations in the same island home, until I was forced to seek other arrangements and discovered all the variety I've been missing.
I have a young, fresh-out-of-school apprentice, that I feel should really discover all the different opportunities, not only in USA, but abroad as well. But, he is saddling himself with a big, beautiful home and a fervent hope that his job is not going anywhere.

JimmuThreads: 2 Posts: 152 Joined: Aug 26, 11 ♂	Aug 30, 11, 14:48 #142
My wife and I just bought a house in Poland. While looking for a mały biały dom we found hundreds of half built places for sale at a low price. Maybe they could look into that? The caveat being, there might be a reason the original owner gave up on it...

delphiandomineThreads: 42 Posts: 9,954 Joined: Nov 25, 08 ♂ [Suspended]	Aug 30, 11, 15:30 #143
The caveat being, there might be a reason the original owner gave up on it... Usually they ran out of money.

poleposition

Sep 13, 11, 02:04 #144

people living in the uk dont know how lucky they are .some one working can get housing benefit help here ....also not working can get a house for their family and not pay....in poland people getting married are still at home with their parents and cannot see a way to get a place of their own.........i have no idea what the family can do ......or keep saving and buy a property out in the countryside as some family homes are availiable for a little as 100.000 zl and upwards with a lot of land .........

eyenonathinThreads: 4 Posts: 7 Joined: Sep 29, 11 ♀	Mar 19, 12, 22:41 #145
Come to England for a year and save money to take back home, I have friends who are doing this in order to buy themselves a house in Poland when they move back.

KrakmanThreads: 3 Posts: 54 Joined: Oct 4, 09 ♂	Edited by: Krakman Mar 20, 12, 05:19 #146
They need a house, so buy a house!! Also, let them eat kremówki...

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Mar 20, 12, 07:52 #147

I agree with f stop, property ownership is the ideal of yesteryear. Rentals can make much more sense, nowadays. With rental properties, you can have much greater variety of choice as to where you will live. When it comes to employment, and the possibility of moving, rentals offer an unrestrained freedom that purchased property does not. There are no hidden costs associated with renting, such as maintenance, HOA fees and taxes. Many modern units have amenities included that would push a housing budget into the stratosphere. With fluctuating values and taxes, renting, especially for younger buyers, makes much more sense.

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Edited by: milky Mar 20, 12, 08:36 #148

eyenonathin:

Come to England for a year and save money to take back home,

You mean several years of saving every penny.
300000 in one year??,some job

Krakman:

They need a house, so buy a house!! Also, let them eat kremówki...

Oh yea ,,your the guy who thinks it's much easier to purchase a house in Poland than in England,,,lol....your opinion is worthless

jasondmzk:

I agree with f stop, property ownership is the ideal of yesteryear. Rentals can make much more sense, nowadays. With rental properties, you can have much greater variety of choice as to where you will live. When it comes to employment, and the possibility of moving, rentals offer an unrestrained freedom that purchased property does not. There are no hidden costs associated with renting, such as maintenance, HOA fees and taxes. Many modern units have amenities included that would push a housing budget into the stratosphere. With fluctuating values and taxes, renting, especially for younger buyers, makes much more sense.

I agree,it's a paradox. Poland has grown accustomed to living in a housing crises;during late communism there was a 15 year waiting list and now(neo liberal wet dream land) the average Pole on the an average wage is subjected to a life of super-inflated mortgage slavery.
The best thing for the couple to do is just leave the country, crap option but look at Ireland now, people are flooding out of the country yet its economically several times better than Poland.

rozumiemnicThreads: 4 Posts: 1,019 Joined: Nov 16, 09 ♀	Mar 20, 12, 09:06 #149
eyenonathin: Come to England for a year and save money to take back home, I have friends who are doing this in order to buy themselves a house in Poland when they move back. what is this about the streets of England being paved with gold? Dream on.

milkyThreads: 10 Posts: 1,225 Joined: Oct 26, 09 ♀	Mar 20, 12, 10:50 #150
rozumiemnic: what is this about the streets of England being paved with gold? Dream on. Exactly, there is no easy crock of gold anymore.

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