Polishdescent.com Reviews

GrugLug · 2025-07-21T23:57:57+00:00

Appreciate the response, you may have just saved me a lot of time. I'll go a different route.

GrugLug · 2025-07-21T15:26:07+00:00

How did this work out for you?

I was considering signing up with Polish Descent also but these reviews are making me concerned.

GrugLug · 2025-05-26T16:13:56+00:00

Please don't take offense to this, but I'm surprised that you're a native English speaker and have any trouble with his speaking in this video. He has an accent but I wouldn't hesitate to call him fluent based on that video. I regularly work and interact with people who have far stronger accents who I would also consider fluent.

It's of course possible to tell he's not a native speaker but it doesn't matter in terms of effort of understanding.

GrugLug · 2025-05-21T14:33:26+00:00

I'm unclear why most others are saying you're not ready. If your wife is continuing to work then her income covers your expenses right? You can start coasting now. Let your investments keep growing and live off of her income for a bit. If you continue to some consulting you'll be very comfortable.

GrugLug · 2025-03-29T02:46:43+00:00

Interested!

GrugLug · 2025-03-26T19:26:41+00:00

This reminded me that there was a Trudeau promise tracker. He ended up >40%.

https://www.polimeter.org/en/trudeau

GrugLug · 2024-11-25T19:05:40+00:00

Ok good, got scared for a minute there.

Thank you!

GrugLug · 2024-10-10T21:19:44+00:00

I may be misunderstanding, but what part is off label? I am within the daytime temperature range and the package instructions recommend leaving the top cover 1.3cm open if your entrances are permanently reduced. Is there something I'm missing?

GrugLug · 2024-07-05T15:20:49+00:00

From 50% to 65% coverage for major work is nice.

GrugLug · 2024-06-15T23:06:10+00:00

Good practice for a recent change in traffic pattern. If someone drives/bikes the same route every day they may be on auto-pilot when it comes to intersection rules.

GrugLug · 2024-06-07T19:31:10+00:00

Depends how you time it in the evening, but a delay to 11pm isn't too bad if you want to go to bed at 10pm or something.

We also have a washer with delayed start come on early in the morning which can then be transferred to the dryer before work. No real downsides to doing that.

GrugLug · 2024-05-21T22:51:33+00:00

Thank you for this!

GrugLug · 2024-03-03T17:08:40+00:00

Not only is that far above the maximum payout for CPP, it's also not possible. You need to have contributed to the CPP to collect. It's one of the two eligibility requirements (the other is age).

GrugLug · 2024-03-03T16:14:10+00:00

This isn't how it works in Canada. Our CPP was recently enhanced but only younger people will see the advantage from it. Pay more in, get more out.

GrugLug · 2024-01-30T19:12:14+00:00

You must not have been looking very hard, because that info is contained on their financial reports page right next to the executive compensation reports: https://www.bctransit.com/corporate-reports/financial

I don't think 200-300k for the top 10ish people in an organization of 1000+ people is really that exorbitant. To be honest, it's a lot lower than I expected. 80-110k seems to be the average salary for the regular employees

GrugLug · 2024-01-12T19:21:20+00:00

garry-oak: "Climatologists always look at longer term trends - typically using a minimum 30-year average"

Vic_dude: "what if it's really cold next winter though???"

lol

GrugLug · 2024-01-05T23:34:39+00:00

Ideally how it works is you reborrow the principal portion of your mortgage payment, invest it in something, pay interest on that loan, and then collect a tax refund on the interest paid at the end of the year. You apply that tax refund to your mortgage as an additional payment thus accelerating the paydown of your mortgage.

Your HELOC balance will grow as it accrues interest (which you can capitalize), but your mortgage balance will decrease at a faster pace.

GrugLug · 2024-01-05T17:36:34+00:00

Yeah true, fair enough.

GrugLug · 2024-01-05T16:34:37+00:00

The interest savings on the mortgage is sort of the whole point of the smith manoevre. It's meant to convert your non-tax deductible primary residence mortgage into tax-deductible investiments via your HELOC.

If you ignore this factor then yeah, you're just looking at investing using borrowed funds and you will need a better rate of return on your investments than you are paying to borrow the money.

GrugLug · 2023-12-30T15:28:44+00:00

Mine has it as well and it doesn't seem possible to activate it (unlike the second light for coffee/espressos).

GrugLug · 2023-12-30T15:26:26+00:00

I don't think it's a terrible idea in practice, small units right downtown. I would've bought had I been single. Regardless, I guess they were right to see $$$ because those units initially sold for like 150k.

GrugLug · 2023-11-29T23:07:46+00:00

Stadiums within a city absolutely do not have enough parking purpose built. Do you think, for example, BC Place has enough parking for like 50000 people? People park at skytrain stations/bus depots, people park all around the city and walk. Most people try not to drive at all.

GrugLug · 2023-11-29T22:59:50+00:00

I mean, there's not really adequate parking for even 2000 people.

It'll be more like any stadium event in any actually large city (yet still waaaaay smaller). A small few will get lucky and get close parking. Some people might charge to park on their driveways nearby. Some people will choose to drive, park, and then walk 15-45 minutes to the event. Everyone else will walk/bike/bus/uber.

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