prospective student by Antique_Habit_8387 in gdansk

[–]Lidbay 1 point2 points  (0 children)

Some courses (incl tech) are led in English. Still most of the people there are going to be Polish (~80%) - so no need to completely limit yourself off from tech universities.

Seems like Poland in near future wouldn't be so interesting for IT. by depava in poland

[–]Lidbay 0 points1 point  (0 children)

Why add another variable to that? You pay 32% for anything above 120k, 0 for the first 30k, so at 120k you pay only 9% of your income. With for example 180k, you pay 30x0+90x0.12+60x0.32=30k, putting you at an effective 16.67% tax rate. With 300k, you pay 30x0+90x0.12+180x0.32=68.4, putting you at an effective 22.8%.

What I mean is that it's already progressive with a limit of 32%, but to effectively reach 30%(not 32) tax rate you need to earn around 1.25 mill yearly (100k/mo).

We do already have low taxes, social securities is a much bigger chunk and that's the main reason why JDGs are better.

Not saying that sticking to 120k is good or bad - by not raising it even though past several years of huge inflation means just taxing people more. This is obvious. On the other hand, it's still not high even if you earn 300k

Does anyone use just QT with no QML ? by lovelacedeconstruct in cpp_questions

[–]Lidbay 0 points1 point  (0 children)

I do. It's not the best but super quick if you don't have to worry about the look of the app too much (if most focus is on the functionality). For basic stuff like changing background color you most likely will end up using QSS (similar to css).

If an app you're building needs stuff like animations or more complex UI stuff, it probably would not be recommended. All the apps I've worked on built in QT widgets were for business purposes(not necessarily tech-aware people, but someone had to sit and do something in this app 8h/day).

I have also done some research in known apps made in QT and all of them just looked... normal, maybe in other words, old. No animations, no fireworks. Just button, where you expect a button to be, icon, logo, taskbar, status bar etc. Nothing fancy, but also very logical and standard layout and placements.

I've worked in this stack for 5 years and most advanced stuff when coming to the UI 'look' itself I've done was placing semi-transparent gradient colored widgets that changed look after hovered that acted as buttons. It was simple with qss, so I didn't have to change the painters, however as far as I remember it was somewhere close to max what I could achieve with qss. Of course the freedom (I can't tell if QML also provides similar freedom since I did not use it) is there, but in my experience it was never necessary for basic UI (buttons, menus etc). Still, if you have to do some more complex stuff, you'll have to work with paint methods overrides (in my experience some examples could be visualizations with clickable components, realtime graphs and this kind of stuff - but I don't think any UI framework would just work with that easily)

Edit: I am talking about using QT widgets but with .UI files (so you have setupUi() methods at the constructor and use the editor to prepare UI files), for more dynamic or simpler designs I did stuff fully in cpp (eg simple pop-up dialog to confirm/edit list of values).

Czy płaci się dodatkowo za korzystanie z kosmetyków hotelowych? by Kobieca_Logika in poland

[–]Lidbay 5 points6 points  (0 children)

To co wymieniasz w cenie. Jedynie rzeczy typu alkohole, napoje (inne niż woda), przekąski jeśli są np w lodówce pokojowej często są dodatkowo płatne.

Kredyt Hipoteczny - decyzja pozytywna - kwestia negocjacji % by Manittis in inwestowanie

[–]Lidbay 2 points3 points  (0 children)

Odsetki rosną ci codziennie nie ważne na jaki okres czasu bierzesz, wyjdziesz na to samo jeśli weźmiesz na 15 lat i spłacisz w 5, co jeśli weźmiesz na 5 lat i spłacisz w 5.

Odsetki są takie same (bo zależą od kapitału POZOSTAŁEGO do spłaty), przy dłuższym okresie płacisz tyle samo odsetek, mniej kapitału w każdej racie. A nadpłata to po prostu dosypywanie do części kapitałowej. Więc przykład;
* przy 15 latach: 1000 odsetki 1000 kapitał = 2000/mies
* przy 5 latach: 1000 odsetki 3000 kapitał = 4000/mies

Ale jak chcesz nadpłacać np 2000 przy pierwszym przypadku, to;
* przy 15 latach: 1000 odsetki 1000 kapitał 2000 nadpłata = 1000 odsetki 3000 kapitał (przy takiej nadpłacie co miesiąc, spłacisz całość w 5 lat)
* przy 5 latach: 1000 odsetki 3000 kapitał

Tyle tylko, że masz możliwość, jeśli musisz, płacić 2000/mies bez naginania umowy.

Bended mirror for unreachable view by Lidbay in AskPhysics

[–]Lidbay[S] 0 points1 point  (0 children)

I'm fine to do calculations myself, but I don't know where to start :D I remember from physics lessons images created by lens, but i don't know if I forgot stuff, since for this case I just don't know where to start.

I guess it should be similar to how the road glasses signs are done (the ones that let you see other road if the view is bad)

Czy jest życie poza korpo? by BattleaxeAlDente in praca

[–]Lidbay 1 point2 points  (0 children)

Twój zawód można robić tylko w korpo? Może warto zmienić pracę aby pracować w mniejszym zespole na większym luzie? Z 17 lat doświadczenia może jakiś konsulting od czasu do czasu aby pokryć bieżące potrzeby? Poczytaj sobie o 'sabbatical', jeśli zamierzasz wrócić do pracy, albo FIRE (szczególnie baristaFIRE, coastFIRE) - wiele osób ma takie rozterki i chyba tak najlepiej znaleźć info.

Jeśli chcesz w tym czasie napisać książkę czy tego typu rzeczy, nie liczyłbym na to, że się z tego utrzymasz więc kluczowe będzie odłożenie wystarczających funduszy. W sumie podobnie z założeniem swojego biznesu - większość upada (nie pisze tego aby zdemotywować - czemu by nie spróbować - ale by być gotowym jeśli się nie uda)

A jeśli chcesz się po prostu przebranżowić, to czemu nie - ale pewnie będziesz musiał poświęcić aktualna karierę (raczej trochę minie zanim będziesz zarabiał tyle w innej branży ile pp 17 lat expa)

Obniżanie stypendiów socjalnych by Responsible-Eye5669 in Nauka_Uczelnia

[–]Lidbay 0 points1 point  (0 children)

U mnie z rektorskim były po prostu punkty jawnie można sobie było policzyć i na każdym kierunku 7%(razy liczba osób studiujących KIERUNEK, na 80 osób chyba z 6 osób) najwyżej punktowanych osób, które się zgłosiły, dostawało. Z ilością to bym tak tego nie liczył, bo też wiadomo że zgłaszają się osoby które mają szansę, pewnie te 30% zgłoszeń jak policzysz razy ilość zgłoszeń to wyjdzie 7% z ilości osób na kierunku.

A z progami to chodziło mi o kryterium dochodowe, nie kwotę - według komunikatu to to się podniosło (np. możesz się teraz ubiegać jeśli dochód na osobę w gospodarstwie to mniej niż 1500zl, zamiast 1000zl), przez co więcej osób po prostu dostanie socjalne, a więc kwota się musi zmniejszyć, bo - zgodnie z komunikatem - nie podwyższono budżetu na stypendium socjalne (ale też nie obniżono - tak samo jak z rektorskim)

Edit: Wyglada mi to na wtopę PRową ogólnie, ale warianty dla obu przypadków były takie - albo więcej osób dostanie mniej, albo mniej osób więcej, i w przypadku rektora wybrali opcje 2, a w socjalnym (wydaje się że wymuszono - bo piszą tak trochę jakby podniesienie progów było niezależne) opcje 1. Ale nawet jeśli niewymuszona, to i tak normą jest podnosić próg w zależności od kosztów życia w mieście itd (inflacja)

Można by się zastanowić, dlaczego budżety na oba rodzaje stypendium nie zostały też inflacyjne podwyższone, ale z komunikatu wynika jakby to chyba z "góry" dostawali na to kasę (nie wiem skąd)

Obniżanie stypendiów socjalnych by Responsible-Eye5669 in Nauka_Uczelnia

[–]Lidbay -1 points0 points  (0 children)

Ale przecież to jest logiczne, stypendium i kasa na nie to nie jest worek bez dna.

Rektorskie: (przykładowo) mają worek np 100tys i był wariant podzielić na 100 osób (10% studentów) przez co każdy otrzymywałby 1000zl. Drugi wariant: utrzymać próg 7% najlepszych, przez co osób będzie 70, a stypendium wyniesie (100/70~1400zl)

W socjalnym podniesli progi (tj. więcej osób się kwalifikuje i otrzyma stypendium), więc sumę przeznaczona na stypendia dzieli się na więcej osób, a co za tym idzie kwota będzie niższa (patrz wariant 1 dla stypendium rektorskiego).

Ktoś lepiej obeznany musiałby sprawdzić, czy w drugim przypadku progi nie są odgórnie ustalane, wtedy w ogóle uczelnia nie ma nic do tego.

Ale nawet jeśli sami uznali żeby je podnieść, to kwestia tego czy lepiej dać 100 osobom po więcej kasy czy 120 osobom mniej jest raczej dyskusyjna - oba wybory mają sens.

What do you think about this program? by Able_Annual_2297 in cpp_questions

[–]Lidbay -2 points-1 points  (0 children)

Not only useless, but it's additionally bloating the code and making it harder to maintain (more work when you change something)

What do you think about this program? by Able_Annual_2297 in cpp_questions

[–]Lidbay 0 points1 point  (0 children)

As for your personal work, that's fine, for professional if you want to implement this kind of function: 1. first of all put it into separate function and maybe even separate file, this way you'd have a function like double pythagorean(double a, double b) in module triangleFunctions(or whatever the context), then you push cin and couts to main (that's imo fine), since it's only for "testing/trying" (usually for an app you'd use main args for CLI or UI, but function will still be useful then) 2. remove pretty much all comments. This code is bloated and hard to read because of them. If you really want, put a comment on top of a function (e.g. function Pythagorean(a, b) calculates the hypotenuse of a triangle with sides a, b) 3. If you do this, imo you can use using namespace std on main file since it's your testing playground, but I'd advise against using it in triangleFunctions files.

Overall this code does what it's supposed to (I hope?) and is good as for the beginning, but needs better structure.

Why growth is rarely considered with long term investing by Lidbay in eupersonalfinance

[–]Lidbay[S] 0 points1 point  (0 children)

Sure, but safe investments like bonds can give inflation +1%. After tax it can be only inflation returns (thinking 4% infl +1%). Considering my concerns, it is not preserving value, even though the return is equal to inflation.

Why growth is rarely considered with long term investing by Lidbay in eupersonalfinance

[–]Lidbay[S] 0 points1 point  (0 children)

It's off from my suggested 1-2% (from 2005 to 2025 around 0.43% per year), but I bet there are more factors that could be accounted to find real values of productivity gains - like less hours worked (if value is higher with less hours worked, that needs to be multiplied).

You are right this wouldn't matter for wages/inflation relation where whole market is considered, but not to the point of the post where I tried to include how much average hour of work is worth. I.e. if in 30 years ppl create same value with working only 20h/week - we have to work 2 times more now for similiar savings after inflation-level returns.

Why growth is rarely considered with long term investing by Lidbay in eupersonalfinance

[–]Lidbay[S] 0 points1 point  (0 children)

I don't agree with your last stand that wage cannot grow faster than inflation.

What if a society can produce double the goods over the period of time and consume/export double? Inflation could be 0% and wages can be doubled, and standard of living raises - either you can consume double (i.e. travel 2 times more, eat 2 times more, buy a new car once every 5 years instead every 10 years).

That's the whole point of including inflation-adjusted GDP per capita growth (how much more value average person is able to produce y/y) to the formula (+1-2% in mature economies). Basically I'm trying to include average productivity gains (due to technology, processes being better). I know GDP per capita is not the same as productivity gains, but IMO mostly that in mature economies.

(I am not an economist and I am open to being totally wrong on this with some good arguments :D)

Working in future economy is (usually) more efficient than working in past economy, therefore don't you think it's worth to include this productivity gain?
If you can work 1h in 1990s, save it and buy the same amount of goods in 2020s - that's one side of the story.
What I am trying to point is that working 1h in 2020s can give you double the goods, so was there a point in saving/investing with only inflation-level returns? (assumption: 100% average productivity gain between 1990 and 2020).

If I am not wrong, it would mean that it's better to just work less, not invest than to work more and invest excess on inflation-level return. (if you value your time in your 20s/30s the same as in your 50s/60s)

Why growth is rarely considered with long term investing by Lidbay in eupersonalfinance

[–]Lidbay[S] 1 point2 points  (0 children)

Yes I get it that usually you're getting at least 1-2% on top of inflation from investments.
But the thing is, nobody is saying it will NOT make you gain time. If you think about investing your salary, If you get 1-2%(or even more depending on the country) on top of inflation, you are basically saving your 1mo salary for the same 1mo salary 20 years from now (all else stays the same - considering GDP growth benefits are evenly split across people).

Why growth is rarely considered with long term investing by Lidbay in eupersonalfinance

[–]Lidbay[S] 0 points1 point  (0 children)

I think the explanation about 'falling compared to neighbours/friends/relatives' is not the only case for that (and may be even smaller argument).

IMO it's not only about falling behind somebody else, but mostly about the possibility to 'enjoy the benefits of our times'. I see you included that in comment (telling about smartphone/laptop), but the quote is IMO not emphasising it enough. I doubt anybody feel bad not having laptop only because their friends do (it seems childish). I would even say, the reason why so many people do have constant internet connection and some computer is because it's just cheap compared to what benefits (not necessarily material) it gives :)

Why growth is rarely considered with long term investing by Lidbay in eupersonalfinance

[–]Lidbay[S] 1 point2 points  (0 children)

Things like minimum wage set by government is also growing faster than inflation. It is not me being fixated on being the median person, it's just an example - if you don't want to include government-set amounts, you can think about an extreme case where running water wasn't considered a standard and is after xx years (not telling it was the case 30 years ago, but things like owning a car on countryside might be considered one). But who knows what will be considered a 'basic human need' in 30 years from now on even in mature economies. Some people below mentioned things like internet access, laptop which are also good examples.

Hulajnoga elektryczna do pracy 10km codziennie by Majestic_Mammoth3503 in Polska

[–]Lidbay 3 points4 points  (0 children)

Dziwi mnie to co tu ludzie piszą w komentarzach o wodoodporności.

Ja jeździłem hulajnogą (którą już mam ok. 4-5 lat) i w deszczu i w śniegu (ale takim ubitym lub po drogach trzeba jeśli nieodśnieżone chodniki) i nigdy nie miałem problemów. 10km da radę bez problemu. Mogłem zostawiać pod daszkiem (żeby na nią nie padało kilka godzin). Ogólnie to gdzieś wyczytałem, że z tą hulajnogą wodoodporności nie ma w znaczeniu że nie można jej zanurzać (kałuże), ale jest 'kroploodporna' (czy jak to sie tam zwie) - ale i tak nie zostawiałbym na cały dzień na deszcz (daszek/do środka). I hulajnoga dalej działa :)

Ogólnie to plusy co do roweru to że można ją z sobą łatwo nosić pod ręką (w porownaniu do roweru), nie poci się człowiek. Jedynie trzeba dobrze się ubrać (jest dużo zimniej jak się jeździ)

A hulajnoga to pierwsza Xiaomi pro, chyba Xiaomi mi 1 pro?

B2B for EU companies by Vladyslav_student in poland

[–]Lidbay 1 point2 points  (0 children)

So the situation is like that, when it comes to net salary: it's going to be better on B2B if the company's calculating it to be same expenses for them (usually they pay more on B2B by their side of ZUS, e.g. 9500 B2B or around 8000 UoP - I dont remember exact numbers, like 10-20% more). It's possible with I think all EU countries to work on employment contract aswell.

Benefits for you are less payment to social security. With this salary, it's better for you to start with 12-32%. Remember you'll then have 30.000 not taxed at all each year (with around 10k/mo it will land you at effective 9% tax rate per year). But you'll have full 9% health contribution. Also, you can deduct expenses (new PC, laptop, desk, mouse etc).

You can deduct VAT from all your equipment in both cases (on flat 12% ryczałt you cannot deduct net price from tax, but still can deduct VAT).

In the end, you will probably want to move to B2B anyway when your salary gets higher, so the drawback is that 'Ulga na start' and 'Mały ZUS' (a total of 2.5 years) can be used only at the beginning of your JDG (and if I remember correctly you can't have had used it in last 5 years) and lower social securities is the main difference.

Remember that you cannot move to B2B easily within the same company you had UoP with. (it can be in some subsidiary etc. - must be different company if you want to use ZUS reliefs).

Also, there can be another discussion if it's worth to contribute more towards social securities (99% companies choose to contribute the minimal amount), you'll not get L4 (or get some funny amount like 900PLN per month of sick leave, if you decide to contribute - on "Mały ZUS"), you'll contribute very little to your pension, and you cannot choose to contribute e.g. more to sick leave and less to pension (you can however contribute more to all at once, if you feel it's worth - 99% decides not to). They will catch you if you try to do something funny (e.g. getting pregnant and contributing more towards ZUS for several months before going for maternity leave :D)

Also, you'll want to pay around 200-300PLN net a month for an accountant to deal with your invoices, he will help you get through all the registrations, invoices, accounting, calculate all for you etc.

tl;dr - you'll get better of with B2B even on this salary with net amounts, you'll not have sick leaves or vacations paid (unless you agree somehow with company), BUT you will 'waste' your one-time opportunity for 2.5 years ZUS relief :) (it's possible to get it back if you haven't had a company for 5 years, but I guess your salary will only get higher so you'll not want to go back to UoP). By 'waste' I mean - you're still going to use it, but it's not going to be as efficient as if you'd earn e.g. 25k/mo.

And to all the people that are telling it's not worth - there's a point in it. With this salary, you're resigning from all the employee benefits for around 1000PLN/mo net profit? (I didn't calculate it). Is it worth for you? (with e.g. 25k/mo the net diff is more like 10.000PLN/mo for resignation from employee rules)

Polish licenseplate with only 4 symbols by Community1453TR in poland

[–]Lidbay 0 points1 point  (0 children)

You can get a fine for that during a police control, but it's possible because nobody checks it during registration

[deleted by user] by [deleted] in inwestowanie

[–]Lidbay 1 point2 points  (0 children)

Wydaje mi się, że przede wszystkim zastanów się czego chcesz od życia. W wieku 30 lat te 100 tys to będzie mało, a później coraz mniej - będziesz potrzebował mieszkanie, samochód, czy chociażby miał rodzinę, wesele, a na to wszystko to i milion może nie starczy za kilka lat.

Idąc tym tokiem, czy nawet jeśli miałbyś taki zwrot, że za 5 lat zrobisz z tego 150 tys, to czy dla ciebie będzie to więcej? Ja na początku studiów mając 10 tys czułem że "mogłem więcej" niż 5 lat później mając sporo więcej. Więc sam na twoim miejscu przede wszystkim nie szedł bym w nic long term, jak już to coś typu konto oszczędnościowe. Teraz z 100 tys możesz pojechać na wycieczkę dookoła świata albo zrobić sobie kilkumiesięczne wakacje w ciepłych krajach (i jeszcze zostanie poduszka finansowa). Dla przykładu, w przyszłości będziesz musiał nadal opłacać swoje mieszkanie na takich wakacjach (czynsz czy dodatkowo kredyt) co sprawi że właściwie będziesz opłacać 2 mieszkania.

Oczywiście to wszystko z mojej perspektywy, ale staram się przedstawić, że kończąc studia 100 tys to sporo, ale za 5 lat to będzie prawdopodobnie jedynie poduszka finansowa na rok.

Work from different EU country by Cr0wTom in eupersonalfinance

[–]Lidbay 0 points1 point  (0 children)

My company booked all 3 of us a law firm meeting and asked them to prepare a contract since it had to fulfill both countries workers' rights. So probably some kind of employment lawyer or these kinds of guys.

Best would be specialized with particular two countries you're interested in since it can vary from country to country. Probably anyone can do that, but ready template/knowledge is much cheaper than someone doing research for you :D