TVPINFO — Portfel Kowalskiego
20260920 163000 UTC
438 transcript segments
Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking
Data courtesy of The GDELT Project (https://www.gdeltproject.org/), from the Internet Archive TV News Archive.
Machine transcription. Treat it as a searchable index of what was broadcast, not a verbatim quotation record.

[00:01:58] End of holidays, beginning of the school year. Having children, maybe it's worth considering
[00:02:01] insurance for specific events. What does the market
[00:02:05] offer and is it worth it at all? Among other things, about this today in Kowalski's wallet
[00:02:09] magazine, Marcin Kowalski, I invite you,
[00:02:11] let's start.
[00:02:17] Unsuccessful holidays, how to effectively file
[00:02:19] a complaint.
[00:02:23] Insurance for students, scope and costs
[00:02:26] of the policy.
[00:02:30] Increases access to gas and oil deposits, close cooperation with Norway
[00:02:33] in the most modern
[00:02:35] extraction project.
[00:02:39] We are already after the holidays, probably most of you have your
[00:02:42] holiday trips behind you. We assume that most of
[00:02:46] them were simply successful. But what if
[00:02:49] you feel that at least part of the service was not well
[00:02:53] performed, you have complaints, you want to
[00:02:56] complain about it? How to do it, where to go, and can
[00:02:59] you get your
[00:03:00] money back?
[00:03:05] For many of us, holidays are already history, but there are lucky ones
[00:03:08] who are just looking for attractive offers. How
[00:03:12] to choose the best one? First of all, calmness is
[00:03:15] recommended. Whenever we rush with
[00:03:18] holiday planning and do it at the last minute,
[00:03:22] we can make a series of
[00:03:25] truly unforgivable mistakes that can later
[00:03:29] take their revenge. If you are looking for cheap offers, you must also find your inner
[00:03:32] detective and not believe everything you read. You have
[00:03:36] 5 minutes, buy, for 50% cheaper.
[00:03:39] It turns out that such a portal is registered somewhere in the world
[00:03:43] and practically pursuing such
[00:03:45] claims is almost unreal. Experts also advise to approach
[00:03:49] photos showing paradise beaches and luxurious hotel
[00:03:52] interiors with great caution. Very often we get
[00:03:56] carried away by beautiful photos that are in the offer.
[00:04:00] For example, we fly at a different time, during the
[00:04:03] monsoon season, when it rains, there are strong
[00:04:06] winds, for example, closed beaches. Very often tourists do not
[00:04:10] take this into account and are disappointed, believing that their holiday
[00:04:13] has been wasted. Data from the Office of Competition
[00:04:16] and Consumer Protection indicate that, compared to last year, we are filing
[00:04:20] more and more complaints related to our holidays. In the first
[00:04:23] half of last year, over 1500 complaints
[00:04:27] were registered, and over 2000 in the seven months of this year. Most often we complain about poor
[00:04:30] hotel standards, poor sanitary conditions, the presence of insects
[00:04:34] or low quality of food. Often we also lack
[00:04:38] the promised sea view, and the infrastructure such as spa,
[00:04:41] aquapark or bars is not available despite promises.
[00:04:44] The distance from the beach is often greater
[00:04:48] than declared in the offer. For our
[00:04:52] holiday to be a dream holiday, it is worth checking when choosing an offer
[00:04:56] how old our hotel is and when it was renovated. This can be
[00:05:00] the first clue as to the quality of the pool, spa or room
[00:05:04] and how effective the air conditioning will be.
[00:05:06] Let's read the terms of the contract very carefully.
[00:05:10] If we care about at least a view,
[00:05:13] a view of the ocean, that this phrase, this sentence, is clearly
[00:05:17] articulated in the offer, from our, from our practice of the Office
[00:05:21] of Competition and Consumer Protection it results that there is a fundamental
[00:05:24] difference between a room that faces the
[00:05:27] ocean and a room that has an ocean view. What can
[00:05:31] a tourist do when, immediately upon arrival at the destination, they see that reality does
[00:05:35] not match the description in the brochure? Firstly, they must report
[00:05:38] the non-conformity of the contract on the spot, because it may turn out that the travel agency
[00:05:42] will resolve this inconvenience or this, or this improper
[00:05:46] provision of, for example, the room on the spot and will change
[00:05:50] the client's room, for example, because the client bought a room with a sea view
[00:05:53] and received one with a view of the proverbial rubbish dump.
[00:05:57] We can report all inconveniences that conflict with
[00:06:00] the provisions in the contract. However, not everything we don't like can be
[00:06:04] complained about. These may be, for example, temporary difficulties,
[00:06:08] a two-hour power outage or a temporarily
[00:06:12] non-functioning lift. Very often, tourists also
[00:06:16] complain about insects, for example, in some tropical countries,
[00:06:20] which are, however, the norm in a given region. As
[00:06:23] usual, the devil is in the details. It turns out that tourists
[00:06:27] can effectively complain about, for example, services whose quality is
[00:06:31] not, after all, written into the contract. I know an example of an accepted
[00:06:34] complaint in the case of a tour guide who, although
[00:06:38] was substantively prepared to perform their function, but during
[00:06:42] the entire trip allowed themselves to make inappropriate
[00:06:45] comments towards the participants of the entire
[00:06:48] trip. The participants
[00:06:51] came together and jointly filed a complaint. How
[00:06:54] to properly estimate our loss? Experts advise
[00:06:58] to use the so-called Frankfurt Table. This is not
[00:07:01] an official document, but a certain compilation that
[00:07:05] was created based on rulings of German
[00:07:07] courts. It also greatly helps Polish consumers in
[00:07:11] pursuing claims. This Frankfurt Table clearly
[00:07:15] indicates by what percentage discount, i.e.
[00:07:18] refund of the trip costs, we can claim for individual
[00:07:21] elements. Details of the valuations given in the Frankfurt Table
[00:07:25] can be found on the website of the Office of Competition and Consumer Protection. For
[00:07:28] example, up to 5% refund
[00:07:31] for dirty dishes or dirty cutlery, or up to
[00:07:34] 20% for no pool in the hotel.
[00:07:38] Why is this so important? Because
[00:07:41] the most common reason...
[00:08:12] if we have any written
[00:08:16] commitments that were signed on the spot,
[00:08:19] we should also keep all of this for potential
[00:08:23] claims. Of course, it's not about constantly checking
[00:08:26] or taking pictures of everything we don't like during our vacation.
[00:08:30] It's important that we know our rights, which are given
[00:08:33] to us by the contract with the vacation organizer. Travel agencies, which
[00:08:37] take over the obligation in accordance with the law from the beginning of the
[00:08:40] event until its end, are responsible in accordance with
[00:08:44] that law for caring for the client. If our
[00:08:48] travel agency operates in the Polish market, after returning from vacation, complaints can
[00:08:51] be directed to the Office of Competition and Consumer Protection.
[00:08:55] If the trip organizer is based in the European Union, Norway, Great
[00:08:59] Britain or Iceland, then the European Consumer
[00:09:02] Centre
[00:09:03] can help.
[00:09:07] Energy security and natural gas supplies to Poland,
[00:09:11] preferably from our own deposits. This is happening, for
[00:09:14] example, in the North Sea. We will now take you to
[00:09:17] Norway, where at one of the shipyards one of the most modern
[00:09:20] extraction projects in the world is being built, and
[00:09:24] Poland has a share in this
[00:09:26] project.
[00:09:30] At the Norwegian Aker shipyard, the third largest component of
[00:09:34] the Igdrasil extraction project is being built, which will start
[00:09:37] its operations in mid- 2027.
[00:09:40] In the construction of one of...
[00:10:12] at night, it has dramatically increased in recent years, and this is very good
[00:10:16] news, because as we can see from import data,
[00:10:19] especially from the period after 2022,
[00:10:23] raw materials from Norway have replaced Russian raw materials on the European market.
[00:10:27] When Russia launched a full-scale invasion of Ukraine, when it started
[00:10:31] to turn off the gas and oil taps, it was primarily Norwegians,
[00:10:35] or rather, in fact, primarily Norwegians, who started to export
[00:10:38] more. So the presence here on the Norwegian continental
[00:10:41] shelf in developing projects is absolutely crucial,
[00:10:44] and we have been experiencing this essentially since the beginning of these
[00:10:48] European energy problems, which we have been noting for four
[00:10:51] years, that it was worth investing here. After all, the Baltic Pipe gas pipeline, which
[00:10:55] smoothly came online when the Russians halted gas supplies
[00:10:58] to Poland, is supplied with gas precisely from this
[00:11:02] region, precisely from Norway. This is very important
[00:11:06] that we remember what the geographical
[00:11:09] orientation of raw material supplies to Poland looks like now.
[00:11:13] And as for the Baltic Pipe, what is its
[00:11:17] transmission capacity? That is, essentially everything
[00:11:20] that Orlen
[00:11:23] together with its partners, because it has different stakes in different
[00:11:26] projects, but it is able to extract, also in
[00:11:29] the future, through this pipe, colloquially speaking, we are able to
[00:11:32] deliver it to Poland, to Europe? The annual capacity of the Baltic Pipe gas pipeline
[00:11:36] is 10 billion cubic meters, of which Orlen has reserved
[00:11:40] about 8 billion cubic meters, half of which
[00:11:43] it satisfies with its own deposits, so even
[00:11:46] if gas extraction were to increase, there is still some room
[00:11:50] that can be used to send this Norwegian gas
[00:11:53] extracted by Orlen. Of course, this depends on market
[00:11:57] conditions, on how the local market and trade in this
[00:12:00] raw material will shape up. However, it can be said that
[00:12:03] thanks to investments in Norway, thanks to
[00:12:07] our presence here, we are satisfying a significant part of our
[00:12:11] gas needs. One could say through our own extraction
[00:12:14] and transmission chain, because we have
[00:12:17] extraction capabilities on the Norwegian shelf and infrastructure for
[00:12:21] gas transmission. We receive it and in the future, right...
[00:12:25] we will similarly re-export it to other
[00:12:28] Central European countries, because a gas hub is being built
[00:12:31] in Poland. And as for this direction, Norway and
[00:12:35] the North Sea or the Barents Sea,
[00:12:38] is it true that one can essentially focus 100% here
[00:12:41] and secure 100% of energy needs, in terms of
[00:12:45] raw materials, mainly natural gas. Of course, we must be
[00:12:48] adjusted to transmission capabilities, because
[00:12:52] Norway can export LNG, it can export
[00:12:55] pipeline gas to Europe, but these capabilities are somewhat
[00:12:59] limited, and it is also worth drawing conclusions from
[00:13:02] Poland's previous energy policy, meaning geographical
[00:13:05] diversification is also important. One should not focus
[00:13:09] excessively on one direction, because history
[00:13:12] shows that if there were any disruptions for various reasons
[00:13:16] at one supplier, then one could
[00:13:19] be left with a problem. Just two more words about
[00:13:23] this project, because it is also very interesting in many respects,
[00:13:26] right?
[00:13:28] It is said that it is a symbol of the 21st
[00:13:32] century in terms of extraction and power supply and
[00:13:35] control, it is a kind of breakthrough when
[00:13:39] it comes to exactly this type of technology. Here in Stord it is said
[00:13:42] that what is being built behind us is so-called state of the art, it is
[00:13:46] the culmination of technological development when it comes to
[00:13:49] the construction of such facilities as drilling platforms. The one behind
[00:13:52] us, which is the main form for the
[00:13:56] Igdrasil field, will be very limited in terms
[00:13:59] of crew, meaning typically several hundred people
[00:14:02] work on such platforms, sometimes even half a thousand, so these are like
[00:14:06] floating cities, while here only 40 will work because
[00:14:10] the crew will be limited by moving, for example,
[00:14:14] the field management center to land, which will connect
[00:14:18] with the platforms via a fiber optic cable, and thanks
[00:14:21] to this, from the land, it will be possible to control
[00:14:25] extraction. This is a novelty, it is a kind of innovation
[00:14:29] in the extraction process, which completely changes,
[00:14:33] let's say, the necessity of building infrastructure on
[00:14:35] the platform, its economy, if we talk about, for example,
[00:14:39] food and so on, and so forth, it is also
[00:14:42] an architecturally or engineer-wise very
[00:14:45] extensive project, and another interesting fact, the entire thing will be
[00:14:49] powered mostly by green energy, generally speaking,
[00:14:53] when it comes to power supply.
[00:14:57] via an electrical cable from Norway, which at this
[00:15:01] moment is 95% powered by renewable
[00:15:04] sources, mainly hydropower, so this also
[00:15:07] affects the so-called energy
[00:15:11] management of these projects. From the point of view of Kowalski's
[00:15:14] contract, one might ask whether Orlen's
[00:15:17] operations in Norway
[00:15:21] make us energy independent or in any other
[00:15:25] way can we, as consumers, benefit from this? Of course, this
[00:15:28] is also a profitable raw material, it is profitable to
[00:15:32] extract it here. Norway, thanks to its
[00:15:35] extraction industry, thanks to the deposits located
[00:15:38] there, is building its economic potential, but also
[00:15:41] of course, the entities operating here also benefit from this.
[00:15:45] However, it is an important element at
[00:15:48] this moment, second only to the United States, when it comes to our
[00:15:51] partners in terms of energy
[00:15:54] raw material supplies, which builds Poland's energy
[00:15:57] security.
[00:16:01] Additional insurance for children in school. Some parents might
[00:16:04] be interested in such a solution. But what
[00:16:08] does the market offer and is it actually
[00:16:09] worth it?
[00:16:15] September 1st is behind us, and expenses related to the new school
[00:16:18] year. Whoever hasn't bought insurance for a student
[00:16:21] still has a chance to do so. And although in Poland there
[00:16:24] is no such obligation, experts advise not
[00:16:27] to save on the safety of our children. On average, about
[00:16:31] 2500 accidents involving children occur annually,
[00:16:34] and most of these accidents take place
[00:16:38] in schools, which is why it's worth considering
[00:16:41] having financial security for even minor bodily injuries,
[00:16:45] because about 60% of these accidents are sprains
[00:16:49] and limb injuries, so that in case these events occur, you have
[00:16:53] secure finances. According to statistics, over
[00:16:57] 80 accidents involving children occur daily, most often in
[00:17:00] gymnasiums, sports fields, and school corridors of elementary schools. Over
[00:17:04] 60% of them are fractures and sprains.
[00:17:22] It is worth using them, but experts advise to check what exactly
[00:17:25] they offer beforehand. Often, this school insurance has lower sums
[00:17:28] insured, a smaller scope, because it needs to
[00:17:32] be tailored to the budget of each
[00:17:34] parent. that the scope is not
[00:17:38] sufficient, we can insure the child
[00:17:42] individually, and in case of an accident, we will receive payment from both
[00:17:46] sources. If a parent has a limited budget at the beginning of the
[00:17:49] school year, they can purchase a cheaper version of school
[00:17:53] insurance, then two or three months
[00:17:56] later, purchase an additional, higher- variant that will more comprehensively
[00:17:59] secure their needs and the child's needs.
[00:18:03] It is important to maintain the continuity of the policy, because
[00:18:06] school insurance is valid throughout the calendar
[00:18:09] year, even outside of school. What is important in the contract
[00:18:13] is the overall sum insured. When an accident
[00:18:16] occurs, we receive a percentage of that
[00:18:19] sum. Different companies have
[00:18:22] different tables, it's worth checking in the table how much we will receive, for example, for
[00:18:26] a broken arm, for a broken leg, whether it will be a few, several
[00:18:29] percent, for very serious accidents, it is
[00:18:32] of course close to 100%. Let's see
[00:18:36] what support can we expect, for example, in case of a seemingly minor
[00:18:40] bicycle accident, during which the child
[00:18:43] broke their thumb and suffered a concussion.
[00:18:46] Assuming that the total sum insured is
[00:18:49] 8000 PLN, the insurer will pay us
[00:18:53] 3200 PLN. In the case of
[00:18:56] a dog bite, with the same sum insured, for a visit
[00:18:59] to the emergency room we will receive 1500
[00:19:02] PLN, and for stitching three wounds 2400
[00:19:06] PLN. If children actively participate in sports,
[00:19:09] experts advise to consider increasing the total sum
[00:19:12] insured, because such activity unfortunately carries the risk
[00:19:16] of more frequent injuries. It is worth remembering that each policy
[00:19:19] may have so-called exclusions. These are usually
[00:19:22] exclusions for extreme sports, such as mountain
[00:19:26] climbing, diving or shooting. However, as a
[00:19:30] general rule, if a child simply plays sports, goes to a club, plays
[00:19:33] football in the yard, most insurance companies within
[00:19:37] their school accident insurance offer
[00:19:39] also cover these activities. Of course, there is no
[00:19:43] single list of such exclusions, most often they concern participation
[00:19:47] in extreme sports or the deterioration of a student's health due to
[00:19:50] previously diagnosed chronic illnesses.
[00:19:53] The exclusion also applies to situations where a child is injured
[00:19:56] while under the influence of alcohol or drugs, as well as
[00:20:00] when they cause an accident while driving, for example, a scooter without
[00:20:04] a license or riding a scooter without a helmet. We have no
[00:20:07] chance for compensation, also when the student is injured
[00:20:11] during a fight, unless we prove so-called self-
[00:20:14] defense. Always the basis for paying compensation
[00:20:18] is documentation regarding the child's medical
[00:20:22] assistance. As you can see, before we sign a policy, we must
[00:20:25] carefully read all its terms, including those
[00:20:28] regarding civil liability, or OC. This is
[00:20:32] particularly important, for example, for students of technical schools
[00:20:35] or vocational school students, where additionally this clause covers
[00:20:39] events that could occur if, for example,
[00:20:43] during school practical training an accident occurs and property
[00:20:46] or the health of
[00:20:50] another person is damaged. In connection with the growing problem
[00:20:53] of online hate in schools for years, insurance
[00:20:56] companies also offer appropriate policies. Such
[00:21:00] insurance typically offers IT support to
[00:21:04] remove harmful content from the network, and on the other
[00:21:07] hand, psychological support for the child and
[00:21:10] family to cope with this very difficult situation. Insurance
[00:21:14] can also cover the costs of potential legal advice or
[00:21:17] securing appropriate documentation. Is there
[00:21:20] an optimal policy? Of course
[00:21:23] not, because considering the large number of potential threats, it is difficult
[00:21:27] to create a universal insurance. Its terms and
[00:21:30] price will depend on the child's age, interests, type
[00:21:34] of education, and many other factors. The highest variants
[00:21:37] of insurance, and here the sums insured are above
[00:21:41] 100,000 PLN,
[00:21:44] it is about 40 PLN per month, so we must remember
[00:21:47] that we are talking about the sum insured.
[00:21:56] In case of any disputes with the insurer, problems with the
[00:21:59] amount of compensation or its payment, we can ask for
[00:22:03] help in negotiations from the Financial Ombudsman's
[00:22:05] office.
[00:22:10] Now in Kowalski's Wallet magazine, we invite you to a review of what we believe are the most
[00:22:14] interesting economic events in
[00:22:16] the world.
[00:22:20] This is the first such decision in three years. The US Federal
[00:22:23] Reserve unanimously raised interest rates by
[00:22:27] 25 basis points. This is a response to persistent inflation,
[00:22:31] which is higher than expected.
[00:22:34] As stated in the monetary policy statement,
[00:22:36] economic activity is growing at a solid
[00:22:40] pace, although the level of uncertainty remains high, partly due
[00:22:43] to geopolitical events. The decision
[00:22:46] puts the central bank at odds with Donald Trump's repeated
[00:22:50] calls to lower credit costs. According to him, the United States should
[00:22:54] have the lowest interest rate in the world to support
[00:22:57] economic growth. The timing of the hike is also important. The decision
[00:23:01] came just 7 weeks before the midterm elections, which could
[00:23:05] further increase political tensions, but Donald
[00:23:08] Trump's policy also affects inflation in Great Britain. The inflationary
[00:23:12] pressure we are experiencing stems from the situation
[00:23:15] in the Middle East. Of course, it also causes problems in markets
[00:23:19] around
[00:24:20] regulations would oblige social media platforms to verify users'
[00:24:23] age when creating accounts using special
[00:24:27] technology. I am in favor of introducing a ban, because as
[00:24:30] a psychologist, I deal with this problem. Through social media,
[00:24:33] children increasingly lose concentration more easily and are more quickly
[00:24:36] distracted. Their ability to focus attention is therefore increasingly
[00:24:39] diminished. When it comes to contact with other people, it no longer looks like
[00:24:43] it did when we were teenagers or children. I do not
[00:24:47] think that governments should impose such.
[00:25:28] If this money is actually used to improve the
[00:25:32] situation in the area, then I have no
[00:25:34] objection.
[00:25:36] People assume that this money will be used, for example, to keep
[00:25:40] beaches clean, which is why paying a small amount would be
[00:25:43] reasonable, but everything depends on its
[00:25:46] amount.
[00:25:50] I'm in favor of it. Traveling to Cornwall is already
[00:25:52] expensive. It's a beautiful place, but adding another tax...
[00:25:56] No, I'm not a fan of this
[00:25:58] idea.
[00:26:02] want to spend less money on tourist attractions or in local
[00:26:06] restaurants, bars, and
[00:26:07] pubs.
[00:26:10] The government's plan to introduce a tourist tax will inevitably make
[00:26:14] holidays more expensive. An additional cost of
[00:26:18] 5% effectively means that families with very tight budgets
[00:26:22] will have to make really difficult decisions about whether
[00:26:25] to go on holiday at all, and if so, whether they will have enough
[00:26:29] money left for expenses during the trip.
[00:26:33] According to Oxford Economics, the full implementation of a 5% fee
[00:26:37] could cost the British economy around 33,000
[00:26:40] jobs by 2030. The industry estimates
[00:26:44] that losses to the economy will amount to over 2 billion
[00:26:47] pounds.
[00:26:52] Today, these are all the topics we have prepared for you. We will meet
[00:26:55] again next week at the usual time. See
[00:26:57] you then.
[00:27:15] What is important to you is important for us too. Share with us
[00:27:19] what's interesting, disturbing,
[00:27:21] funny. Take a photo or record a video and send it to your
[00:27:25] Monkey
[00:27:26] TVP.info.
[00:27:34] Monday, I also couldn't wait,
[00:27:37] from Monday to Wednesday in Kaupland, mineral water
[00:27:41] Muszynianka at 64 for a 1.5-liter bottle when buying
[00:27:44] 12, and Purina One cat food, buy one package, get the second cheaper
[00:27:47] for free,
[00:27:51] everything better
[00:27:52] has changed,
[00:27:57] so it watches like in the cinema,
[00:27:58] oglądało,
[00:28:04] Televisions, vacuum cleaners, refrigerators and many others now at
[00:28:08] super prices, plus Euro has arrived and
[00:28:11] guaranteed the lowest prices, Euro
[00:28:15] has arrived, it's cheaper in stores at
[00:28:18] Eurocom. Sebastian, Abaśka asks if you can take a cash loan for kitchen renovation?
[00:28:21] Of course you can, for the kitchen, for
[00:28:25] the car, for what you need, for an investor, calmly
[00:28:29] gain peace with banks. discovered
[00:28:44] in 1492 Red Bull gives you
[00:28:48] wings
[00:28:51] if your cat has given you something to buy,
[00:28:54] then I propose frankfurters and Sokołów frankfurters, the taste of frankfurters starts
[00:28:57] with meat, and these have 100% Sokołów quality meat, frankfurters
[00:29:01] from Sokołów, 100% meat from a sink, look
[00:29:05] new from Listerine, now a wider choice, mild or
[00:29:08] intense, burning if you like, with one
[00:29:11] you do it, and with the other, please
[00:29:14] me, Listerine for the health
[00:29:17] of the entire oral cavity, cheap, cheap, cheap, Waldy's
[00:29:21] week, every day fresh fruits, vegetables and meat at super
[00:29:24] prices, for example, raspberry tomatoes 6.99 per
[00:29:28] kilogram, minced pork shoulder 99 groszy for every second
[00:29:31] package. question about Waldy's week every week,
[00:29:57] days of benefits in Dacia showrooms from September 19 to 26
[00:30:00] selected model
[00:30:08] Hey, what if we have
[00:30:12] so many wonderful memories?
[00:30:25] Discover new lower prices at IKEA and make
[00:30:28] space for what you love. Ikea
[00:30:31] better. A well-thought-out home,
[00:30:47] Magdalena Śleziak, good evening, we are starting the
[00:30:50] news service. This Friday at the Polonia Theater,
[00:30:53] the premiere of the monodrama Balfoperze based on Julian Tuwim's poem
[00:30:57] performed by Artur Barciś will take place. This
[00:31:00] is a bitter commentary on the times before the war.
[00:31:02] And still relevant today, it concerns politics, power and manipulation.