TVPINFO — Portfel Kowalskiego
20261012 021400 UTC
414 transcript segments
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Machine transcription. Treat it as a searchable index of what was broadcast, not a verbatim quotation record.

[00:00:00] no, well, over 100 PLN lower than
[00:00:02] a man's, a man's average pension.
[00:00:06] at this moment, by introducing
[00:00:09] such an instrument as a widow's pension, it allows
[00:00:12] or enables additional income.
[00:00:16] Of course, not every senior
[00:00:19] can apply for a widow's pension. The most important criterion is
[00:00:23] the amount of both benefits, which cannot exceed
[00:00:26] three times the lowest pension. The lowest
[00:00:29] pension is over 1978
[00:00:32] PLN gross, so the upper limit is a little over
[00:00:35] 5935
[00:00:37] PLN gross per month. If the sum of benefits exceeds this threshold,
[00:00:41] the payment will be reduced by the amount by which the limit was exceeded.
[00:00:45] A senior who has not previously applied for a widow's pension must submit
[00:00:49] an appropriate application to ZUS. The application can be submitted either
[00:00:52] in the traditional paper version at customer service offices,
[00:00:56] which I strongly encourage you to do, if any questions arise regarding
[00:01:00] the application, the employees of the Social Insurance Institution will immediately
[00:01:04] help to fill out such an application, it can be sent
[00:01:07] by post and submitted electronically. ZUS
[00:01:10] encourages the use of two
[00:01:12] received only the motherboard, and tools that can be found on the website www.zus.pl.
[00:01:16] The first is a questionnaire with a few simple questions: it
[00:01:20] dollars. We estimate that it will fetch a price of asks about gender, date of birth, age of widowhood and thanks to such
[00:01:24] a questionnaire we will not have to come to ZUS and
[00:01:27] ask an employee whether such a benefit is due or not,
[00:01:31] such a questionnaire will allow us to answer this question. On the website
[00:01:34] ZUS.pl there is also a calculator that will help choose the most favorable
[00:01:38] option for us for a widow's pension.
[00:01:41] Before we go to the website, let's check whether we meet the conditions to
[00:01:44] apply for a widow's pension. First of all, we must have reached the universal
[00:01:48] retirement age, i.e. 60 years for women and 65
[00:01:52] years for men. We can acquire the right to a family pension not
[00:01:55] earlier than after reaching the age of 55 in the case
[00:01:59] of women, and 60 years in the case of men. At the time
[00:02:02] of death, we must be in marital communion with the deceased person
[00:02:06] and not enter into a new
[00:02:09] marriage, because a widow's pension is granted only
[00:02:12] after the last spouse. Applications for a widow's pension are available
[00:02:16] at ZUS offices and on the website www.zus.pl.
[00:02:19] Online applications can also be submitted on the
[00:02:22] puezus platform.
[00:02:27] when we plan to buy an apartment, we realize that
[00:02:30] there is a shortage of apartments and they are usually very expensive, but
[00:02:34] this situation may change, because demography will affect
[00:02:37] the real estate market, this will not affect large cities, but it will very
[00:02:41] often already be visible in smaller centers, how will this
[00:02:45] look in the coming years, how will prices develop,
[00:02:48] let's check,
[00:02:53] what can determine the prices and availability of apartments in
[00:02:57] 10 or 15 years, according to analysts,
[00:03:18] 55th year of the last century,
[00:03:21] almost 70% of people have something of their own,
[00:03:24] their own property, so it's a huge resource that
[00:03:28] will go and must '
[00:03:31] the way we buy and sell apartments
[00:03:34] will also change the offer. Demography is inexorable, there will be
[00:03:38] more seniors who own one or more already furnished
[00:03:41] apartments that will go to the secondary market. Developers may be
[00:03:45] forced to sell not just raw apartments,
[00:03:49] but to compete with apartments entering the secondary
[00:03:53] market, these will already be apartments furnished at least in a basic
[00:03:56] way, and this will be the new developer standard.
[00:04:00] Buyers of new apartments can benefit from this, because the developer standard
[00:04:04] will not necessarily mean bare concrete plaster screeds
[00:04:07] instead of floors? how many apartments will enter the secondary market?
[00:04:11] Approximately 400,000 people die annually,
[00:04:15] half of that are born.
[00:04:17] Therefore, if of these
[00:04:21] 400,000 dying people, at least
[00:04:23] half owned their own property, then these properties
[00:04:27] after five years, after inheritance proceedings...
[00:04:30] enter the secondary market, and
[00:04:33] considering year to year, in 10 years, several hundred
[00:04:37] thousand apartments will be in circulation on the secondary market.
[00:04:40] The demographic crisis may also cause stratification among
[00:04:44] potential buyers, because people who will
[00:04:48] inherit apartments from their parents or grandparents will appear on the market, perhaps they will not
[00:04:52] use a mortgage or cash at all, they will simply have a property
[00:04:56] that they can use to satisfy their own housing needs, or monetize it.
[00:05:02] will find themselves in a different situation on the market as a buyer who will take out some small loan in order to change
[00:05:05] their location or standard. There will also be people who were not so
[00:05:09] lucky as to inherit apartments as an inheritance. These will be
[00:05:13] condemned to take out loans or to rent, will
[00:05:16] demography influence price reductions?
[00:05:19] Certainly there will be regional changes visible
[00:05:23] in such a way that in small towns, where this
[00:05:26] demography is even more distorted in the sense that fewer
[00:05:29] and fewer people are born there, and more and more leave, I would
[00:05:33] say, from these towns to larger towns, well,
[00:05:37] there may even be something like a very
[00:05:40] significant drop in prices. It is estimated that even 100, 120
[00:05:44] thousand apartments or housing units
[00:05:47] unfortunately resulting from inheritance,
[00:05:49] this will not cause any changes in large cities,
[00:05:53] that we would notice here. In
[00:05:56] localities offering attractive employment and studies, apartments
[00:06:00] may even become more expensive. Most often, apartments in large cities
[00:06:03] were built in the system of the so-called large panel, they may not be very
[00:06:07] large, but they have a very good location in city centers
[00:06:11] or near them.
[00:06:42] more and more actions aimed at disposing of property during
[00:06:46] one's lifetime,
[00:06:49] fewer life annuity agreements appear, probably because they are
[00:06:52] subject to tax on civil law transactions. A senior who
[00:06:55] decides to donate an apartment has several
[00:06:58] options: he can do it by a deed of gift, by
[00:07:02] will or a life annuity agreement. Each of these
[00:07:06] options is worth discussing in the family circle, and also
[00:07:09] seeking advice, for example, from a notary.
[00:07:16] They have many years of experience, are loyal and
[00:07:19] can contribute a lot to the company.
[00:07:22] Employees over 50, despite this, have serious problems
[00:07:26] finding new work. Why is this happening? Why are companies
[00:07:29] reluctant to employ employees over 50 and can
[00:07:33] this change? We decided to look for answers to
[00:07:36] these questions.
[00:07:42] information stresses everyone, regardless of education, professional
[00:07:46] achievements or age, but in the case of older people, there is
[00:07:50] additional stress, because according to experts, anyone who has already turned 50
[00:07:54] has less chance of finding a job. The Polish Economic
[00:07:58] Institute conducted an experiment where they sent CVs
[00:08:01] of people over 50 and CVs of younger people, these were
[00:08:05] very similar experiences, qualifications, but
[00:08:08] there was less response to the application
[00:08:11] of an older person, over 50 years old, which
[00:08:15] indicates, however, that
[00:08:17] they may encounter discrimination in the Polish
[00:08:21] labor market. The experiment involved people aged 28
[00:08:25] and 52 years. Older candidates received on average
[00:08:29] half fewer invitations to interviews than
[00:08:32] 28-year-olds. The last 30 years and these
[00:08:35] negative changes in terms of the aging of
[00:08:38] society, the decreasing number of people of working
[00:08:41] age, we will truly feel them only after some time,
[00:08:45] and then it should become
[00:08:48] increasingly clear to employers that employing people
[00:08:52] over 50 is already a necessity, not
[00:08:55] an option. However, the situation of the so-called silvers, i.e. people
[00:08:59] over 50 years of age, is not easy. Employers
[00:09:02] would most gladly employ 30-year-olds with many years
[00:09:06] of experience, but there are few such people on the market. Research shows
[00:09:09] that people over 50 years of age search for work
[00:09:16] about 6 months longer than younger people, and nine out of ten job applications from silvers remain unanswered.
[00:09:19] So what advice can be given to such people who
[00:09:22] are looking for work? First of all, to stay calm, that
[00:09:26] is the hardest part, that helps the most in the whole job
[00:09:30] search process. The good news is that there is still a shortage of
[00:09:33] vacancies on the Polish market. The last
[00:09:37] quarter of 2026 ended with a hundred thousand open
[00:09:41] vacancies, as you can see.
[00:09:58] The best recruitment option is to act through people who know us from our professional lives, former colleagues, clients, cooperators,
[00:10:02] these are people who had the opportunity to get to know us, to see what
[00:10:05] we are capable of, what our quality is, for them we will not be an anonymous person from a
[00:10:09] CV, but we will be a person
[00:10:13] who, in some sense, has proven themselves, even when searching for a job, it is worth ensuring a
[00:10:17] well-written CV, if someone has not changed jobs for
[00:10:20] several years, it is worth finding out what should be included in it.
[00:10:23] Let's enter modern job titles,
[00:10:27] even if they differ slightly from those we actually held,
[00:10:31] but describe what we actually did, then let them be more
[00:10:34] up-to-date, let's use these words, these phrases,
[00:10:37] keywords that appear in the advertisement,
[00:10:40] of course, if they are relevant to our experience, consider
[00:10:44] which of our professional experiences are
[00:10:47] most appropriate for this position, most related
[00:10:51] to it and focus on these above all. In large
[00:10:54] companies, the initial recruitment of submitted applications is carried out by
[00:10:58] computer systems cooperating with artificial
[00:11:01] intelligence, so it is better to include
[00:11:04] short information in our CV and focus on the most important ones, showing our
[00:11:08] professional path from the last 10, 15 years. First
[00:11:11] of all, emphasize your professional experience, if
[00:11:15] you have it, or other advantages related to
[00:11:18] qualifications, skills,
[00:11:21] openness to teamwork, to the fact that
[00:11:25] such a person wants to educate themselves,
[00:11:27] wants to acquire knowledge, to learn
[00:11:30] the secrets of this new job. When we have already
[00:11:34] passed the first stage, we have an invitation to an interview, let's prepare
[00:11:37] well for it, because there will be no second chance. It is worth
[00:11:41] learning as much as possible about the potential employer and their
[00:11:44] expectations, about the position they are recruiting for, to
[00:11:48] show that we are truly interested and
[00:11:51] have prepared ourselves. Consider which of ours are
[00:11:56] most suitable for this position, most closely
[00:12:00] related to it, and focus on those above all.
[00:12:04] A skill worth presenting is flexibility in thinking,
[00:12:07] the ability to adapt, to adjust to new conditions,
[00:12:11] to take into account the employer's expectations, not just my
[00:12:14] knowledge acquired a few years ago. I think
[00:12:17] employers avoid people who know everything better. When
[00:12:21] we talk to our potential employer, remember that we were invited
[00:12:24] to the team, but for example, I increased
[00:12:27] sales by 18%. Let's also talk about transformational experiences.
[00:12:44] Today, employers are looking for people who have made
[00:12:48] changes. Most companies are in permanent change, and this will not
[00:12:51] change for a very long time. This change may concern our qualifications.
[00:13:11] the center, to find out what is needed in it, and as a person
[00:13:14] who already sees it quite clearly, to find a place for myself
[00:13:18] in such an organization that would better suit my expectations. During the interview,
[00:13:22] it is not worth hiding exch-
[00:13:35] The exchange of knowledge and experience can bring success, so emphasizing teamwork, it's
[00:13:39] not about wanting to take someone's position, but
[00:13:42] to be that complement, support for the good of
[00:13:46] the company, for the implementation of the company's goals. I think
[00:13:49] the main value of people of that age is
[00:13:53] extensive experience, and from that... experience also often comes intuition, such
[00:13:57] professional intuition, artificial intelligence does not
[00:13:59] have this, because it is trained on general
[00:14:03] data, it does not know the specifics of a given
[00:14:06] workplace, a given company, a given position. Will the labor
[00:14:10] market ever need an employee over 50 years
[00:14:14] old? We don't know that, but the growing influence of artificial
[00:14:17] intelligence, which is based only on previously collected data, gives
[00:14:21] hope that people who think independently, experienced, who want
[00:14:24] to develop and teach younger people, will be
[00:14:28] very needed.
[00:14:33] In the Portfolio of Kowalski program, we also take you on an international journey. So it's time for
[00:14:36] a review of the most interesting, in our opinion, economic events from
[00:14:39] around the world.
[00:14:44] Inflation is hitting Germans in the pockets and increasingly affecting
[00:14:48] their decisions at the ballot box. Rising
[00:14:51] electricity, heating and fuel bills are making voters
[00:14:55] increasingly attentive to politicians' promises:
[00:14:58] politicians must finally address the problems of people here in the country,
[00:15:02] they cannot constantly focus solely on great world politics,
[00:15:06] they must also solve problems that directly affect ordinary
[00:15:09] people. Berlin residents admit that high bills and fuel
[00:15:13] prices played a role in voting in recent regional
[00:15:16] elections.
[00:15:19] No party has really managed to lower energy
[00:15:22] prices. We've already tried the SPD.
[00:15:56] Germans are being exploited by the far-right Alternative for Germany, which
[00:16:00] is gaining popularity. The government is trying to save the situation with
[00:16:03] petrol price cuts, but Chancellor Merkel's party already has a
[00:16:18] historical defeat in regional elections behind it. It once cost several hundred dollars, today it is worth a fortune. One of the first Apple computers went up for auction,
[00:16:21] collectors can pay even
[00:16:24] 800,000 dollars for it. This
[00:16:27] copy is particularly unique because the motherboard
[00:16:30] bears the signature of Steve Wozniak, and the computer
[00:16:34] includes a letter signed by Steve Jobs.
[00:16:38] The computer was bought in 1976
[00:16:41] by Fred Hatfield, when Apple was just beginning to conquer
[00:16:44] the market, it had no casing or monitor, the customer actually
[00:16:50] had to buy the rest.
[00:16:52] When Apple introduced it to the market, it cost
[00:16:55] 666
[00:16:58] 500 to 800
[00:17:01] thousand dollars at auction. To this day, fewer than
[00:17:04] 75 confirmed copies have survived.
[00:17:08] and only some
[00:17:09] still work.
[00:17:13] Cuba says goodbye to food rationing cards. After decades
[00:17:17] of operation, state stores where Cubans could buy basic
[00:17:20] products at subsidized prices are gradually being replaced
[00:17:24] by new private neighborhood stores.
[00:17:28] I am 82 years old and my pension is 300
[00:17:31] pesos, which is less than 4 dollars. Imagine that
[00:17:35] I come here to shop, I could buy a bottle of oil, that's
[00:17:38] all. Cuba has been struggling with an economic crisis,
[00:17:42] food shortages and a decline in the value of money for years. New stores
[00:17:45] are supposed to improve supply, but with the end of state subsidies,
[00:17:49] basic purchases may become an even greater burden for
[00:17:52] residents.
[00:17:55] I wouldn't say it's cheaper here, it's just a little
[00:17:58] less expensive. Even if those stores were old and
[00:18:02] neglected, they were close to home, and the prices were
[00:18:05] affordable.
[00:18:49] Ecologists demand a halt to work and verification of whether the investment is
[00:18:52] compliant with the law. Residents, however, primarily look at the
[00:18:56] benefits, counting on new jobs, development of local
[00:18:59] businesses and money, which was previously lacking in the small
[00:19:02] municipality.
[00:19:07] its scale, but I am positive.
[00:19:09] There is still the issue of electricity: data
[00:19:13] centers consume huge amounts of energy, so there are
[00:19:17] concerns about its future prices. However, the authorities of Muchos assure
[00:19:21] that the investment will completely change the future of the town
[00:19:24] and the entire
[00:19:25] region.
[00:20:01] gentlemen, ready to
[00:20:02] start,
[00:20:05] not so fast. This time it won't be so
[00:20:09] fast, Bravera Control is a spray medication to
[00:20:12] prolong your time, easy to apply, works
[00:20:16] within minutes, this is a medication, for safety, use it according to
[00:20:20] the leaflet included in the package and only when necessary, in case
[00:20:23] of doubt, consult a doctor or pharmacist and live
[00:20:26] long and
[00:20:27] happily.
[00:20:31] In business as in
[00:20:33] the mountains.
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[00:20:42] further to the right, it's with a trusted partner, with
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[00:21:07] Buy Duda brand cold cuts and play for Duduś mascots,
[00:21:11] a console and 5000 PLN.
[00:21:14] He is the most passionate lover in the world, his
[00:21:18] touch ignites not only women's hearts, it's not charm,
[00:21:22] it's a higher power, it took climax to another
[00:21:25] level, always higher, always longer,
[00:21:28] such guys are only in movies, you
[00:21:31] will become a hero thanks to Inventum
[00:21:33] Max.
[00:21:36] This is a medicine for safety, use it according to the leaflet enclosed in the package, pay
[00:21:40] attention to contraindications, in case of doubt, consult a doctor or
[00:21:43] pharmacist.
[00:22:11] talk about what hot topics this Sejm session brought us, and it brought a lot,
[00:22:15] usually on Friday at this time we have votes, just like we had during our last
[00:22:18] Sejmograf, when a Deputy Speaker of the Sejm was elected, but this
[00:22:22] time the votes were moved to Thursday evening, that is yesterday,
[00:22:25] and indeed many laws were adopted, including the one that causes
[00:22:29] the most emotions, namely the law on blocking content on
[00:22:32] the Internet, it causes emotions because
[00:22:35] what happened happened, what we are all talking about in Poland, namely
[00:22:38] stabbings in schools,
[00:22:42] and the question is, what to do, and the
[00:22:45] government claims that first and foremost the source of this
[00:22:49] problem... is in the Internet in content that is uncontrolled,
[00:22:52] that cannot be blocked, there is no
[00:22:55] appeal procedure for such
[00:22:59] content and in the network it's really a free for all, and it falls on
[00:23:02] the fertile ground of children who may then organize
[00:23:06] such challenges, let's do a challenge and go to school
[00:23:09] with a knife, well, exactly, that's why this draft law only appeared
[00:23:13] in this Sejm so suddenly, because it was really
[00:23:17] somewhere from the morning it was
[00:23:20] reversed, yes, in the morning it wasn't there yet, then
[00:23:24] it was quick, well, there was that government meeting, and they decided that this should be, as we well know,
[00:23:28] as we are talking here, how everyone let's start maybe with the fact that everyone is talking about it,
[00:23:31] everyone is talking about what to do with children today, you know well,
[00:23:35] Kuba, you also know, as we talked to each other, we hear it on the street, we hear it in
[00:23:39] the shop, we hear it on the bus, on the tram, how it affects our own
[00:23:42] children, they are afraid to go to school today, yes, today there is that
[00:23:46] fear somewhere in people, in everyone who wonders what might
[00:23:50] happen, if children send each other strange SMS messages with
[00:23:53] names of cities where some tragedy might occur, it
[00:23:56] shows how enormous a force the Internet is today,
[00:23:59] how enormous a force the Internet can be in spreading panic,
[00:24:03] but also how enormous a force the Internet
[00:24:06] can be in instigating people,
[00:24:09] young people, unformed
[00:24:13] people, susceptible to some influences, to commit the greatest
[00:24:17] folly of their lives. To go to
[00:24:21] school with a knife, to kill someone, that is something
[00:24:24] unimaginable, but it is happening, that's why today everyone is really
[00:24:28] talking about it, that's why there is a law, that's why all this is happening, and
[00:24:31] that's why I'm surprised that there is no political
[00:24:34] unity in the Sejm to say, yes, let's stop this wave,
[00:24:38] let's build a dam, there isn't, because as always there is division, well, and
[00:24:42] here perhaps let's present to our viewers, because there was such a
[00:24:45] discussion, a back and forth
[00:24:49] yesterday, first the prime minister started,
[00:24:52] then we had Minister Bogucki, who explained why, because
[00:24:56] there was already a draft in January,
[00:24:59] to block harmful content on the internet,
[00:25:03] the president did not sign it then, we will tell you a little about
[00:25:06] the behind-the-scenes of this non-signing, but first
[00:25:09] the prime minister,
[00:25:13] the state must have tools, I am very
[00:25:16] moved today, because... we
[00:25:20] prepared such
[00:25:22] a law several
[00:25:25] months ago, I know, it always sounds so formal
[00:25:28] and boring, but believe me, it was a very necessary
[00:25:32] law, thanks to which we as a
[00:25:34] state could immediately block such
[00:25:38] content on the internet whose
[00:25:41] harmfulness, could even be the source of crimes,
[00:25:45] was not in doubt. To this day, I don't know why the president
[00:25:48] also vetoed this law, moreover, using the
[00:25:52] misleading slogan of
[00:25:55] freedom of speech, freedom on the internet, and we know
[00:25:58] that many radicals from the MAGA movement have
[00:26:02] such views, meaning that every obscenity,
[00:26:05] every violence, every atrocity can be unpunished
[00:26:08] and freely promoted on the internet, because the
[00:26:12] state should not interfere,
[00:26:15] the state should interfere where there is a threat, especially to children,
[00:26:18] to the youngest, to the
[00:26:20] helpless.
[00:26:25] Ladies and gentlemen, and now a few words about why this law was vetoed in January,
[00:26:29] of course we hear a lot about freedom of speech, about
[00:26:32] not introducing censorship on the internet, this type of argument
[00:26:36] always appears, it is a misleading argument, we will tell you right away
[00:26:39] that in fact it was about two circles, that is, on the one
[00:26:43] hand, the president still cares about the votes of the confederation, that is, he is largely
[00:26:46] a confederate president, as far as his
[00:26:50] views are concerned, as far as the laws he signs or does not sign are concerned, that was
[00:26:54] one thing, that is, the environment of both the confederation, the environment of
[00:26:57] Braunists, to whom the president also winks, this is an environment
[00:27:01] that very highly... values so-called freedom on the network, and listen,
[00:27:05] you can also see what this confederate environment actually publishes on this network,
[00:27:08] we recently had the word of Mira Mensen, who was criticizing
[00:27:10] policewomen, we have Berkowicz, who insulted
[00:27:14] our colleague in a way, there is such a
[00:27:17] permission to speak simply
[00:27:19] strongly, brutally and somewhat
[00:27:23] inhumanly sometimes, about some people, I think it's
[00:27:27] more, more than permission, it is, it is
[00:27:30] even putting them on a pedestal, that's what
[00:27:33] the right-wing really bases itself on,
[00:27:36] that all the things that are, it seems to me, from my point of
[00:27:40] view, they seem vile, evil, and negative, for them they become
[00:27:43] cool, super
[00:27:46] let's publish it, let's show it, listen, if today I
[00:27:49] see that Mr. Pit Hekset informs,
[00:27:53] here we have Mr. Hekset's entry, I mean an entry about Mr. Hekset.