Partially frozen coast of Kauno Marios - artificial lake near Kaunas during cold sunny day.
Taken at 14:18 more than 2 hours before sunset. The Sun never rises too high this time of year.
Camera settings: 17 mm zoom, AV mode, -0.7 EV exposure compensation, ISO 200. In this case polarizing filter attached to the lens didn't help to darken the sky or remove reflections because it's most effective pointed at 90 degrees angel away from the Sun. But by blocking half of the incoming sunlight it made easier to look through viewfinder.
Converted from Raw with color temperature set to 4650 K. Slightly increased saturation of yellow color.