Why would you think it is statistically improbable? Do you know everyone's debt appetite? Or do you think most people with credit card spend all their limit and more than they could actually afford to pay off their pocket? If you can't afford to pay yours in full why should it bother or be suspicious to you when someone who does mentions it? I don't understand you people's thought process really and that's why other country nationals are thriving better than we do as a community.

koonbey:
The point the person was making isn’t that it’s an issue to pay your balance in full - obviously that’s best practice and what everyone should be doing.

The point was that everyone claims they do that, which is sus, to say the least, because it’s statistically improbable. Especially because it usually comes up when some people are encouraging ’newbies’ to apply for cards (without mention of whether they need it and can handle the responsibility).

As everyone has said there is no stigma in assessing SLP. Your son will only get more support which will help him. This is from personal experience.

Joyfuljoyful:
Hello everyone.

My son turned 4 this May and his words are not clear enough. He can recite the alphabets and spell 2 letter words, speak complete sentences, make conversations and can read and write but his speech is not completely clear. When he speaks fast. We can hardly hear what he's saying. Nursery teacher has asked that we fill a form for them to book him in to see the GP so he can be checked. I was wondering if its advisable to to fill the form?

We are afraid he may be stigmatised as having a condition and so trying to see if we can wait it out. We also dont want him to loose his confidence or retreat into himself in the process of being worked on by the specialist. We were hoping when he turns 4 he would outgrow it but we are still hhopeful. Whats your take on it please?
Thanks.

And how's that an issue if they could afford to do that and you can't? You need to grow out of this childish habit of trying to gaslight people into thinking your own way, very poor and ghetto mentality. Everyone is different from you or your habit. If you have a CC limit of £8000 and you chose to spend all and pay monthly £1 that's entirely your business. It shouldn't prick you if I have a limit of £1000 and spend only £200 out of it but pay in full ....nonsense

Tier4Dependant:


You are seriously asking this? Guess you should go back to part 1 of this wonderful thread

My thoughts exactly!!
They are doing exactly the same thing they are claiming people are doing; over generalisation.

bigtt76:
Why would you think it is statistically improbable? Do you know everyone's debt appetite? Or do you think most people with credit card spend all their limit and more than they could actually afford to pay off their pocket? If you can't afford to pay yours in full why should it bother or be suspicious to you when someone who does mentions it? I don't understand you people's thought process really and that's why other country nationals are thriving better than we do as a community.

Hi guys, Please what is the best way to prepare for the UK driving theory test. Is there any material, youtube channel, website or application? I have already downloaded the 4 in 1 theory app though and my test is in 2 weeks time

Na everyday fight dey erupt for this lovely thread!! Who do we offend like this

Tier4Dependant:


You are seriously asking this? Guess you should go back to part 1 of this wonderful thread

Yes i'm seriously seriously asking that question and yes i have gone back to read that CC discussion hence my question

Jcole123:
Hi guys, Please what is the best way to prepare for the UK driving theory test. Is there any material, youtube channel, website or application? I have already downloaded the 4 in 1 theory app though and my test is in 2 weeks time

4 in 1 should be enough for you. Study it back to back and you will be fine. All the best

Hehehe

AKALAMAGBO:
Na everyday fight dey erupt for this lovely thread!! Who do we offend like this

I am still in need of kpomo shipping plug from Lagos to Manchester. Please if you've got one, kindly recommend to me. Thanks in advance

Santa2:


We too like quarrel for this thread Oo. lol. [/b] I pay my credit card in full also because I believe its currently the best path to my financial future, plus I too like money, why dash CC company interest if I can avoid it [b]. It doesn't stop the next person from handling their finances the way they deem fit. We will all be alright last last.

I’m on this table, I was so proud of myself that I took a screen shot. My credit score is even low because I’ve recently moved and I got another CC but I’m not bothered because when it’s time to apply for mortgage, my clean streak of payments would be beneficial.

bigtt76:
And how's that an issue if they could afford to do that and you can't? You need to grow out of this childish habit of trying to gaslight people into thinking your own way, very poor and ghetto mentality. Everyone is different from you or your habit. If you have a CC limit of £8000 and you chose to spend all and pay monthly £1 that's entirely your business. It shouldn't prick you if I have a limit of £1000 and spend only £200 out of it but pay in full ....nonsense

The problem is people on this thread like to Project too much. Because them no dey pay in full, them think say others are like them. Because they earn within a certain tax bracket, they expect that others would earn within that tax bracket. We all live different lives, and comments like his discourage people from being open. He needs to grow up.

Y’all continue living in your world of fantasies.

Una go dey alright

Drops Mic 🎤

Bro no dey deceive urself, realities are different. People’s living condition are not the same, because you can’t pay in full doesn’t mean everyone else can’t… No be everybody get COVID that year when e dey do people strong thing… I pay mine in full before the direct debit date just so you know, and I have a combined total credit card of £8,000 on 2 cards ( Amex and Aqua)…

Tier4Dependant:

Y’all continue living in your world of fantasies.

Una go dey alright

Drops Mic 🎤

Jcole123:
Hi guys, Please what is the best way to prepare for the UK driving theory test. Is there any material, youtube channel, website or application? I have already downloaded the 4 in 1 theory app though and my test is in 2 weeks time

I combined the tests from the 4 in 1 theory app with random test sites on google. I noticed that some of the questions on google came up as well during the test.

AKALAMAGBO:
Bro no dey deceive urself, realities are different. People’s living condition are not the same, because you can’t pay in full doesn’t mean everyone else can’t… No be everybody get COVID that year when e dey do people strong thing… I pay mine in full before the direct debit date just so you know, and I have a combined total credit card of £8,000 on 2 cards ( Amex and Aqua)…

Just leave am. People like him are stuck in their ways and will never agree that they are wrong.

koonbey:
The point the person was making isn’t that it’s an issue to pay your balance in full - obviously that’s best practice and what everyone should be doing.

The point was that everyone claims they do that, which is sus, to say the least, because it’s statistically improbable. Especially because it usually comes up when some people are encouraging ’newbies’ to apply for cards (without mention of whether they need it and can handle the responsibility).

It’s not rocket science to pay off credit cards in full every month. If you are living within your means, it’s the easiest habit to have. It actually won’t be surprising for me if most Nigerians abroad pay off their credit cards monthly - we grew up in a society that holds a mindset of “saving to spend” and avoiding debt.

NB: I also pay off my personal credit card every month. See the summary of my last statement below. So you can add me to the list you’re curating

AKALAMAGBO:
Bro no dey deceive urself, realities are different. People’s living condition are not the same, because you can’t pay in full doesn’t mean everyone else can’t… No be everybody get COVID that year when e dey do people strong thing… I pay mine in full before the direct debit date just so you know, and I have a combined total credit card of £8,000 on 2 cards ( Amex and Aqua)…

It's so sad to see how people think. While some are taking notes and learning from others' experience. Some people are having some type of complex and convincing themselves that those experiences are lies.

I'm glad it's just one or two dudes anyway, so most other folks probably take the info shared here with a clearer heart.

SamReinvented:


It’s not rocket science to pay off credit cards in full every month. If you are living within your means, it’s the easiest habit to have. It actually won’t be surprising for me if most Nigerians abroad pay off their credit cards monthly - we grew up in a society that holds a mindset of “saving to spend” and avoiding debt.

NB: I also pay off my personal credit card every month. See the summary of my last statement below. So you can add me to the list you’re curating

make me sef join the league of people who pay off their credit card every month.

I don't require a credit card to live my life, I use it because of the benefits that come with using it and im sure some of my other colleagues here do.

AKALAMAGBO:
Bro no dey deceive urself, realities are different. People’s living condition are not the same, because you can’t pay in full doesn’t mean everyone else can’t… No be everybody get COVID that year when e dey do people strong thing… I pay mine in full before the direct debit date just so you know, and I have a combined total credit card of £8,000 on 2 cards ( Amex and Aqua)…

The guy just dey cry over nothing

I have a £1,000 limit, I spend what I want (within my own reasonable limits) and before the statement due date comes, I make sure I pay everything and leave £70 - £90 max to be take in full via direct debit

All, I have learnt from this thread and some small Youtube videos and I am sure to tell everyone who has used my link to apply offline to practice the same method. Spend only what you have or dont spend it at all, very simple concept

I do not understand why he thinks the concept is hard or why he is triggered

deept:


I don't require a credit card to live my life, I use it because of the benefits that come with using it and im sure some of my other colleagues here do.

Sexy buyer protection, Avios and excellent customer service from Amex

Solumtoya:

While some are taking notes and learning from others' experience. Some people are having some type of complex and convincing themselves that those experiences are lies.

No lies detected

Tier4Dependant:
HCA’s don suffer for nairaland.

Nairaland where everyone is a project manager or data analyst.

Nairaland where everyone pays their CC balance in full.

Nairaland where everyone earns 60k and above

Las las everyone go dey alright.

Dey play ooo, make everybody just dey play

Tier4Dependant:

SMH

dupyshoo:
My thoughts exactly!!
They are doing exactly the same thing they are claiming people are doing; over generalisation.

Not really.

1. It’s not overgeneralisation to point out that if in the broader UK market a large proportion do not pay off their credit cards in full every month -https://www.forbes.com/uk/advisor/credit-cards/brits-understanding-credit-cards/ , but here everyone apparently does, it means one of two things: that some people are lying or the people here are a statistical outlier. Outliers are, by definition, uncommon, so it’s the less probable reason, from a purely logical standpoint, despite all the righteous outrage everyone is displaying.

2. I genuinely don’t understand why everyone has their panties in a wad over this. It was purely a tongue-in-cheek comment and very clearly a joke. I found it funny when it was posted and the only reason I responded was to clarify that it was indeed just a joke when it seemed someone was taking it too seriously.

The ONLY reason why the credit card thing jumped out at me was because so many people keep pushing credit card referral links and emphasing how it’s straightforward and you just pay in full every month and all. My assessment is that many newbies jump into getting credit cards and accumulate debt just because it’s so easy to do in this country, and the stats bear me out that in reality most people do NOT, in fact, clear their debts every month.

But apparently I don buy market like that and now people are saying I’m jealous because I cannot pay mine in full 😹. If I was a cynic I’d say the prickly responses indicates something but I’m not so I’ll leave it there.

Make una no vex abeg. This is me surrendering to the might of payers-in-full. I no dey debate too much unless I’m being paid to abeg so let’s just leave it there.

Okay. Thanks alot.

dupyshoo:
As everyone has said there is no stigma in assessing SLP. Your son will only get more support which will help him. This is from personal experience.

koonbey:


Not really.

It’s not overgeneralisation to point out

Point out based on facts or your assumption? Even if we did a poll here, people would still assume that everyone is capping.

Solumtoya:


It's so sad to see how people think. While some are taking notes and learning from others' experience. [/b]Some people are having some type of complex and convincing themselves that those experiences are lies. [b]

I'm glad it's just one or two dudes anyway, so most other folks probably take the info shared here with a clearer heart.

You have said it all.

Thank you so mhch. I'm taking notes.

LagosismyHome:


Stigma ke ....your mind should not even go there. In their generation such a thing won't even exist. There so many special needs everywhere so please remove that from your head fast fast . Many workplaces this is even highlighted these days and promoted as inclusion in the workplace , how much more in later year . He wont have special need by God grace but even if he has that ok too.

What important is that the child is getting the help and support he needs .any thing they say you should fill, fill it. Any help you are giving take it fast. What important is that the child is adequately supported so he can flourish. If he out grows it which is possible then all well and good. .... you too continue to research and see how you can add your own support. It takes a village to raise a child , the parent plus whatever support system is needed

Hello there, I will suggest you download this App “Speech Blubs” and let him access it frequently. It worked well for my daughter, hopefully should do the same for yours.
Cheers!

Joyfuljoyful:
Hello everyone.

My son turned 4 this May and his words are not clear enough. He can recite the alphabets and spell 2 letter words, speak complete sentences, make conversations and can read and write but his speech is not completely clear. When he speaks fast. We can hardly hear what he's saying. Nursery teacher has asked that we fill a form for them to book him in to see the GP so he can be checked. I was wondering if its advisable to to fill the form?

We are afraid he may be stigmatised as having a condition and so trying to see if we can wait it out. We also dont want him to loose his confidence or retreat into himself in the process of being worked on by the specialist. We were hoping when he turns 4 he would outgrow it but we are still hhopeful. Whats your take on it please?
Thanks.

kwakudtraveller:

Point out based on facts or your assumption? Even if we did a poll here, people would still assume that everyone is capping.

Statistics.

Q1 this year household credit card debt burden in the UK soared to the highest level in 2 decades - https://amp.theguardian.com/business/2023/jan/04/uk-credit-card-borrowing-soars-to-highest-monthly-level-since-2004

There was a recent BoE report as well for anyone who’s interested.

My entire point is not that it’s impossible. It is. I’ve done it since I was a student not to speak of now, and I have significantly higher than average limits as well, though I mostly use a corporate card on a monthly basis.

The point is not about attacking anyone. I don’t know anyone here and couldn’t care less if anyone pays or doesn’t pay in full. Ewo ni témí?

If anything, the bias I have is that I believe people need to be more cautious in accessing credit here. I personally think it’s way too easy to access (consumer) credit here and my line of work I see lots of situations where people think it’ll be straightforward and it turns out horrendously wrong instead.

Anyone can get angry or say I don't pay mine in full if they want, but my point that it's statistically likely that a person will end up in a debt spiral remains valid and I maintain that, for no other reason than so people can be aware of the reality of things. 'My case is different' is not financial strategy.

Oh my goodness! This is exactly what is happening! Just those consonants he can't pronounce well. Exactly what we encounter and I have been over stressing on it. Will take your advice.I am very grateful for this breakdown. We will sign the form then.
Thank you so much!

giselle237:

Do not be scared. If you listen to other kids in his class majority of them sound the way he sounds. Sometimes the teachers maybe don’t get that these sounds and speech will form at the appropriate time.
I have attached a photo- it is a summary of speech sounds he should be making. Look at the table.. and check against the sounds he should be making now at 4 years old.
The help they want to get for him is speech and language therapy I believe. If he is referred to the GP, GP’ll most likely do a referral to SALT and try to get him an appointment date with SALT. If this happens he will be assessed for elements like play, understanding, attention, speech etc.
I wont be too worried. Just go with the flow and you can give into any referrals whilst you practice during this summer holiday his sounds as attached.
If he is speaking fast, they tend to use a lot of jargons at this age too.. that’s probably the one the teacher says he is not speaking clearly. By 5 years all this would have cleared up in most children
Also no shouting and over correction. If he speaks the one you dont hear clearly, rather than correcting you say the right thing
Eg
Mommy I want to eat pish.. rather than pronounce f for fish as f , he pronounces it as ‘p’
The right thing for you to do is say okay my boy I will get you some fish to eat, you pronounce the right one and not start saying it is not phish .. it is fish
You make it worse this way