nineville:


Be rest assured you will get your PSW. Meanwhile, try & don't let it exceed the earlier 2.

justwise:


HO has spoken

justwise:


HO has spoken

IcecoldDon:
Hello House, I have a 7 year old son I am really interested in getting to start coding/programming classes for kids. I would prefer a hybrid approach of both in person and online classes as I feel interacting with other kids might also add to the fun and generate more interest. I live in Birmingham, but unfortunately, most of the options I have found through google are just purely online.

Since the options I have found are so numerous and similar, I would really appreciate any recommendations that can be given that can narrow my choice and give him the best experience. Thanks a lot.

justwise:


HO has spoken

lightnlife:
With 50% pass rate across the UK, I bet the conversations about driving aren't needless. If it's pretty straightforward, the pass rate would reflect same.

Look around; YouTube, Reddit, Facebook, X, there are loads of content and convo on driving generating massive reactions.

It even more important for migrants to have these convo as most have been used to a different driving terrain/rules back home.

.....

lightnlife:

..
Same applies to Credit Cards. Financial intelligence isn't a generic life skill. You need knowledge. Moreso, for immigrants who haven't been exposed to credit facilities in all his/her 30+ years before moving here, but knows credit could either make or mar his/her life, I bet they'll go all out for more insight on it.

People are at different stages of life and that would reflect in their understanding and knowledge quest.

Won't be surprised if someone still comes around to ask either of these questions in the next 2 days. Perhaps, doing some back reading on the issues might help them.

kode12:

That false confidence is what will put a lot of people in trouble.

Regex:


You no see how I ask am small question of why he is asking such question, him come deh implicate en friends weh him know. If to say I deh work for Home Office, those guys for don collect. Instead oga go talk en own, en don deh talk other people own. I deh wait to read for news say them don ban Nigerians from coming to UK. At least I'm happy with the recent clamp down on cos sellers. Make Nigerians rest, make we weh deh here rest too.

Lilipo:



≈========≈===≈========================
Not sure if you got any response to this but my son has been doing a face to face session with Code Ninja's since he was 8 (now almost 11). He has been learning to code in a fun way starting with scratch, a bit of python, sql and now java script. I would suggest checking if you have any code ninja hub near you - they are really good. I know because I code too and I always check on what they teach him.

Solumtoya:


I'd just repost one of my long epistles on Credit Cards below:

Credit Cards (CCs) are one of the best Credit Tools you can have but yes, like every good thing, it does have its dangers.

Most folks here are trying to build Credit Score and to be very honest, CCs are the easiest way to do so. There are so many other ways, of course, and you should do them: Registering in the Electoral Register, Setting up Direct Debits for Utility Bills, Phone/SIM Contracts, etc but from experience since these are not Credit facilities, they may not boost your score as much as a CC.

The rules of CC usage are simple: ensure you pay at least the minimum balance (usually 10% of your usage as at the statement date). So if your cycle is 1st to 30th of every month, on the 30th, you get a statement saying you have used £2,000 and you are given a grace period (typically extra 14 to 23 days) to pay back 10% or more, and whatever balance is unpaid, interest will be charged to the card after the grace period. During this grace period, the next cycle has obviously started running. And the next month balance will sum of what you spent in the month, plus the unpaid balance from the previous month and the interest added. IF YOU DON'T PAY THIS MINIMUM, YOU HAVE DEFAULTED.

Now, the main reasons why CCs are a brilliant facility are evident:
1. Their Interest-free periods means you can use them without ever paying interests: to do this, you must pay everything in full as the interest only starts counting on the unpaid balance after the grace period. An exception is usually Cash Withdrawals, Interest on Cash Withdrawals start counting immediately. Another evil trick of Cash Withdrawal is usually that their interest is higher. There's another evil of Cash Withdrawals but it might be a little technical to explain in this post. Just avoid Cash Withdrawals if you don't want interest
2. CCs are revolving, meaning they are like Overdrafts, not Term Loans, so if I have a limit of £6k, when I spend it and repay, my full limit is re-instated, so I don’t need to re-apply (ever) unless I void the contract.
3. Rewards: Most CCs earn you Miles, Points, etc for usage and referrals.
4. Fees: Many CCs come with little or no extra fees to the Cardholder. I could go on and on.

So, pretty much, you can use your Debit Card for only Cash Withdrawal and use Cash for non-Card payments, while you use your CC for everything else and pay little or no interest while building your credit score.

Now, as beautiful as it sounds, in my 7 years as a Credit Card Product Manager, I have seen so many people wallow in heavy credit card debts. The truth is most humans are not just disciplined enough to handle such an allowance of funds. They deep their hands into it at the slightest opportunity and end up living above their means. CCs are very addictive so don't get a CC if you love to spend, the CC provider would love you and keep increasing your limit and you may land in a gloomy state: you earn just £2k monthly and are given a £6k CC, as you spend and spend, they keep increasing the limit and before you know it, you have a £20k CC fully spent on that Funeral you sponsored inyou sponsored in Oshogbo and that trip to Turkey. How will you pay You break the card and start paying back £600 monthly, but that covers only the interest and the amount is NOT reducing every month. You realize you are stuck and have fallen for our trap and that is how we make our interest income and cover for those who are using the card wisely.

I'm sorry this post was really long, I even had to cut this short because I could go on and on about the benefits of CC (purchase protection, chargeback, acceptance, etc), the financially wise know this and hardly ever use Debit Cards but enjoy the benefits of a CC. The financially foolish use CCs to have fun for a few years or months and spend the rest of their lives as slaves to it. The choice is yours!

EDIT: For those who want the AMEX credit card with NO FIXED fees, you can use my referral link below. You get points for British Airways flights and and Holiday bookings. You get 6,000 points while I get 4,000. I have over 100k points which I can use to travel to anywhere in the world for free now:

https://americanexpress.com/en-gb/referral/jEDIDAgksF?XL=MNMNS

Strata1716:
Hmmm on this 20 hours topic, what happens to someone who finished writing their dissertation 3 months before the submission deadline but didn’t submit so they started working more than 20 hours since they were done with their school work.

forkinsonlolo:


Alright, thanks alot.
To the people already on Post Study Visa, did you do more than 20 working hours while studying or not? If so, how many did you do through your study time? alot in my set are doing more than 20hrs work per week at present and i hope it wont affect them. i cant blame them because most of them had to fend for themselves

donshaddow:

Don't do it.

justwise:


Maybe that ID know what we don't know

bigtt76:
This person in the screenshot, apparently overworked before being issued with Leave to Remain which was to expire in 3 years time. Crazy times. I hope they are lienent to those who breached by just an hr or two on one or two occassions

donshaddow:

Crazy times awaits us all. Init!

bigtt76:
Na so ooo

Lilipo:



≈========≈===≈========================
Not sure if you got any response to this but my son has been doing a face to face session with Code Ninja's since he was 8 (now almost 11). He has been learning to code in a fun way starting with scratch, a bit of python, sql and now java script. I would suggest checking if you have any code ninja hub near you - they are really good. I know because I code too and I always check on what they teach him.

IcecoldDon:
Thanks a lot for this response. I will look them up. Did you have to get a laptop for your boy? Mine just has a samsung tablet and I don't lknow if that works

donshaddow:


I've cancelled all my agency shifts like dis like dis until I change sponsor.

BeckyB1:
Please give me contact to one of the Agency if location is London. I need 20 hours shift. Thank you.

amanze54:
Ihi my people

My mom in-law is here and intend her to go on the 6th month before her visa expires.

Does staying that full length denies her the opportunity to reapply again?

AntiMCU:
Has anyone been to Nigerian house London recently to renew international passport?

I intend to go on Wednesday. What do I expect? iD

Hear say the crowd mad die.

BeckyB1:
Please give me contact to one of the Agency if location is London. I need 20 hours shift. Thank you.