₦airaland Forum

justwise:
When you overpay does it automatically adjust the repayment year?

Not necessarily, it just reduces the balance and the monthly payment. But if you are on a fixed term l, monthly payment usually remains fixed though your balance is reduced so some part of your monthly payment will be an overpayment, the repayment part increases and interest reduces. You can change the term when you remortgage, or after the fixed period.

Grateful that the dust has settled and things are getting back to normal wrt the unrest that happened in several places in the UK.

BBC in-depth article on titled - Starmer will be judged on how he tackles root causes of riots

https://www.bbc.co.uk/news/articles/c5ykr900my8o

I wanted to paste the whole article but decided not to because its a bit long, i'll just post a few points from the article. If interested, the link is up there.

Yet the prime minister and his aides have pointedly avoided answering questions about the underlying causes of the riots.

I’m told the reason for this message discipline is a concern that discussing causes might be misinterpreted as suggesting some of the unrest was justified.

For now the government has avoided discussing immigration, again for fear of suggesting any of the unrest was justified.

But in time they are likely to remind voters that the prime minister believes many people do have legitimate concerns about legal and illegal migration.

Some in the Labour Party want their leader to call out racism as a major factor. Others diagnose poverty and a lack of opportunity as a root cause.

Mental health and addiction are repeatedly mentioned in mitigation in courtrooms this week, but others were drunk or carried by the moment.

Most of the towns and cities affected in recent days have high levels of deprivation and above average levels of asylum seeker housing, according to analysis of Home Office statistics.

lavida001:
Speaking to the BBC's Radio 4 Today programme, she said: "If we had a domestic workforce willing to work then we wouldn’t need these international recruits."

Why are they not willing to work fgs?

Low wages/salaries. Typically immigrants will accept lower wages for same job as Brit. Then there's the benefit system, why work when i can get it for free (for work shy able bodied folks). Laziness and entitlement. Lack of incentive for productivity.

ReesheesuKnack:
But it’s a fact. The conservatives have issued more visas to immigrants than all labour governments combined (source: personal knowledge/lived experience).

By the way, do you happen to know Sir Keir Starmer’s stand on immigration?
During the elections, he promised to bring down migration numbers if elected.

This by the BBC yesterday on immigration.

https://www.bbc.co.uk/news/articles/c77l41z8yn7o.amp

I appreciate the fact that the home secretary is staying on some decisions until relevant reviews are completed by appropriate bodies.

Lexusgs430:
I love myself too much and know when to remain in my bunker......(my area was riot - free) 😂😜

Unfortunately, this unrest/riot/civil disobedience, is usually time--capsuled..... We should expect another in a few years time....... 😅😜

Curious, do these riots happen when the EPL id in season?

Roman empire times, the games kept the mob and idle throngs of citizenry satisfied amusement wise.

missjekyll:
It is very complex. It's a serious medical procedure and should not be toyed with.

Interesting fact: intelligence is transmitted via the mother's mitochondrial genes. I m not sure how much smartness is in the mitochondria of anyone who risks life for a wig.

I can understand doing this for survival

Lol, you go get wahala gan

missjekyll:
Of course. Bridge Clinic.

Ok, I've only heard about people doing the procedure abroad

Viruses:
No need bringing egg or anything over. Do the whole process in Naija then come back with pregnancy.

Oh ok get what you mean, do they do this procedure in Nigeria?

Viruses:
Sorry to hear about this situation. A year's wait is really heart wrecking. Like the saying goes; wetin dey for Sokoto, e dey for shokoto. Have you considered Nigeria? With £500 egg go full everywhere, you can then return to UK to continue life.

Be careful there o before they tag it as organ harvesting. Remember that Nigerian senator, name evades me now, in prison for some kidney help got from 'sokoto'.

KOVIC19COVID20:
In other news…

https://www.theguardian.com/uk-news/article/2024/aug/07/shamima-begum-supreme-court-refuses-hear-citizenship-appeal

Isn’t it time to stop wasting tax payers money to lawyers launching these baseless appeals?
There is a concept in Arabic/islam called قدر. Basically about embracing fate. Can’t this girl just embrace qadar and believe that the almighty Allah (SWT) has destined for her to live in Syria ?

8f she wants to get back to the UK, easiest way is to find a way to get to France, get on a boat and land in Dover. Guess who is going to accommodate her in a hotel with all expense paid.

missjekyll:
Oh come on, are you still saying this? Are you planning to return your inflation busting pay rise(something the blasted tories refused to do) ?
They ve said they remove it just not yet. I m possessing my soul in patience for now. It's been 1 month

I don't see any reaction from you on that but you were quick to criticize the other side on child poverty.

It's just one month and they've increased tax on energy companies from 75 to 78%, banned North sea oil and gas exploration. The majors are withholding new investment in the UK, what does that do to jobs. One or two are planning on moving their hq from the UK, will that stop or reduce pollution as they pander to the climate change people, we are only outsourcing our emissions to other countries. O&g industry is highly regulated and the pollution you get from exploration and drilling is much less than so many other countries. This is what the new govt has done on a month and the results will begin to show in time.

missjekyll:
What choices, the children had no hand in any of these. We can't let them starve to punish their parents. They have come in hungry to school this morning, they have to eat.

You are assuming their parents are "irresponsible " and do not work. That is not true.There are also children of working parents who are in this group due to low pay and high cost of living.

First vote new parliament - end the two child benefit cap. What happened to we can't let the children starve and child poverty. 7 MPs were suspended because the voted to end it. More of same?

"Ahead of the vote, Sir Keir said there is “no silver bullet” to end child poverty but acknowledged the “passion” of MPs who were considering opposing the continuation of the Tory measure." Independent 24th July

Ticha:
In the interim 2 months yes and then it goes back up again. Over all no. Babajeje close the credit line unless you have a very strong will and discipline to not use them again.
It is very easy to get into debt if you have access to lots of open credit lines.

Are there any lenders in the UK that give a line of credit?

missjekyll:
This particular candidate is real. He said he didn't have a picture with the correct tie. He lives 300 miles away from where he was standing, though.

I wouldn't vouch for the others.

The 5 reform poopheads MPs were going to walk in a file into parliament like gangsters however they arrived late and had to stand outside. Hilarious 😂

I am usually happy to negotiate and find common ground but I draw the line at the far right. We throw hands on sight 😤 . No apologies

Nigel Farage's "Well you're not laughing now." quote came to mind when I read your comment. It took 17 years but he got it done, took the UK out of the EU. It is comments like that that makes people move far right, when "you throw your hands on sight",legitimate concerns are not listened to and you dismiss other people's views because they don't align with your politics. You can actually win these people over to your side.

Inasmuch as I don't agree with you on a lot of your politics, I have learnt some and considered my stand on some issues.

kumbhuru:
Must you all talk about politics here

Yes, Politics/govt policies affect life in the UK

Please who has 2k# they are not using, I want to go on holiday

dupyshoo:
I agree, reform took away a lot of share of conservative votes.

Also, so many people decided not to vote.

I just checked Lizz Truss's constituency. She won with about 35,000 votes in 2019 while Labour had just over 9,000 votes.

Labour has now gained close to 4000 more votes. Where are the other voters?

She lost to labour by 600+, reform took about 9000. Labour had 11000+

ReesheesuKnack:
Come on Justwise. You are more than this. I honestly think you are capable of a more nuanced assumption/thinking/point of view.

Your thought (on this matter) assumes that ALL Christians think the same (or should think the same).
Your submission seem to suggest that ALL Blaxk people think the same, or should think the same.

Your argument on this issue assumes that exactly the same thing matters to All Black people.

Even your own blood brother or sister, heck even your own identical twin does not like or dislike exactly 100% of the things you like or dislike.

I am a black woman, I will vote for Trump because I like position on abortion.

I am a Christian, I voted for Nigel Farage because I like his idea of increased threshold for taxation.

Those things matter to me, because I am me. Not because I am a Christian or a black woman.

@the bolded, I wouldn't have guessed

missjekyll:
No you are not. I find him utterly repugnant. I m very happy the libdems and greens won more seats. We need to drag labour back to the left.

Far right Nigel can fly off into the sun.

Well, it's not all about you. Reform has been a huge influence on the results of this election and cannot be overlooked. They cannot be taken for granted.

Where is Liz truss, gone into hiding?

Looking like Liz Truss will lose her seat.

Zahra29:
Maybe not a formal alliance but they will feel they have to align with most of their values and policies to try to win back their defector voters.

So it will be Tory and Reform against Labour

Nigel Fararge to Kier Starmer - "we are coming for labour"

Zahra29:
💯

Tory voters have felt betrayed since Party gate,failure to implement Brexit properly, Rishi stabbing Boris, increased migration, net zero....on and on

They've been waiting for this moment to give the Tories a bloody nose.

Most of the moderates/one nation are being cleared out. The right wingers (Suella, Kemi, Jenrick etc) have held their seats....it shows what direction the Tory party will be forced to pivot if they want to retain any remaining support.

Probably have to get in bed with reform in the future

Zahra29:
Rishi won his seat with a large majority.

Yes it matters because they've come close second in dozens of seats, a lot of them Labour. The message is that they are snapping at Labour's heels and could take over these seats if Labour falls out of favour with their voters. Also the personalities of the 4 MPs - Farage and Lee Anderson in particular - they are loud , rabble rousers and could cause a lot of discomfort and negative headlines for Labour.

British politics has changed, more volatile. The electorate has sent a strong message that they will no longer be taken for granted.

Currently watching BBC and one of the analysts said the conservatives lost a lot of seats because of reform. People who would usually vote conservative voted reform.

wallg123:
After 8 attempts finally Nigel Farage is an MP. Time will tell if Clacton cracks it or made a huge mistake

Is it going to matter, they only have 4=seats for now

Did Rishi lose his seat?

ReesheesuKnack:
Prime minister, Sir Keir Starmer

Wow!!!! It's the loss of 38 seats for SNP that amazes me the most. Implications for SNP in Scotland?

Welcome to election day

if you are still not decided, brief video from humble penny on youtube on the manifestoes of the political parties and how they affect your finances.


https://www.youtube.com/watch?v=lug70hgwx0A

Peerielass:
Starmer described the Working Class in one of the interviews as people that live from pay-check to pay-check without any savings. By inference the rest of us are wealthy and he is coming for us

P.S I have already voted for the Conservatives. Wasted vote maybe but better the devil you know.

I don't think that your vote is wasted, 😕 f they see the vote difference is close it will keep them on their toes knowing they can easily lose your constituency

Made gizdodo for the first time. I don't know how the qty of gizzard halved before I put it in the mix

missjekyll:
What choices, the children had no hand in any of these. We can't let them starve to punish their parents. They have come in hungry to school this morning, they have to eat.

You are assuming their parents are "irresponsible " and do not work. That is not true.There are also children of working parents who are in this group due to low pay and high cost of living.

I am not assuming, there are a lot of parents in that category. I sympathize with working parents who try to make ends meet and agree that more can be done to improve their situation. A lot of these problems increased rapidly in the last few years as a result of global pandemic and a war that has affected economies and cost of living worldwide, consequences not exclusive to the UK. Problems that few people alive have experienced and no playbook to navigate the times. the number of economically inactive people increased significantly because there was free money from the government and they did not see any reason to go back to work. could the government have performed better, yes, but to place all the blame on them that i do not agree with.

missjekyll:
Not really. I mean I m feeling the pinch but I still have a lot of give. However , my community is not okay so I can not be okay. I believe a society is only as prosperous as it's poorest citizens.
At the moment, the UK is wallowing in poverty. Preventable poverty. Rickets is coming back, children coming to school hungry. Teachers bringing sandwiches to school.

I cannot turn a blind eye to that and I have declared war on the party responsible.

At what point should individuals be responsible for their choices? If tomorrow, I decide to be irresponsible, quit my job and not take care of my family and my kids go hungry and add to that statistic, is that the government's fault? Then you punish the people who sacrifice time, energy and other things by taxing them to take care of what is supposed to be my responsibility is that fair. as far as I know there are programs, internships and other initiatives to skill up citizens so they can be responsible to themselves and their families and if they do not take these opportunities, is it the government's fault?

lavida001:
Let me guess, this fella is not one of us in Kendrick voice.

Is this necessary? If the shoe was on the other foot we would come and be shouting racism.

rowon:
Hello my people.
Which agency can help me sort out my bill with OVO energy. They are trying to rip me off . I use to submit my meter reading monthly but they claimed I didn't submit my feb-April reading so they gave me outrageous estimated billing. They agreed that I submitted January , may and June. I asked them the estimated amount should be the difference between January and May reading divided by Feb March and April but they chose to give outrageous estimated billing. I have be listed as debtor and recovery agent is asking me to pay. Please which agency or body can help me to resolve this issue. Note I have been to citizens advisory bureau but not much came out.

I've used OVO for years without issues, they seem to be very reasonable.

Couldn't they just calculate the energy you have used from before the time you forgot to take the readings to today , determine the cost. Determine how much you have paid since then and subtract from the cost of what you have used to date to determine what you owe. Or is your meter a special one?