jblesn:


To your first question, yes, it was difficult for us because only one of us was working at the time. Part of what helped us was we agreed to provide a guarantor as requested by the landlord

My LL requested to have only the name of the person working on the rental agreement but I doubt if there are major issues with this.

makazona:


Thanks good Bro. The fear of little errors that may backfire is what giving nightmares. But I will take the bold step.

cyberat:
Please house, what date do I put as my arrival date on my visa application? Must it be the same date as my start date on COS? Someone is saying I can put an earlier date.

Also, I have my correspondence address (address where I can receive mails) on my COS, not my home address because that is the address that was on my CV and the company issued the COS with that address. Can I use my home address on the visa application and use the COS address as correspondence address?

SouthSultan:
Hello guys, I have a care interview coming up with an NHS department. They have requested to show a proof of address and a means of ID, of which I'll show my passport.

For the proof of address, the utility bill for my apartment has the name of the property owner. And it wasn't the address I filled while applying as my address has changed since I made the application. Can I use the bill like that? Anyone with this experience?

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

Mofolam:


Do transfer and go with ur printed receipt on the day of ur appointment

America001:
Good evening people,
Does Royal Air Maroc ask for yellow card or COVID vaccine certificate?

Any ideas please?

Datakey:
Good evening house.. I tried to pay for priority and the option isn't coming out.. And the money is 330 USD, thought it is suppose to be higher than that?