Crimoompa Loompa

He’s of Punjabi descent rather than black.

Hadn’t actually thought about this but it’s a good point, they are varying the T&Cs with no consideration here.

Man I use mine all the time, I have just dance, fitness boxing and ring fit adventure.

So much easier to get up and do some sort of physical activity when it’s a game not a task.

*mario kart is the game that sits on the shelf gathering dust until the nieces come over.

No it’s nothing to do with political affiliation at all,

And someone has already replied about the UK which is largely where my experience lies in this area.

Voter registration (entry onto the electoral roll) is additional confirmation that the address you are using for other credit/loan information is accurate.

It’s not, really, although it’s a bit more nuanced than that.

Credit scores are now taking in more information than ever, so things like your debt repayments as a % of your income (affordability) are feeding in as well.

For the people carrying credit card debt, one CRA might give you a better score if you carry a balance >0 but <25% of your total credit limit, and another it could be 0 to 40% so you will see some score variability.

If your utilisation is higher your score may suffer. This is only one aspect, though. Repayments on other debt (mortgages, utilities, mobile phones) play a part, as do things like voter registration and the time you have kept open your accounts. TransUnion is now incorporating BNPL (like Klarna) data for some reporting, although not sure it feeds into the score view yet).

I would highly recommend using whatever free apps are available for each of the CRAs (TransUnion, Experian and Equifax are the three main providers) to monitor your score.

For TransUnion you should be able to use the Credit Karma app in both the US and UK, and in the UK you also have the ClearScore app for Equifax score.

Experian in the UK is on the process of removing 3rd party app access (would have been MoneySaving Expert app before, but that’s moving to TransUnion).

Et tu dois vouvoyer si le sujet n’est pas ton ami.

Oyster crackers is a pretty good shout actually

Can’t argue there, but I do recommend a train ticket app for e-tickets

Why would you get a ticket for the tube/bus/overground? You can now pay with any contactless card or apple/android pay.

My tiny gripe…

On iOS, I have set a couple weekly to-do items (recurring) that all have sub-tasks….

Except there isn’t a way to just see the subtasks? I have to click into the reminder, scroll down to subtasks and click into that.

What the heck?!?

The whole settlement scheme has been a disaster. uKVI has historically been a truly terrible organisation. I personally have been given false information from them on more than one occasion so this doesn’t surprise me in the slightest.

Why is extraordinarily ridiculous though, is why someone from the EU that already had permanent residency wouldn’t just have that acknowledged or have automatically moved onto the new scheme. UKVI will already have her details on file electronically with biometric enrolment data.

Anything to make peoples lives miserable, in yet another clear implementation of government policy. The cruelty is the point.

Pretty sure the Cuban population tends to vote republican because of the press about democrats being socialist wannabes or whatever.

Didn’t Obama loosen restrictions on Cuba and the Trump put it back to how it was before?

Having no mechanism and being specifically legislated against are two different things. Brexit is the former, this sounds like the latter.

True, although paying in upfront doesn’t exempt immigrants from also paying the relevant taxes that cover healthcare, no double taxation protections here.

So much cheaper than the UK.

It’s something like £2k ($2,500) for the fees (for 2.5-3years, depending on visa type), plus a buy in for NHS services, approximately £1k/year ($1,300 x 2.5-3) for the length of your visa.

6 years to become a citizen, if you’re not married to a Brit, or 5 if you are.

It is in excess of £10k over the 5-6 years to get to the point of permanent residence (£2,300) which you can then follow up with citizenship (£1,580).