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.

Same.

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.

100% agreed

Can’t disagree with that notion.

Political reform is required before we get all the way down theUS-style rabbit hole.

Money in politics in the US is ridiculous.

Politicians here are cheap but at least it’s not prohibitively expensive to run for everyone. I know there are barriers that shouldn’t be there.

Where are people even getting the money to launch these groups and hold their own conferences?

Really quite shocking and yet unsurprising from South West Water here. That “record fine” clearly didn’t have the intended impact either. The government needs to take action on this urgently.

Also… I think people shouldn’t need a Barrister for small claims court, they should be able to represent themselves. A bit poor in the system that someone should need to hire representation over such a small sum.

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).

Oyster crackers is a pretty good shout actually

A parliament has a maximum term of 5 years. Any change to the date of the next election will have a direct impact on the latest date of the next election.

https://www.parliament.uk/about/how/elections-and-voting/general/

Depends on whether or not there is a snap election this year…

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?!?

Very much agreed, although Dorries doesn’t seem the most stable of characters so I guess the risk is getting lumped in with the crazy.

Goes to town on Sunak, bugs herself up and (rightly) lists no accomplishments she has achieved for her constituents. Utterly self-centered woman.

Fair enough, I just don’t really have faith that the UK is genuinely going to make any changes that have the desired positive impact, at least not on a national/regulatory level. I would be happy to be proven wrong on a large scale!!

I don’t understand your position on this, to be frank. The UK is a relatively small agricultural area when compared to the total CAP coverage area. Why opt to vote to exclude ourselves from that when the UK previously had reasonable influence on EU policy? Surely an approach of tactical voting to ensure both local and EU representation had a greener/longer-term approach to these types of policies rather than pushing the UK to go it alone?

While I don’t disagree that going it alone reduces the hurdles to this type of policy change (assuming political will), it does push the UK into a space of competitive disadvantage, does it not? Some of the investment and improvements the article points out (admittedly I have skimmed rather than read thoroughly) will come with time anyway, and having been part of a larger community could have been helpful in making the transition.

I left in 2013, I also haven’t gone back but it’s definitely on my list.

Really loved it, lovely people and the food is obviously epic! Were you mainland?