Imitation waffle house…?

Crimoompa Loompa

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.

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

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

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?!?

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?

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.

Rats from a sinking ship and all that.