NewStats: 3,263,396 , 8,179,986 topics. Date: Thursday, 05 June 2025 at 06:28 PM y586f

Pls can you share the name of a reputable insurance you use for dental issues?

wallg123:

I use dental insurance through my job and I pay £8 a month. Whenever I go to the dentist I send the receipt to the insurance and they refund me whatever I spent at the dentist. Try taking up dental insurance that way u can go see any private dentist and get your money back.

bigtt76:
Pls can you share the name of a reputable insurance you use for dental issues?

https://www.unum.co.uk/employee/dental
That’s the one I use but there are few others on google of you search. boots also offers dental insurance

Thanks Baba @Lexusgs430,you always come good.

Lexusgs430:



Transportation should not be a worry, neither should commuting........ We have buses, trains and taxi services........

https://www.nestoria.co.uk/west-berkshire/property/rent?gclid=CjwKCAjw5P2aBhAlEiwAAdY7dLmnYIVsWgcHEoj_ESVBtUleDtKgz-LN0VTbT0zX0X9zaG8bRVjF1xoCvAsQAvD_BwE&tracking=1&utm_medium=organic&utm_source=google&v={"acc":5786,"c":13650967426,"a":140528289044,"d":"m","gclid":"CjwKCAjw5P2aBhAlEiwAAdY7dLmnYIVsWgcHEoj_ESVBtUleDtKgz-LN0VTbT0zX0X9zaG8bRVjF1xoCvAsQAvD_BwE"}

Hello, please any one in newcastle that can help out? My sister just relocated and has been finding it difficult to find a place to stay. If you can link her up with an agent or something so she can be able to rent an apartment. I’ll really appreciate it. Thank you �

Which Banking Instrument pays interest here. Unlike the Nigerian Treasury bills or Mutual funds without bn tagged public funds. I just noticed that banks here don't offer interest/low interest?

I failed tenancy referencing and 1 of the reason was that I had no credit record on equifax. This is really surprising cos I regularly check my score on experian (955) and credit karma (583) which is rated as good. I have done the voters registration but intentionally avoiding getting a credit card. I have no phone or sim contract but often times my credit score goes up which I was happy about as someone that is just a year here.
Please what factors would have led to the credit check fail? Seems I dont understand this credit history thing. I thought the scores were good enough.

Preshyi:
I failed tenancy referencing and 1 of the reason was that I had no credit record on equifax. This is really surprising cos I regularly check my score on experian (955) and credit karma (583) which is rated as good. I have done the voters registration but intentionally avoiding getting a credit card. I have no phone or sim contract but often times my credit score goes up which I was happy about as someone that is just a year here.
Please what factors would have led to the credit check fail? Seems I dont understand this credit history thing. I thought the scores were good enough.

Get a phone, sim contract or credit card..
Something needs to show lenders you can keep up your end of the bargain

Mamatukwas:


In Scotland. Free school meals is for P1-5. Outside that is public funds.

Hi

Does this mean that the meal offered in Scotland nursery as part of the 1140 funded hours is public fund?

Cos it’s clearly stated to be available for every child (from 3yrs) who qualifies for the funded early learning.

Thank you for this, very much appreciated

wallg123:

https://www.unum.co.uk/employee/dental
That’s the one I use but there are few others on google of you search. boots also offers dental insurance

Good morning gurus, quick one please inside dependant vignette visa it was stated that restricted work no sportsperson no public funds.
Pls what's this means

It means you are restricted from working in certain fields on the visa category you are on for example

1. You can't work as a sportsman or sportswoman (eg g for Chelsea or Man U)
2. You can't enjoy government funds paid to their citizens in form of aid to help cushion the effect of inflation or cost of living or others.

jagbasneh:
Good morning gurus, quick one please inside dependant vignette visa it was stated that restricted work no sportsperson no public funds.
Pls what's this means

Scotland: Free school lunches in primary 1 to 5
Children at local council schools can get free school lunches during term-time in primary 1 to 5, your family's financial circumstances do not matter. PS: ed by @Mamatukwas earlier post.
[See link: Scotland's School meal below]
Getting free lunches if you're not getting benefits or tax credits
Your child might still get a free lunch in school, early learning or childcare if you're experiencing financial hardship. This could be because:
- your immigration status means you cannot get help from the government

Infant free school meals in England: www.gov.uk/apply-free-school-meals
Your child will be able to get free school meals if they’re in a government-funded school and in:
reception class | year 1 | year 2

Seemly, there're nuanced differences btw Scotland and England
Insights from Scotland's School meal: www.mygov.scot/school-meals
Linked to Early child care
www.gov.scot/policies/early-education-and-care/early-learning-and-childcare/
It means that parents and carers – including those of eligible two years olds – will be able to choose to use their child’s entitlement at any ELC provider that ...

My reading is that the operative words are #eligible, #could, #can, #might, #may.
For anything public funds or not, I recommend using the duckling rule (which is used in computing). Essentially, if it quacks like a duck, it most reasonable be a ...
NB: Employment and Allowance (ESA) ought not count as public funds.

NB: universal credits count as #public fund in the UK.
www.gov.uk/government/publications/public-funds--2/public-funds
_{This is not a legal advisory as construed in law}

Chreze:
Hi
Does this mean that the meal offered in Scotland nursery as part of the 1140 funded hours is public fund?
Cos it’s clearly stated to be available for every child (from 3yrs) who qualifies for the funded early learning.

Mamatukwas:
In Scotland. Free school meals is for P1-5. Outside that is public funds.

Preshyi:
I failed tenancy referencing and 1 of the reason was that I had no credit record on equifax. This is really surprising cos I regularly check my score on experian (955) and credit karma (583) which is rated as good. I have done the voters registration but intentionally avoiding getting a credit card. I have no phone or sim contract but often times my credit score goes up which I was happy about as someone that is just a year here.
Please what factors would have led to the credit check fail? Seems I dont understand this credit history thing. I thought the scores were good enough.

You cannot run away from credit, in an economy that relies on credit score........

Then rely on a credit referencing agency, without any credit history.........

How do you intend to apply for a mortgage, without credit history....... If a LL cannot trust you with their rent, a mortgage company would not trust you with a home loan ...........

Get an AMEX card . .......

https://americanexpress.com/en-gb/referral/oYEJqJtC?XL=MNTNS

semmyk:
[
Infant free school meals in England: www.gov.uk/apply-free-school-meals
Your child will be able to get free school meals if they’re in a government-funded school and in:
reception class | year 1 | year 2

Seemly, there're nuanced differences btw Scotland and England
Insights from Scotland's School meal: www.mygov.scot/school-meals
Linked to Early child care
www.gov.scot/policies/early-education-and-care/early-learning-and-childcare/
It means that parents and carers – including those of eligible two years olds – will be able to choose to use their child’s entitlement at any ELC provider that ...

My reading is that the operative words are #eligible, #could, #can, #might, #may.
For anything public funds or not, I recommend using the duckling rule (which is used in computing). Essentially, if it quacks like a duck, it most reasonable be a ...
NB: Employment and Allowance (ESA) ought not count as public funds.

One of the things i dislike about the UK is the inability to clearly state things. And it’s shocking cos I will expect them to be better at it since they are English and the language is theirs. If you go by definition/explanation of public fund, you get confuse the more. This is not a benefit from getting low pay, neither is it a request from your part. It is tied to an early learning fund that they claim you qualify for. It’s crazy how you have to start translating English grammar to conclude if you are entitled or not.

Since my son started the nursery in august, it’s been a missed feeling for me. Some times I will go back to the site to read with hope of getting different understanding. Now if we are to go by the ducking effect, we should just proceed to pack him lunch. What about the milk n fruit snack. the schools don’t want meal they will have to heat, they don’t want biscuit and some kind of snacks. They want sandwiches, why d F will I want to give my child sandwiches for 8-6. Growing up I never liked taking food to school cos most of the times you don’t feel like having the meal or the meal gets spoilt before you have the appetite for it.

For a country that prides itself on caring for kids and having them at heart, how do you have a group of kids in same space and have a different rule for something as “special to kid” like group meal.

semmyk:
Scotland: Free school lunches in primary 1 to 5

Hi Semmyk,

Please I need advice on credit score checking. I found I was able to check my credit score through my Llyods bank app via Tradesunion.

It sits at 556. I've been here for 2 months. The thing is, not all my s were listed. The main where i have my direct debits for utility bills and all wasn't listed so it's not reflected on my credit score.

Please how do i go about correcting this or is there any other app i'm supposed to use to check this?

omopapa:
I no wan laugh o

Good morning.

Please, respond to your mail.

Chreze:


One of the things i dislike about the UK is the inability to clearly state things. And it’s shocking cos I will expect them to be better at it since they are English and the language is theirs. If you go by definition/explanation of public fund, you get confuse the more. This is not a benefit from getting low pay, neither is it a request from your part. It is tied to an early learning fund that they claim you qualify for. It’s crazy how you have to start translating English grammar to conclude if you are entitled or not.

Since my son started the nursery in august, it’s been a missed feeling for me. Some times I will go back to the site to read with hope of getting different understanding. Now if we are to go by the ducking effect, we should just proceed to pack him lunch. What about the milk n fruit snack. the schools don’t want meal they will have to heat, they don’t want biscuit and some kind of snacks. They want sandwiches, why d F will I want to give my child sandwiches for 8-6. Growing up I never liked taking food to school cos most of the times you don’t feel like having the meal or the meal gets spoilt before you have the appetite for it.

For a country that prides itself on caring for kids and having them at heart, how do you have a group of kids in same space and have a different rule for something as “special to kid” like group meal.

In Scotland, the 1140 hours is not a special benefit you have to request for, i.e. it's NOT public funds for persons with NRPF. All nursery school age children get it automatically, and I gather you only have to decide on how it is allocated (spread over 50 weeks of the year or 38 weeks). No need to pack lunch for your child, they'll get a meal in school.

The free school meals for Primary 1 to 5 is also NOT public funds for NRPF purposes.

The screenshot above referred to meals for schoolchildren OUTSIDE term time, i.e. when school is closed, and that's a special benefit.
At least you get something for the higher income tax and council tax you pay in Scotland.

It's called the more you 'look/read', the less you see! How do you want those lawyers to be in job when it comes to ILR!
Away from 'legalise' terminology, Scotland's 1140 ELC ain't public funds in the ordinary sense of thing, when it comes to 'free meals' for primary 1 to 5. We can safely go via Freetown for this based on the extract and as ed by @Mamatukwas [update: I just saw TheGuyFromHR. We seemly cohered on this.]
... how do you have a group of kids in same space and have a different rule for something as “special to kid” like group meal ... Hence, part of the reason they make it universal to all. Well, I guess!!

Chreze:
One of the things i dislike about the UK is the inability to clearly state things. And it’s shocking cos I will expect them to be better at it since they are English and the language is theirs. If you go by definition/explanation of public fund, you get confuse the more. This is not a benefit from getting low pay, neither is it a request from your part. It is tied to an early learning fund that they claim you qualify for. It’s crazy how you have to start translating English grammar to conclude if you are entitled or not.

Since my son started the nursery in august, it’s been a missed feeling for me. Some times I will go back to the site to read with hope of getting different understanding. Now if we are to go by the ducking effect, we should just proceed to pack him lunch. ... ...

For a country that prides itself on caring for kids and having them at heart, how do you have a group of kids in same space and have a different rule for something as “special to kid” like group meal.

Kindly pay close attention to the message from TheGuyFromHR. He correctly got the 'message' of my screenshot. Essentially, to highlight the difference between normal school term 'free meals' for 1 to 5 and where special benefits are required.

TheGuyFromHR:
...
The free school meals for Primary 1 to 5 is also NOT public funds for NRPF purposes.
The screenshot above referred to meals for schoolchildren OUTSIDE term time, i.e. when school is closed, and that's a special benefit. ... ...

Lemme let the gurus attend to you on this: Lexusgs430, Amarathripple0, Gemma11, Wakabouter, Solumtoya, TheGuyFromHR ...
My understanding though is that you don't have to force it through ... that is, no need to sign up to the 'big 4' credit bureaus (Experian, Equifax, TransUnion, crediva) before your credit starts to count.
In-btw, for rent related, check out www.creditladder.co.uk/

Newbie123:
Hi Semmyk,
Please I need advice on credit score checking. I found I was able to check my credit score through my Llyods bank app via Tradesunion.
It sits at 556. I've been here for 2 months. The thing is, not all my s were listed. The main where i have my direct debits for utility bills and all wasn't listed so it's not reflected on my credit score.
Please how do i go about correcting this or is there any other app i'm supposed to use to check this?

Naira is on a free fall, may God help � � the naira
£1=N944

Phayie:
£1=N892 with this pace pounds is ready to hit 1k

I use Lemonade Finance to send money to Africa. You get 10.00 GBP when you your and send over 100.00 GBP with my referral link - https://referral.lemonade.finance/invite/cZuH

Phayie:
£1=N928

Hope they won't come for lemonade like they came for aboki fx, e get why o

Newbie123:


Hi Semmyk,

Please I need advice on credit score checking. I found I was able to check my credit score through my Llyods bank app via Tradesunion.

It sits at 556. I've been here for 2 months. The thing is, not all my s were listed. The main where i have my direct debits for utility bills and all wasn't listed so it's not reflected on my credit score.

Please how do i go about correcting this or is there any other app i'm supposed to use to check this?

Semmyk is correct.
You dont need to do anything, it is the bank or financial institution that reports your information to the credit bureaus.
You can demand corrections where the information they report is incorrect (e.g. you have finished paying a loan and its still on your credit file as outstanding).

Thank you. Will do.

giselle237:

Get a phone, sim contract or credit card..
Something needs to show lenders you can keep up your end of the bargain

The thing pain me o, I thought it was by score.
Thank you, best bet is a credit card.

Lexusgs430:


You cannot run away from credit, in an economy that relies on credit score........

Then rely on a credit referencing agency, without any credit history.........

How do you intend to apply for a mortgage, without credit history....... If a LL cannot trust you with their rent, a mortgage company would not trust you with a home loan ...........

Get an AMEX card . .......

https://americanexpress.com/en-gb/referral/oYEJqJtC?XL=MNTNS

@TheGuyFromHR
Sorry I had to quote this message cos it's not related to my request. I sent you a DM but not sure you check your emails. I believe you work in HR and would please want any pointers on starting my HR career in the UK. I Just completed my Msc in HRM with a distinction and in the process of securing a job. Fortunately, I am not after sponsorship jobs and would need any advice on how to go about it.
I will appreciate your response. Thanks.

TheGuyFromHR:


In Scotland, the 1140 hours is not a special benefit you have to request for, i.e. it's NOT public funds for persons with NRPF. All nursery school age children get it automatically, and I gather you only have to decide on how it is allocated (spread over 50 weeks of the year or 38 weeks). No need to pack lunch for your child, they'll get a meal in school.

The free school meals for Primary 1 to 5 is also NOT public funds for NRPF purposes.

The screenshot above referred to meals for schoolchildren OUTSIDE term time, i.e. when school is closed, and that's a special benefit.
At least you get something for the higher income tax and council tax you pay in Scotland.

Preshyi:
@TheGuyFromHR
Sorry I had to quote this message cos it's not related to my request. I sent you a DM but not sure you check your emails. I believe you work in HR and would please want any pointers on starting my HR career in the UK. I Just completed my Msc in HRM with a distinction and in the process of securing a job. Fortunately, I am not after sponsorship jobs and would need any advice on how to go about it.
I will appreciate your response. Thanks.

I'll send you a fuller reply later today, but to be perfectly honest, getting a job in HR is no different from any other sector and most of that has been said on here already in various guises.

TheGuyFromHR:


In Scotland, the 1140 hours is not a special benefit you have to request for, i.e. it's NOT public funds for persons with NRPF. All nursery school age children get it automatically, and I gather you only have to decide on how it is allocated (spread over 50 weeks of the year or 38 weeks). No need to pack lunch for your child, they'll get a meal in school.

The free school meals for Primary 1 to 5 is also NOT public funds for NRPF purposes.

The screenshot above referred to meals for schoolchildren OUTSIDE term time, i.e. when school is closed, and that's a special benefit.
At least you get something for the higher income tax and council tax you pay in Scotland.

Thanks bro. I always thought of it to be normal and not public fund. I don’t know why I always go back to read the meal thing.

Thanks, not necessarily getting the job aspect. But building a HR career. For instance, there are loads of job designations and areas of specialties. HR , HR officer, recruitment officers etc all with similar job descriptions. Just about getting on the right path.

TheGuyFromHR:


I'll send you a fuller reply later today, but to be perfectly honest, getting a job in HR is no different from any other sector and most of that has been said on here already in various guises.

semmyk:
It's called the more you 'look/read', the less you see! How do you want those lawyers to be in job when it comes to ILR!
Away from 'legalise' terminology, Scotland's 1140 ELC ain't public funds in the ordinary sense of thing, when it comes to 'free meals' for primary 1 to 5. We can safely go via Freetown for this based on the extract and as ed by @Mamatukwas [update: I just saw TheGuyFromHR. We seemly cohered on this.]
... how do you have a group of kids in same space and have a different rule for something as “special to kid” like group meal ... Hence, part of the reason they make it universal to all. Well, I guess!!


Kindly pay close attention to the message from TheGuyFromHR. He correctly got the 'message' of my screenshot. Essentially, to highlight the difference between normal school term 'free meals' for 1 to 5 and where special benefits are required.

Shey you de whine me ni. So we are working partly for lawyers. Thanks man. Sometimes this UK de tire person when you read some things.

Dear Ancestors, I have come again with my questions.

My story:

Wife is a Nurse on Tier 2 visa, her employer gave her offer and posted her to Aberdeen, after getting her visa, she was transferred to Edinburgh, getting to Edinburgh and ing her final exam and became full UKRN, her manager said she doesn't like her and as such requested for her to be transferred. (Note only her the 3 black Nurses were all affected).
She was transferred to Newcastle and we have been here for 7 months.
Today her Regional manager informed her that this present Home is going to shutdown by December.

This may mean another transfer?.

This whole thing is affecting our settling down properly and it's mentally draining to say the least.

Please I need advise on how best to Navigate this issue.

Pearlyfaze:
Dear Ancestors, I have come again with my questions.

My story:

Wife is a Nurse on Tier 2 visa, her employer gave her offer and posted her to Aberdeen, after getting her visa, she was transferred to Edinburgh, getting to Edinburgh and ing her final exam and became full UKRN, her manager said she doesn't like her and as such requested for her to be transferred. (Note only her the 3 black Nurses were all affected).
She was transferred to Newcastle and we have been here for 7 months.
Today her Regional manager informed her that this present Home is going to shutdown by December.

This may mean another transfer?.

This whole thing is affecting our settling down properly and it's mentally draining to say the least.

Please I need advise on how best to Navigate this issue.

Make she begin find work na. You can switch sponsor na. Let her check her contract for implications of termination

Elders, I'm back again.

Please I want to ask those familiar with IT Audit and Consulting roles. I have a company willing to offer sponsorship, although I told them I can switch to part time in my school.

I have about 7 years of experience in cybersecurity and the company willing to sponsor says remuneration is within 30-40k per annum for Assistant Manager role. They asked how much I'm willing to accept that I should make research and get back.

Please for this role, what's the remuneration like? Thank you.