zlb
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Post by zlb on Sept 16, 2019 20:14:26 GMT
Telegraph article says students borrowing beyond student loans, from payday lenders and credit cards. Apparently for holidays, "healthy eating" and visits to restaurants that will look good on instagram.
I wonder how statistically correct this is, and whether universities are also referring students to p2p. "Research by Moneysupermarket, a price comparison website, showed a 136pc uplift in the number of students taking out the costly, short-term loans to help fund their lifestyle at university."
Ucas apparently sent adverts for 'Future Finance'.
It sounds slightly absurd to me but...?
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corto
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Post by corto on Sept 16, 2019 21:24:08 GMT
I don't think Unis are authorised to provide financial advice (beside technicalities of standard student loans). The student unions often provide professional support.
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benaj
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Post by benaj on Sept 16, 2019 21:44:22 GMT
Believe or not, some would have gone for "arrangement" instead of loans. According to one British newspaper, "some 58,000 students purportedly signed up" the arrangement service.
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sd2
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Post by sd2 on Oct 8, 2019 9:54:51 GMT
Telegraph article says students borrowing beyond student loans, from payday lenders and credit cards. Apparently for holidays, "healthy eating" and visits to restaurants that will look good on instagram. I wonder how statistically correct this is, and whether universities are also referring students to p2p. "Research by Moneysupermarket, a price comparison website, showed a 136pc uplift in the number of students taking out the costly, short-term loans to help fund their lifestyle at university." Ucas apparently sent adverts for 'Future Finance'. It sounds slightly absurd to me but...? Healthy eating is considered to be cheap eating....unless you want to do it in a pretentious restaurant! Obviously some will go for payday loans. Just because they are going to university doesn't make them financially astute. Zero interest credit cards are great way to go. I have had no less than £6000 in zero interest cards for 10 years but not to fund a lifestyle they clearly can't afford in the long run. In fact how do they even get a credit card with their **** poor income? Or at least a meaningful amount of money? Absurd yes but have students changed that much? Has social media had that big effect on them? Answers on a postcard! The proper way to communicate!
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Post by propman on Oct 10, 2019 16:56:15 GMT
Telegraph article says students borrowing beyond student loans, from payday lenders and credit cards. Apparently for holidays, "healthy eating" and visits to restaurants that will look good on instagram. I wonder how statistically correct this is, and whether universities are also referring students to p2p. "Research by Moneysupermarket, a price comparison website, showed a 136pc uplift in the number of students taking out the costly, short-term loans to help fund their lifestyle at university." Ucas apparently sent adverts for 'Future Finance'. It sounds slightly absurd to me but...? Healthy eating is considered to be cheap eating....unless you want to do it in a pretentious restaurant! Obviously some will go for payday loans. Just because they are going to university doesn't make them financially astute. Zero interest credit cards are great way to go. I have had no less than £6000 in zero interest cards for 10 years but not to fund a lifestyle they clearly can't afford in the long run. In fact how do they even get a credit card with their **** poor income? Or at least a meaningful amount of money? Absurd yes but have students changed that much? Has social media had that big effect on them? Answers on a postcard! The proper way to communicate! Calorie for calorie my experience is that healthy products tend to be more expensive. "Super Foods" charge a premium (interesting program o i-player on the impact of avocados becoming trendy and promoted as healthy). Also vegetables are often light on calories. I agree that you can cook healthily for (from a 1st world perspective) much less than buying most pre-processed foods, but that isn't comparing like with like (ie cost of convenience).
Personally with most students bombarded with online advertising i would have thought advertising with UCCA forms would not have a significant impact...
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Post by bracknellboy on Oct 10, 2019 17:28:08 GMT
Healthy eating is considered to be cheap eating....unless you want to do it in a pretentious restaurant! Obviously some will go for payday loans. Just because they are going to university doesn't make them financially astute. Zero interest credit cards are great way to go. I have had no less than £6000 in zero interest cards for 10 years but not to fund a lifestyle they clearly can't afford in the long run. In fact how do they even get a credit card with their **** poor income? Or at least a meaningful amount of money? Absurd yes but have students changed that much? Has social media had that big effect on them? Answers on a postcard! The proper way to communicate! Calorie for calorie my experience is that healthy products tend to be more expensive. "Super Foods" charge a premium (interesting program o i-player on the impact of avocados becoming trendy and promoted as healthy). Also vegetables are often light on calories. I agree that you can cook healthily for (from a 1st world perspective) much less than buying most pre-processed foods, but that isn't comparing like with like (ie cost of convenience).
Personally with most students bombarded with online advertising i would have thought advertising with UCCA forms would not have a significant impact...
Maybe, but lets not equate faddish highly advertised "super foods" with "healthy eating". You don't need to eat quinoa or god forbid bloody avocado's on toast for breakfast, to eat healithly, you just need to stop eating c**p in the form of crisps/chips/other fried food, cut down on red/processed meat, cut the sugar and salt (normally in processed foods/premade meals) and eat a decent qty of fruit and veg.
Yes there is a lot of evidence from studies that those living in deprived areas are often at a significant disadvantage in terms of having access to cheap healthy options as opposed to total ***p from corner shops. But that is far less often an issue for students. There is plenty of calories both lb for lb and £ for £ in pasta as an example. That is not unhealthy (compared to the same calorie intake in e.g. chips). Fresh onions and tinned toms, plus some other bits and voila. Or rice with "stuff". You can eat cheap and healthily providing you have access to the necessary sources.
What we need is more food education and more financial education.
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justme
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Post by justme on Oct 11, 2019 7:01:41 GMT
Not necessarily ( eating cheap and healthy). It would mean eating organic - have you checked prices of organic veg and fruit? Let alone meat. Or not farmed fish apart from mackerel. Organic chicken- 3 times more expensive at least. Not eating dairy products- have you seen prices of organic dairy alternatives (or even organic dairy)? Many would be vegand - fats and protein need to be obtained from somewhere- you do realise nuts and seeds are expensive. Avocado and quinoa are so well known because they are excellent dense in calories and fibre and protein products so needed when one can not eat most of what we usually eat ( vegans).
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Post by bracknellboy on Oct 11, 2019 7:48:35 GMT
Not necessarily ( eating cheap and healthy). It would mean eating organic - have you checked prices of organic veg and fruit? Let alone meat. Or not farmed fish apart from mackerel. Organic chicken- 3 times more expensive at least. Not eating dairy products- have you seen prices of organic dairy alternatives (or even organic dairy)? Many would be vegand - fats and protein need to be obtained from somewhere- you do realise nuts and seeds are expensive. Avocado and quinoa are so well known because they are excellent dense in calories and fibre and protein products so needed when one can not eat most of what we usually eat ( vegans). I do hope that is tongue in cheek, (preferably ox). To equate "eating healthy" = must eat organic is just rubbish. Such a first world problem and choice to have. There is little evidence that organic is "healthier", and even if it is its third order effect compared with eating c**p versus choosing healthy non-organic food.
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sd2
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Post by sd2 on Oct 13, 2019 10:50:17 GMT
Not necessarily ( eating cheap and healthy). It would mean eating organic - have you checked prices of organic veg and fruit? Let alone meat. Or not farmed fish apart from mackerel. Organic chicken- 3 times more expensive at least. Not eating dairy products- have you seen prices of organic dairy alternatives (or even organic dairy)? Many would be vegand - fats and protein need to be obtained from somewhere- you do realise nuts and seeds are expensive. Avocado and quinoa are so well known because they are excellent dense in calories and fibre and protein products so needed when one can not eat most of what we usually eat ( vegans). I do hope that is tongue in cheek, (preferably ox). To equate "eating healthy" = must eat organic is just rubbish. Such a first world problem and choice to have. There is little evidence that organic is "healthier", and even if it is its third order effect compared with eating c**p versus choosing healthy non-organic food.
Agreed also cheap cuts of meat are often have much better flavour and are often cooked as stews with tendency to put lots of vegetables in. Ox cheek being an obvious choice as it is soooooo tasty. Depth of flavour is significantly better than your grossly over priced steaks. Not much fat on it what is is easily removed and unnecessary. As an aside a tv program, where experts were consulted it turns out so called super foods don't work. Antioxidants are rejected after a couple of minutes in the bloodstream. The body only accept a set amount increasing the amount you eat has no benefit. They went on to say a fried breakfast was better for you than cereal (reference obesity) as you are much less likely to snack on sh**e. They even said it outweighed the very small increase in the likelihood of getting cancer from eating red meat.
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Godanubis
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Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
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Post by Godanubis on Oct 13, 2019 11:05:36 GMT
Eat cheaply take a little effort and a freezer and preferably a vacuum sealer.. All dated food at eg. Tesco at 7pm ish Including organic produce is sold at 10% original price . Bread 10p etc. Veggies only pennies You can easily get a week of healthy meals under a fiver. If you are a vegan it is even cheaper for rabbit food groups P.S as a student Never Never take a payday loan the detrimental effect on you current and future credit score is astronomical. Learn how to shop smartly without trying to impress your peers with designer items. 1 pair Adidas trainers (cheap ones) £40 would feed you for 2 months.
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sd2
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Post by sd2 on Oct 13, 2019 17:03:46 GMT
I used to do this when I lived in Manchester. Buy one get one free. Original price £2. Computers set up £2 + £2 - £2 = £2 Reduced to 50p, 50p + 50p -£2 = -£1 Had to always make sure I finished with a positive figure otherwise the manager would be called. They sorted it out eventually. Still doing things with supermarkets deliverys. Waitrose are stupidest as in a £80 refund on a £80 delivery and a couple of refunds greater than the price of the goods!
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justme
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Post by justme on Oct 13, 2019 17:17:14 GMT
Not necessarily ( eating cheap and healthy). It would mean eating organic - have you checked prices of organic veg and fruit? Let alone meat. Or not farmed fish apart from mackerel. Organic chicken- 3 times more expensive at least. Not eating dairy products- have you seen prices of organic dairy alternatives (or even organic dairy)? Many would be vegand - fats and protein need to be obtained from somewhere- you do realise nuts and seeds are expensive. Avocado and quinoa are so well known because they are excellent dense in calories and fibre and protein products so needed when one can not eat most of what we usually eat ( vegans). I do hope that is tongue in cheek, (preferably ox). To equate "eating healthy" = must eat organic is just rubbish. Such a first world problem and choice to have. There is little evidence that organic is "healthier", and even if it is its third order effect compared with eating c**p versus choosing healthy non-organic food.
Indeed eating healthy is the first world problem. Forgive me for doubting you actually studied the evidence... Yes of course it depends what do you compare it to- if you compare it to a diet of big Mack's then cardboard value tomatoes are super healthy.. By the way do you express yourself the same in the real life just stating that something that someone said is "rubbish"?
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Godanubis
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Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
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Post by Godanubis on Oct 13, 2019 18:21:15 GMT
I used to do this when I lived in Manchester. Buy one get one free. Original price £2. Computers set up £2 + £2 - £2 = £2 Reduced to 50p, 50p + 50p -£2 = -£1 Had to always make sure I finished with a positive figure otherwise the manager would be called. They sorted it out eventually. Still doing things with supermarkets deliverys. Waitrose are stupidest as in a £80 refund on a £80 delivery and a couple of refunds greater than the price of the goods! Yes it sometimes works with £2 of if you buy 3 @£4.. they get reduced to 40p each you get back 80p more than you spend. You just need to spend the 80p as tills don’t like giving money back. It has has to be money off not just 3 for £10 that doesn’t work and only works at a few places others exclude reduced from offers. It also works with vouchers that give a fixed amount even if item reduced. Essential items to live cheaply are Freezer , Food slicer to get plenty of meals from reduced joints, vacuum sealer that uses ordinary cheap bags. Vacuum sealed and refrigerated veg and fruit last 1-2 weeks rather than days so that cheap lettuce at 5p will last till it is used. Proper vacuum bags can be washed and reused. Wrap food in cling film and saves contact with bag. Not that that good for the use less plastic brigade but 1 litre of Acetone will dissolve a years worth of plastic and can then be used as a plastic protective coating without going to landfill or incineration. You can also buy an ozone generator to sterilise fruit and veg . One from China for use with CPAP machines can be easily adapted to attach to a box . You would also be regenerating the ozone layer. They cost <£25. . For peace of mind use battery model with box placed outside. You can also get dedicated water based fruit/veg hand sanitiser models but they cost more. The point is buy bulk when cheap and preserve for long time.
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Post by wildlife2 on Oct 14, 2019 1:21:39 GMT
Eat cheaply take a little effort and a freezer and preferably a vacuum sealer.. All dated food at eg. Tesco at 7pm ish Including organic produce is sold at 10% original price . Bread 10p etc. Veggies only pennies You can easily get a week of healthy meals under a fiver. If you are a vegan it is even cheaper for rabbit food groups P.S as a student Never Never take a payday loan the detrimental effect on you current and future credit score is astronomical. Learn how to shop smartly without trying to impress your peers with designer items. 1 pair Adidas trainers (cheap ones) £40 would feed you for 2 months. "1 pair Adidas trainers would feed you for 2 months" !! Is that really good advice for students? should they be fried in olive oil or best grilled instead?
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ceejay
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Post by ceejay on Oct 14, 2019 8:27:19 GMT
"1 pair Adidas trainers would feed you for 2 months" !! Is that really good advice for students? should they be fried in olive oil or best grilled instead? Surely soles should always be grilled?
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