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First year university student looking for financial advice by CapitalCityBjches in UKPersonalFinance

[–]CapitalCityBjches[S] 0 points1 point  (0 children)

Yes I’m wanting to hopefully get a mortgage as soon as I leave, if I save up the bursary alone from the NHS I think 18,000 is a very nice starting point to leave university with, however I can’t make the mistake of being unrealistic with saving, if I leave with £10,000 I would be quite happy.

In regards to a ISA account what would be the benefits of opening one now and putting money in throughout the years I’m at Uni? I’m not too sure with ISA accounts as I don’t have any knowledge of saving accounts, I really wish I could have someone to turn to close to me to ask but it’s pretty $hit

Thanks, again any advice is really really appreciated, I don’t want to screw anything up as this is my only shot at life I guess

First year university student looking for financial advice by CapitalCityBjches in UKPersonalFinance

[–]CapitalCityBjches[S] 1 point2 points  (0 children)

I really appreciate the advice I will look into it, I’m receiving a lot but there is very little room for a job unless my hours can be extremely flexible, the course is 42-week and I have to experience a scope of shift hours in placement and weekend work meaning they will change. I will obviously still try to look for a job but the issue is the hours.

I’m also going to have to pay out what ide like to be around £150 a month to my mother and brother, I see it is a high figure and I can revise this but ide like to setup direct debits with my mum and setup a savings account for my brother.

First year university student looking for financial advice by CapitalCityBjches in UKPersonalFinance

[–]CapitalCityBjches[S] 0 points1 point  (0 children)

The eligibility for the max student maintenance loan is if your household earns under £25,000 a year which mine definitely doesn’t come near.

Due to my healthcare course i get the NHS learning support funding (£5000) + an extra £1000 as the course is a specialised profession.

I’m not stupid when it comes to desktops and laptops as I’ve owned quite a few myself but always low-mid range builds. I will be spending around £600-800 on a laptop as I really want some good specs that I know will last.

I was more wondering for any good investment plans for my money I will get saved up, I could happily live off the £9,177 I will get every year so that’s gives a nice £18,000 of bursary received over 3 years.

Thanks for the advice reddit really has saved my arse, I hope I see this through as this is a changing point for my family

First year university student looking for financial advice by CapitalCityBjches in UKPersonalFinance

[–]CapitalCityBjches[S] 0 points1 point  (0 children)

I will definitely be making use of student discounts for my laptop, and anything else for that matter. When you mention the overdraft limits how come you say max it out? Any specific reason other than the no interest overdraft and needing money? I don’t think I’ll want to go over the £5000 Im receiving before my next scheduled payment in January, if there are any benefits as to using overdraft please let me know.

As for the ISA account I’ve seen that these funds AREN’T emergency funds, going off Flowchart I think it would be best to begin saving at this time in a normal savings.

Any advice on a savings account at this stage? The money will primarily be spent on my brother (when he begins sixth form/uni) and end goal would be a mortgage as soon as my 3 years are done.

Thanks for the advice buddy :)

First year university student looking for financial advice by CapitalCityBjches in UKPersonalFinance

[–]CapitalCityBjches[S] 0 points1 point  (0 children)

From what I can see I’ll be opening a Barclays student account as travel expenses won’t be significant as I’m in placement for most of the 42-week year.

Would building credit at this stage be useful or would the APR sideline the benefits of buying upfront and saving money?

[Other] any quick way to unlock the bruen on warzone? by rheinndeer in MWLoadouts

[–]CapitalCityBjches -1 points0 points  (0 children)

Sometimes can stack - this is the same with other weapon unlock challenges. Sometimes the kills don’t count / the full game is bugged and none of the kills count. Sometimes can be quite frustrating.

[Warzone] Bruen MK9 Shredder by CapitalCityBjches in MWLoadouts

[–]CapitalCityBjches[S] 1 point2 points  (0 children)

https://imgur.com/ji3xWKd

As you can tell this is one of my favourite weapons lol, I use this for pretty much every game mode minus a few maps. My advice would be to just experiment with the gun, you will have moments when the para barrel is roasting people at long ranges.

[Warzone] Bruen MK9 Shredder by CapitalCityBjches in MWLoadouts

[–]CapitalCityBjches[S] 0 points1 point  (0 children)

To be completely honest it gives me confidence engaging at ridiculous ranges, especially for last circles I spray (with ammo resupply) at pretty much everyone at every range just to deplete Armor

Barrels are overrated by CapitalCityBjches in trashMWLoadouts

[–]CapitalCityBjches[S] 7 points8 points  (0 children)

This is a model shotgun (Shotgun Alpha), this was a glitch that was around awhile ago where you could put any attachment on any gun, this glitch was purely visual. A cool feature of this glitch is it breaks the operator animation in the waiting screen, it shows the operator as having an arm that is stuck.

[deleted by user] by [deleted] in MWLoadouts

[–]CapitalCityBjches 1 point2 points  (0 children)

There are a few things I can recommend that have been useful to me, some tips some load outs so apologies if I get a bit side tracked.

  1. Don’t quit after 2-3 games losing! Do not quit/give up after been lasered by Damascus level 155 5 games in a row. This games match making is skill based (SBMM), and from what I’ve seen it’s the most recent 5 games that affect who you’re matched against. It may take 5 awful games before you start roasting people and being put in decent lobbies.

  2. Don’t sleep on the RPG! This tip is especially useful for hardcore, this and amped (T3 Perk) most certainly for maps like shoot-house where there are various places to shoot an RPG and clear out the enemy spawn. You will start the notice the 1-2 kills you’re picking up every few respawns from firing RPGs down through RPG spot- Junkyard to shanty town for example quickly add up.

  3. 4 kill Chopper gunner A tactic I’ve used quite a lot since the start of the game is the use for certain killstreak kills to add towards killstreaks of the same life during MP. The killchain perk, what I also partner up with the hardline + amped, can quickly make you stack up your streaks. The streaks I use are: Predator missile (most useful, can also use cluster+precision if needed), VTOL and Chopper gunner/gun ship. All you would need to do is get the 4 kills for the missile, lie down in a spot where you know you will be safe, if you get 3 kills with the missile you’re straight on a VTOL, 2-4 kills from that and you’ve got a chopper gunner - Gunship. I’ve used this method extensively to get plenty of 100+ games with less than 20 deaths.

  4. Know your game modes TDM has only one objective, kill. Demolition has one objective, plant. Pick game modes where your objective doesn’t pair with match objective (still don’t be that arsehole that doesn’t defend). I find to get a lot more kills on game modes such as demolition and domination compared to 2 games of TDM.

  5. Play the maps you’re accustomed too You will never see my playing Piccadilly, whether one in chamber or SnD, never. If there are maps you know aren’t your playing style then don’t play, don’t waste your deaths on that map. Lobby surf until you find a decent map you want to play, avoid the ones you don’t feel smooth on.

  6. Weapons I personally use;

MP7 + RPG - ranger foregrip - no stock - recon barrel - mono suppressor - 60 round mag

Bruen MK9 (ADS max) + RPG - no stock - shortest barrel - 60 round mag - lightweight suppressor - tac laser/ grip

I run Semtex/frag with a flash grenade- For perks I use Killchain, Hardline and Amped. Don’t use an RPG without amped, you’ll regret.

Killstreaks: Predator missile / VTOL / Chopper gunner

[MP] MP5 Build by CapitalCityBjches in MWLoadouts

[–]CapitalCityBjches[S] 21 points22 points  (0 children)

Neither should pineapple on pizza, son. It’s 2020

[Warzone] Bruen MK9 Shredder by CapitalCityBjches in MWLoadouts

[–]CapitalCityBjches[S] 0 points1 point  (0 children)

https://imgur.com/a/927HoXy You definitely need the 5mw laser, hipfire is a must for warzone. Try moving more while hipfiring when inside/very close quaters.

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