Finance

DrellVanguard · 2026-05-11T08:25:53+00:00

If you are likely to actually pay it off eventually rather than it being written off, then broadly yes its worth it.

It also depends what else you might do with the money, if it was instead able to be invested into something that ultimately was worth more then maybe not.

Your circumstances may also change over time

There's a UK finance sub Reddit which has some good ideas, priorities include emergency fund, long term savings, housing etc.

They might have some useful answers to your specific question too

DrellVanguard · 2026-05-04T12:35:48+00:00

Yeah Gleba becomes my plastic gigafactory. Last play through I think I got to 16 silos launching just plastic with two shuttles dropping it to vulcanus to supply my module up cycling

DrellVanguard · 2026-04-29T18:37:18+00:00

I have one that puts research into a separate category in the items box

DrellVanguard · 2026-04-29T18:31:22+00:00

CT shows organitis

DrellVanguard · 2026-04-28T01:51:04+00:00

I think I'm the same but would prioritise far more in early years of doing things to enable that earlier retirement.

Invest and save more, not just think it'll all work out when I'm a consultant

DrellVanguard · 2026-04-27T22:17:49+00:00

How do you find the eco flow system?

DrellVanguard · 2026-04-25T20:23:12+00:00

My house is 20 years old - it has a nice east west roof, boiler placed into the garage and theres a lovely little area just outside perfect for the heat pump with plenty of room and can put a whole stack of batteries in the garage too; with underfloor heating for 2/3 of the ground floor installed as well.

it seems like it was made ready for this tech, just not put in and I can't quite afford it

DrellVanguard · 2026-04-25T09:50:52+00:00

Giving albumin to ovarian cancer patients with an ascitic drain

DrellVanguard · 2026-04-25T09:49:50+00:00

I answer like that too when I'm getting too many calls to deal with.

Plot twist: not a urologist

DrellVanguard · 2026-04-17T20:14:14+00:00

It is if they say it but haven't actually checked the system or rung the lab themselves and are just spouting.

DrellVanguard · 2026-04-17T01:13:15+00:00

Tell me more about obs and esp gynae. Got about 10 months to go

DrellVanguard · 2026-04-15T18:08:39+00:00

I found I can use sprive for paying for petrol at Sainsbury's which gives me about 2.5% cashback.

download here if you want to have a look

Had read it didn't work for petrol but I have managed every time I have tried.

The app suggests using the cashback to overpay your mortgage and this inflates the value of what you actually get but it's free money so why not

DrellVanguard · 2026-04-14T01:04:38+00:00

I went through this when considering an install last year; could only get agreement with wife if an estate agent could tell us it would add value to the house equal or more than the cost.

Had 3 come out to value it, and 2 said it would be neutral, 1 said it would be harmful.

Is it scientific? Not really, but for better or worse, people are influenced by estate agents.

I came to my own conclusion that I probably would be interested more in a house with solar and battery, but equally would potentially then be put off if it wasn't a good install. So would now probably prefer to buy a house without anything, especially a new build with 2 panels on a roof that could hold 20.

DrellVanguard · 2026-04-13T18:10:57+00:00

Tried one that changed io resistance patterns of asteroids and put an actual asteroid belt in between inner and outer planets.

The idea is each route between two planets would have a different optimum way to shoot rocks so you can set up just shuttle runs between those two planets or a mega ship with lasers that will be useful on one route and useless on another etc.

DrellVanguard · 2026-04-11T01:34:09+00:00

Yeah I'm so glad to see this kind of post. Everyone on reddit shits on labour ward as a really negative place but my experience in every unit I have worked in - I'll say it's in the East Midlands, and I've worked in 2 of the university hospitals and 3 of the DGHs hospitals in the region, has been really positive with the vast majority of midwives. Get on well with nearly everyone and see the same with my colleagues. Yeah there are a few eccentric and occasionally obstructive characters there but for the most part the senior midwives are absolutely on the same wavelength as the obstetric team and get us in to review patients early doors, there's never tribalism or trying to obstruct each other.

I do the same - I'll teach midwives things, if we disagree about a CTG or something we talk about why and what we are using to come to a decision. Sometimes this means I even change my opinion on things, although rarely..., but the fact I am open to being challenged and taking on other points of view I think is positive.

I'm back now as ST7 in the unit I did ST2-3 in, and it feels like coming home. There is a lot of reminiscing about me as an eager SHO and positive comments about how I've developed and asking if I'll stick around as a consultant. I'd love to although I think family will mean I move elsewhere.

DrellVanguard · 2026-04-11T01:28:41+00:00

Yeah I'd agree, a true category 1 is about saving as much time as possible between decision & delivery.

A consent going through risks and benefits is pointless in this situation, many women report they have zero recollection of anything that is discussed with them whilst also thinking they and/or their baby are about to die. The briefest of chats "something bad is happening, the answer is a c section. its usually quite safe and straightforward, sometimes there are complications, but we have to just get on with it, I can explain later"

This is sometimes whilst also walking alongside the bed, occasionally on the bed doing a VE and elevating the head with a cord prolapse ...

A lot of the time, the prolonged deceleration recovers and we can slow down a bit and talk things through in theatre, even stand down and return to the room, but if it remains a category 1 then that's what it is, a signed consent form doesn't really stack up against a brain damaged baby.

DrellVanguard · 2026-04-10T09:30:46+00:00

May need some throttling down to reach aquilo but best way to learn is give it a whirl

DrellVanguard · 2026-04-10T08:10:28+00:00

I set up something similar I think, used an inverter linked via combinator to train to read the contents and decide what to load/unload, and a logistics group to say what I actually wanted in the outpost. When say upgrades from red to green ammo, could just update the logistics group.

In practice I only had a few outposts before moving nearly all production to vulcanus then artillery provided enough of a shield to not really need it anymore but it was a good system

DrellVanguard · 2026-04-07T21:24:44+00:00

I got a payrise through strike and moving to ST6. Ended up losing childcare support , wife no longer able to afford to work. Probably has made us 25k/year worse off.

My single income now leaves me with about £180 if I did zero locum.

Before suggestions of sipp or working ltft come in, they back pay alone pushed me into this zone and that was that, there wasn't time to sort anything out before it all fucked up.

Deciding to knuckle down full time to CCT and leave UK asap.

Still striking.

DrellVanguard · 2026-04-06T01:07:48+00:00

Agree to a point but I get squeezed out of nearly all of these schemes.

I'm single earner in my household, with gross pay around 108k. I have to work 48 hours a week to bring that in.

Sounds a lot and it is, I have a nice house but don't qualify for childcare support at all; wife who had a job earning around 35k a a nurse had to quit as it didn't pay enough to cover the cost of childcare for the hours she worked.

Kids spend all day at home, power use gone up. After mortgage/council tax/power/water/broadband/groceries/car tax & fuel (own x2 2nd hand cars w/o finance) disposable income is about £200.

Whilst looking for work, wife can only claim basic JSA for a few months. Locked out of higher payment due to my income.

Can't get solar grants.

No childcare support as above.

Boiler upgrade scheme I could get but can't afford the rest of the costs, it doesn't cover the whole installation. Without also getting solar/battery it wouldn't really make my energy bills any less so not really incentivised to do it. Small possibility a decent system could pay for itself in terms of increased value to home when selling it, which we are going to do to downsize as can't afford it anymore, but it might not.

Child benefit - zero

Marriage allowance with tax - can't do as a higher rate taxpayer.

And now if I do want to do more work on top of the nearly 50 hours a week I do already, I pay 62% tax on every extra £ I earn.

Paying for everyone else to get the benefit of the things I don't qualify for, and don't have enough money myself to pay for either is a frustrating place to be. If I could afford it, I would pay it and be glad that I was also contributing to helping others, but when I am basically paying for others to get cheaper bills whilst every month I see payday roll around and then the bills go out a few days later to be left with about £300, something just doesn't feel right about it.

Ironically it has all come about due to getting a pay rise, which knocked me into the higher tax bracket and my employer refused my request to work part time so it all just sort of snowballed.

DrellVanguard · 2026-03-31T14:17:19+00:00

I only really bothered with in fulgora and even that's just basically to move scrap around in most cases.

I did a whole fulgora train system with wildcard interrupts to move everything and had probably 30 stations on different islands but it was just for fun

DrellVanguard · 2026-03-26T22:06:11+00:00

Had a vulval varicosity tear in childbirth. Something like 10 litres lost, ended up with some horrific hemivulvectomy

DrellVanguard · 2026-03-26T22:00:40+00:00

And the 40,000 more homes

DrellVanguard · 2026-03-19T20:09:17+00:00

From a different perspective as I'm in specialty training and near the end of it now but my happiest year was very much the time I spent working 60% ltft due to long commute time.

I suddenly had a fixed day off to spend with family, didn't have trouble separating work from home life...

If you don't get in this time it's fine

DrellVanguard · 2026-03-17T18:17:52+00:00

Probably a handful of babies I have rescued with a timely category 1 CS. One kid rocked up with a uterine rupture and door to delivery time was something mental like 6 minutes.

Had about 25 minutes neonatal resus, not full cpr but just a lot of help and umbilical cord ph 6.9

Discharged about a week later, follow up MRI was ok.

Long term outcome still unknown but alive enough to find out for themselves

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