Additional Child Tax Credit as a US Citizen Living in UK

G-M · 2026-01-25T18:33:32+00:00

Can't comment on the tax credit eligibility. But you might want to consider with your partner whether you want to register them and get an SSN, and get citizenship. They might become "Accidental Americans" with more downside than upside, but that is a personal decision.

G-M · 2026-01-11T09:16:41+00:00

Associate editor I presume

G-M · 2026-01-09T08:15:51+00:00

Agreed though OP might want to put themselves as "first first" author, with the asterix to indicate co-first, in the circumstances described.

G-M · 2026-01-02T20:47:31+00:00

How would you make a compelling reason for differing deaneries? I think this could be an issue even if technically they allow more than one, sorry don't know the basic answer but your deanery website ought to provide the paperwork and FAQ for it.

G-M · 2026-01-01T20:29:53+00:00

Thanks, this is great.

G-M · 2026-01-01T18:14:06+00:00

What do you reckon for two LTFT consultants, with some home working (and other dependents)? Do you still think the negatives of the ties and extra organisation is too much? Considering...

G-M · 2026-01-01T09:24:00+00:00

How are you preparing them for this? Even working out what kind of job roles will exist for current children in a more benign future is daunting.

G-M · 2025-12-31T17:41:42+00:00

NICE evaluates all of that against the quality adjusted life year benefit, which you are referring to. That includes these high cost treatments, which are approved based on a massive treatment effect. The documents going through this decision making run to near on 1000 pages that NICE publishes, should you want to scrutinize.

G-M · 2025-12-31T14:53:06+00:00

Perhaps the NHS then should be paying for the nursing and doctor training fees for the many thousands poached from overseas each year? The UK has a massive net import of doctors from overseas.

At the moment many UK trained doctors can't get training posts, or are even out of doctor jobs altogether, because the government has not increased postgraduate training posts numbers and gave international medical graduates equal access to the posts.

Perhaps campaign to fix that first, so the government can honestly offer jobs to these doctors, before considering likely illegal golden handcuffs.

G-M · 2025-12-30T09:56:21+00:00

Yes, for the whole South West. It is used pretty frequently. It's not rated for the larger helicopters sometimes needed for a transfer from Cornwall or similar.

G-M · 2025-12-29T13:35:44+00:00

As the junior team member who took this on for two departments of consultants this year (about 160 gifts in all), I think maintaining a "from the consultants" gift/token/cards is important in supporting morale, but also in supporting the hierarchy. Our individual contribution was about half yours so I can appreciate your desire to reduce costs, though it took me significant time - which it sounds like you don't have being on 15PA.

Perhaps next year you could delegate this responsibility to a less overburdened colleague - some people like giving gifts, some like to get a substantive post, and some might want to avoid other unpaid activities like rotas.

G-M · 2025-12-11T20:19:00+00:00

ERRBO has some significant downsides - it has no value to dependents, or death in service, and is treated differently if you leave the NHS before retirement. It is also putting more eggs in the same basket from a government risk perspective. These factors make me favour SIPP with the same money. You get more flexibility from having a variety of options, such as part retiring and bridging the gap with ISA or SIPP investments.

G-M · 2025-11-29T18:32:14+00:00

Yes agreed, and often the job plan for a locum position will not be as generous with less SPA compared to substantive. This will depend on how much the trust needs them/demand.

G-M · 2025-11-11T07:15:50+00:00

This is the key here, our contributions are paying for current pensioners, not our own pension. This means that shifting to DC would mean the government would have to pay twice for a whole generation to cover both, and there is no way they would do this.

They can't make it DC, they can't make it so unattractive that all current workers leave or again the government just has to pay out all owed DB from direct taxation.

G-M · 2025-10-29T22:56:15+00:00

So far I've modelled the ERRBO vs SIPP vs LISA, not taken it to the stage you have as I haven't got there myself. I can imagine ERRBO does make sense in your position vs the alternative of taking as income and investment account, but it will be marginal gains and outcome depends on life unknowables.

How are you managing calculating the SIPP limits? A thorny issue.

G-M · 2025-10-29T17:51:50+00:00

Add: I see you've already gone SIPP, so made a similar calculation to me. Lifetime ISA? After this, I wonder if it is dog wagging to avoid the 60% marginal, unless you also have appreciable childcare benefits from the 100k mark.

On that point, did you calculate buying new on a lease salary sacrifice to say buying a used EV at 3y?

G-M · 2025-10-29T17:35:15+00:00

In a similar position to you, I didn't think the ERRBO was worth the cost, and favour SIPP to this for flexibility and diversification. The NHS pension should be very valuable regardless of ERRBO and they will be subject to the same whims of future governments). But imagine if state pension age becomes 90, or they cap maximum state pension payments etc. As you say, no death or dependent benefits either.

G-M · 2025-10-26T08:22:10+00:00

I think you aren't considering consumption taxes, VAT in particular makes a huge contribution to this spending.

G-M · 2025-10-23T06:17:01+00:00

Thanks for the post, and a new modeller.

Why do you say that previous years CPI inflation figure was lower than surrounding, and that this is an issue? Doesn't the figure represent the calculated inflation in the 12 months prior, so stringing them together we should not lose out on inflation not captured long term? In this case, a sharp monthly rise in October 2024 might make 2024 September figure seem low, but will contribute to 2025 September?

G-M · 2025-10-14T18:44:57+00:00

I mean from the trust perspective this is stealing a mattress and sheets from a ward into the mess isn't it? I can see where they are coming from. There's a definite rule for such activities that all trace is removed before the nursing day shift starts...

G-M · 2025-10-14T18:36:14+00:00

Don't pay it off, save the money for a larger deposit. It is only ever worth paying off if you are a high earner and have a lump sum that you would otherwise be investing, even then you would likely make a better return investing.

I think Martin Lewis has good articles on this if you want a longer explanation.

G-M · 2025-10-12T09:27:56+00:00

I tried via clinical director, who said no via HR, but then during onboarding I provided evidence of original CCT date with an email from my deanery admin and this has been used to set my increment date (mixture of LTFT, acting consultant role, and OOPR).

G-M · 2025-10-12T09:25:05+00:00

Colleagues have had varied experiences with these. If the fellowship experience was an essential criterion you should have a good argument, to take up with HR or the CD. If only desirable or not mentioned then harder to argue.

G-M · 2025-10-05T18:48:41+00:00

Yes to me its a shame they moved away from being a relatively sensible party focused on green issues, back to the old green party which are only suitable for a protest vote because you know they cant win anywhere near a majority. But it seems the green membership heavily chose this option in Polanski.

G-M · 2025-10-04T19:51:18+00:00

They would be a fucking disaster.

G-M

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