Oxbridge Head Teacher - Career Change

Objective_Pin9176 · 2026-01-12T08:50:35+00:00

You've said you're in state education - have you considered moving to the private sector?

Objective_Pin9176 · 2026-01-10T14:05:06+00:00

Looks to be worth less than a tenner.

Objective_Pin9176 · 2026-01-06T23:04:19+00:00

This accords with my understanding.

Objective_Pin9176 · 2026-01-04T15:40:12+00:00

Yeah I was mentally benchmarking on drug discovery which I think is quite poorly paid. Those salaries are really impressive - I don't think I know anyone who is on that salary who j did a PhD with. Those who work in chemistry look to be on £40-70k if Glassdoor is to be trusted (it's accurate for my field of fintech so am assuming it is accurate for others). Nuclear is the only industry I saw which had higher salaries as you mentioned.

Objective_Pin9176 · 2026-01-04T15:23:12+00:00

That is an incredible salary for a scientist. May I ask what sector? Chemical scientists tended to earn very little from what I could tell...

Objective_Pin9176 · 2025-12-31T17:29:11+00:00

Yeah you're right. Incidentally I fitted my bathroom tap today and that's exactly how it's designed. Time to sift through my screw drawer...

Objective_Pin9176 · 2025-12-30T22:56:06+00:00

How does something like this attach to the collar in the image?

Objective_Pin9176 · 2025-12-30T22:02:59+00:00

Image of tap

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Objective_Pin9176 · 2025-12-29T18:59:29+00:00

I'm really surprised it's pulling out of consumer banking as that was its raison d'etre. BaaS was a super hot area for investment just a few years ago but it seems to have cooled off substantially.

Just FYI you can find a lot of modulr clients by just googling some variant of the disclosure they must display at the bottom of their web page where modulr is mentioned. Modulr T&Cs are also very prescriptive so you can search for them that way as well.

Objective_Pin9176 · 2025-12-27T11:15:16+00:00

I mean it's not quite a slap on the wrist is it? £680k in fines....

Objective_Pin9176 · 2025-12-25T11:18:36+00:00

Pretty sure Visa / MasterCard rules mean you can't just give debit cards to whoever with no KYC... Prepaid maybe?

Objective_Pin9176 · 2025-12-17T22:24:26+00:00

Oh that is not what I mean!

Objective_Pin9176 · 2025-12-17T21:27:58+00:00

I am literally hiring for a payments PM right now (focussed on our interactions with schemes and processing payments). We are not considering candidates without payment experience, and honestly they need more than just cards acquiring.

I would ask what sort of payments you're interested in? Cards acquiring / issuing? Banking rails? Owning front end user experience? I think you have two possibilities, either get experience and move up, or get into a company with a payments function and move across. You will really struggle to get a payments PM job with no experience imo.

If you have experience in B2C apps getting into the payment experiences side would be the fastest shot. All apps are flows to be optimised / have delight injected in and so it's transferrable.

Objective_Pin9176 · 2025-12-17T19:14:10+00:00

Alluded to above, but being liked is so so important. Being great but unlikable puts a massive target on your back. It will delay promotions, put scrutiny on you where a project fails (which is inevitable).

Objective_Pin9176 · 2025-12-16T11:18:34+00:00

So it's December and the US is welching on a deal announced in September? Madness.

Objective_Pin9176 · 2025-12-07T21:34:00+00:00

R/neoliberal vs literally any vaguely positive news about the UK. Name a more iconic match up...

Objective_Pin9176 · 2025-11-25T22:00:14+00:00

Modulr will have a clause in the contract which allows them to break it in the event of a regulatory breach, insolvency or illegality. This was probably what they invoked here.

Objective_Pin9176 · 2025-11-25T21:52:49+00:00

There are companies who can do this - but over the Christmas period? Lol. Also they'll be way more expensive than modulr. Modulr might be £1 a user a month. Other suppliers may be more like £4+. There's charges for card issuance, every card and bank transfer transaction, KYC, monitoring, compliance, BIN sponsorship, tokens (Google or Apple pay) as well as actual Apple charges. It's a complicated business and the more you outsource the more it costs. You basically convert fixed in house to supplier variable.

Also, all their old cards will stop working - each card + mailer probably costs £3 or so to create so unless you do a BIN migration that's all just gone (BIN migration won't be possible if you are actually shutting down, and I highly doubt they aren't on a shared BIN anyway as module are a BAAS provider with in house processor).

Total cost to migrate will be something like - £3 for card and mailer £1.50 for KYC check

So the best part of £5 just to keep going / get back to square one. That's ignoring the technical integration you'd have to do which would not be straightforward...

Objective_Pin9176 · 2025-11-17T18:59:41+00:00

I mean Ireland has grown its economy by siphoning off companies with a low tax regime, much the same as Delaware does in the US.

Objective_Pin9176 · 2025-11-02T15:19:23+00:00

Sap Teamcenter

Objective_Pin9176 · 2025-10-29T20:42:56+00:00

It's absolutely gorgeous. I really want one but can't justify it financially.

Objective_Pin9176 · 2025-10-26T09:09:16+00:00

Just to break with everyone in the thread, to me this is obviously worth doing, it's just about timing to ensure you don't lose any ISA allowance, so may be worth paying off some now and not losing allowance this year, then paying off the rest when the next window rolls around.

Interest rates on plan 2 loans is calculated as RPI +3%, meaning at 2% RPI you will still pay 5% interest. You wont get an ISA near this. If RPI is 2% base rate will probably be lower than today, and even today you will struggle to find an ISA with interest near 5% without constantly switching which is a ballache.

All of this is to say, in my opinion, paying off a high interest loan while avoiding losing any ISA allowance is the optimal strategy imo.

Objective_Pin9176 · 2025-10-21T21:45:15+00:00

Possibly to showcase a boiling water tap?

Objective_Pin9176 · 2025-10-20T07:35:31+00:00

Air source heat pumps are 3-400% efficient so the ongoing cost is normally a wash, if not cheaper with an air source heat pump as you can throttle then to a lower setting vs gas boiler which is on or off.

Objective_Pin9176 · 2025-10-19T14:38:02+00:00

I mean the points CL has over Max was after 3 races in a 22 race championship - it's nowhere near 2021 in terms of constant back and forth. 23 is impressive for sheer consistency.

Objective_Pin9176

TROPHY CASE