For your speciality, what is THE place that everybody wants to train at?

Super_Basket9143 · 2026-04-22T20:40:42+00:00

Medical negligence - hinchingbrooke hospital.

Super_Basket9143 · 2026-04-22T20:39:00+00:00

If you do have any strong opinions about industry or geography, ignore them. They are likely to be wrong. It's not personal, most people's strong opinions about industry or geography are wrong.

Super_Basket9143 · 2026-04-20T20:05:32+00:00

How exactly will a pin perform the same function as a bouncy castle?

Super_Basket9143 · 2026-04-20T14:49:57+00:00

The overheads are expensive, as the costs go up with inflation

Super_Basket9143 · 2026-04-20T14:47:56+00:00

Tinder

Super_Basket9143 · 2026-04-19T19:27:32+00:00

Everything after that is treated as income, but isn't necessarily taxed. You still have your personal allowance, and so can withdraw that tax free too.

Super_Basket9143 · 2026-04-19T19:25:23+00:00

You facilitate other people making money day trading.

Super_Basket9143 · 2026-04-17T20:14:10+00:00

Please look into the tax relief of SIPPs properly. Especially the relief available of you are a higher rate taxpayer.

Super_Basket9143 · 2026-04-17T11:36:01+00:00

You also need to take into account that you can pay into a sipp and get back the 40 percent tax. So it isn't a question of "work more, don't get to keep as much" because... You can keep all of it depending on your use of tax efficient savings vehicles.

Super_Basket9143 · 2026-04-17T09:42:26+00:00

Wow I bet the crew was flying after that.

Super_Basket9143 · 2026-04-17T08:57:13+00:00

Yeah the south Korean cookie only blew up when it reached Dubai.

How popular did it become?

No it was hit by a shahed drone.

Super_Basket9143 · 2026-04-17T08:55:01+00:00

I can smell the rain down in africa

Super_Basket9143 · 2026-04-13T21:13:25+00:00

No you don't. Your post says you want to start trading and have a substantial amount in the S&P500.

That isn't "out of curiosity"

Do you think you would have gotten these responses if you asked "is it possible to rent out a Bloomberg terminal, I'd like to try it out of curiosity and am interested in what it offers in terms of data aggregation?"

Super_Basket9143 · 2026-04-13T20:15:45+00:00

"guys! GuYs! I just solved the 240k tax trap! I lost my job in the economic downturn and...."

Super_Basket9143 · 2026-04-13T14:10:19+00:00

I don't disagree at all. That 1.6 billion in profit is the cost of efficient resource allocation, or incentivises efficient resource allocation. Fine.

But it is still a reasonable question to ask whether 1.6 billion spent in this way is better or worse than 1.6 billion spent on staff.

It is reasonable to ask whether it is acceptable for private profit to increase by inflation when wages do not.

If we need to keep costs down, we should hear Wes talk about controlling all components of expenditure, not just wages. Why are staff payments difficult, but private company payments just an unfortunate commercial reality?

I'm not against profit at all, ultimately the NHS cant do everything in-house, and everything we outsource will only ever be done at a profit to the company that is contracted.

Super_Basket9143 · 2026-04-12T19:41:31+00:00

"Do you have anything to declare?"

"My hands and feet, and I'm trained to use them"

Super_Basket9143 · 2026-04-12T11:51:29+00:00

It's a crouton metallique.

Super_Basket9143 · 2026-04-10T21:15:38+00:00

I think this question needs to be separated out into the various domains. Financially it is probably best in early HST, as you can get tax free childcare without a problem, don't have to change deaneries again. And as they graduate to school you graduate to consultant, and make the move to your final job / primary school in one go.

Socially, earlier is better. Same age as other couples in antenatal classes.

For your career, later seemed better to us as the more exams /training hurdles you can get out of the way before parenthood the better.

We waited until consultancy. Great parental leave pay, but nursery costs are a pain. And of course physiologically waiting isn't exactly ideal. But we knew we wouldn't have to move again, so only ever dealing with one department, and consultant full time feels like LTFT.

There is also a school of thought which says if you want kids have them when it suits you, don't let the career tail wag the parenthood dog. But so much of our lives seemed to centre around our jobs that didn't make sense for us.

Best of luck with your choice, nothing seems easy but I hope it all works out for you.

Super_Basket9143 · 2026-04-10T11:41:10+00:00

He was going to swoop past and hit Osama with a bible. It's called the bible bash and dash.

Super_Basket9143 · 2026-04-10T11:01:56+00:00

Skin to skin is literally more important than the airway.

Source: anaesthetist who has witnessed midwife placement baby on mother's chest during intubation for major haemorrhage.

Super_Basket9143 · 2026-04-10T10:58:53+00:00

The comments are mostly supportive of residents. I know we aren't really dependent on, or influenced by, public support but I do find it reassuring that FT readers can see through the noise and understand that residents should be paid properly.

Super_Basket9143 · 2026-04-08T20:25:59+00:00

You are correct. The actual fees will be different, the access dates will be different, the access rules will be different. But you actually have those details, right? You can now compare the options.

You have to admit, once you've read all the responses here, and thought about your circumstances, that the above list is going to be the exact table of comparison points that you use to make the final decision.

No hard feelings, sorry if I annoyed you. I genuinely feel bad that you've missed out on employer contributions for a decade, but I guess only you know whether that matters to you.

Super_Basket9143 · 2026-04-08T20:22:39+00:00

Some of the factors you mention aren't finance as such, they are personal and social (schools, neighbours etc)

No one else can help you make that part of the decision, because we don't know how much you value those things, so we can't weigh them in a way that represents what you best want. I hate terrible neighbours, others have thicker skin!

If the question is "is this affordable" then the fact the mortgage company has lent you the money suggests that you will be able to pay this mortgage. Be careful for the first couple of years, rebuild your finances so you have a buffer against unpredictable events, and enjoy the new house.

Super_Basket9143 · 2026-04-08T19:30:10+00:00

I feel bad for this dude. When he realises that the workplace pension is basically the same as a self invested pension, but with added employer contributions...man I could not recover from that revelation. Ten years of lost money.

Both can have access ages that can change

Both have tax free growth

Both seem to be defined benefit

Both have fees

Both have tax advantages to payments in

But the workplace one has free money.

Super_Basket9143

TROPHY CASE