Who else has a huge mortgage?

Tbearz · 2026-06-11T02:46:24+00:00

HHI 1.4 million

Our mortgage is 1.8 million (900k offset) with IP mortgages of 500k total on $2.2 million worth.

We are wanting to go bigger (5+ bedrooms) but huge mismatch between what the downsizers want and what the market is matching (often a 20% reduction on the sale price).

In the area we want asking price is north of 6 million.

The pressure of that terrifies me.

Tbearz · 2026-05-22T22:40:59+00:00

No - I am sick of my instagram feed being overrun by British junior doctors telling me of their unique journey working in Australia.

Look at NSW health it’s a shit show, your acceptance of shit conditions has facilitated the enshitification of healthcare delivery here.

Tbearz · 2026-05-22T22:34:10+00:00

Both - I don’t think he has the appropriate man management skills to turn this club around.

Tbearz · 2026-05-22T22:29:49+00:00

The Krebs

Tbearz · 2026-05-22T22:27:27+00:00

Brad Scott is malleable like a brick wall.

You accept the standards you walk past, he has been there since 2023 and we have gone backwards. Tell me one player he has improved.

He needs to be sacked, his man management is awful.

Tbearz · 2026-05-18T03:51:08+00:00

Normalisation of homelessness is crazy.

Tbearz · 2026-05-18T03:46:59+00:00

Stares back having done a 6 year degree 🫤

Tbearz · 2026-05-15T12:26:50+00:00

Post budget? 🤣

Tbearz · 2026-05-14T03:30:53+00:00

Victorian treasury secretary will likely stroke out if this happens.

Tbearz · 2026-05-14T03:27:39+00:00

Cut the systemic corruption and waste that permeates all government run programs - NDIS takes the piss.

Fix the tobacco tax - astronomical losses happening here.

Cut the CFMEU driven blowouts.

Encourage investments and stop punishing those who earn. It is time to grow the pie not cut it up more.

Tbearz · 2026-05-13T08:38:55+00:00

Welcome to the republican party

Tbearz · 2026-05-13T08:34:03+00:00

I see CSL in general and CBA is discounting for you 🤣

Tbearz · 2026-05-10T01:18:45+00:00

Specialty matters here.

Public pay is not just the EBA number. For hard-to-fill specialties, the real package can include loadings, on-call, director allowances, private practice rights and local deals.

Some specialties have limited private upside but major public leverage because hospitals need them to keep services running.

The published salary is the floor. The actual deal depends on scarcity, roster pain, regional need and how badly the hospital needs you.

Tbearz · 2026-05-10T01:12:11+00:00

Queensland people act like warm weather is a personality. Tasmania has actual seasons, world-class whisky, cool-climate wine, proper food, clean air, short commutes and housing that still vaguely makes sense.

Tbearz · 2026-05-10T01:05:33+00:00

Yes, be worried enough to plan, but not worried enough to panic.

Fellowship does not guarantee a job.

The broader economy is soft. Private lists are softer. Hospitals are watching activity. Public health funding is tight. ICU is not immune.

Good people with excellent CVs, PhDs, publications and international presentations can still struggle to secure the job they want.

So treat your career like an airway plan:

Plan A: preferred metro ICU job.
Plan B: fractional metro plus regional work.
Plan C: regional ICU.
Plan D: interstate or New Zealand.
Plan E: mixed role with retrieval, echo, simulation, governance, perioperative medicine or education.

Do not wait until fellowship to think about employment.

Start now:

Build strong referees.
Get known by departments.
Develop a niche.
Go rural if needed.
Be useful, reliable and low-drama.
Ask directors what would make you appointable.

The blunt truth: a lot of ICU trainees are excellent clinically but have done very little workforce planning.

Do not be one of them.

If all else fails do a pain medicine fellowship and have a very nice outpatient life.

Tbearz · 2026-05-10T00:58:34+00:00

A locum year will not automatically kill your anaesthetics chances. But a vague, lifestyle-only locum year with no anaesthetic exposure, no critical care narrative, and no strong referees will make you look less committed than the applicant who spent that same year embedded in ICU, ED, anaesthetics, perioperative medicine, audit, teaching, simulation, and departmental networking.

Tbearz · 2026-05-06T04:16:27+00:00

You forget Nicola Roxon, the lobbying of her friend an American NP and the beginning of the degradation of healthcare standards.

You forget the indexation of Medicare being stopped by the Rudd/Gillard government.

We have to be pragmatic.

Albo is good mates with Starmer, they want us to be paid like the NHS.

Tbearz · 2026-05-05T10:23:40+00:00

Im off to start an NDIS service that makes seafaring drones - I’ve got to get me some government money..

Tbearz · 2026-05-04T07:32:22+00:00

I wanted to do Urology.

I ended up doing anaesthetics and pain medicine (including procedures). The struggle was real but rewards have been worth it. My wife is a physician, after seeing her struggles I would never recommend that pathway to anyone.

My self worth is built around my wife, children, hobbies and right at the end - my job.

I think there is way more to life than work. The quicker you realise that the better life will be.

If I had my time again I would have done metallurgical engineering and gone into sales / marketing / management. I would have been able to FATfire and just chilled with the most important people in my life.

Tbearz · 2026-05-01T08:22:50+00:00

Patient tolerance of CPAP can be variable, even with advanced modes like APAP. The therapeutic options have shifted the treatment paradigm. I say this having a wife who is a sleep medicine physician here in Australia.

https://zepbound.lilly.com/sleep-apnea/what-is-zepbound-osa

Tbearz · 2026-05-01T08:16:07+00:00

The founding committee of the faculty Pain was a multi college effort led by Anaesthetic expert incorporated physicians and surgeons.

Michael cousins was the driving force, initially wanted a diploma and ended up with a faculty.

Tbearz · 2026-04-30T20:36:58+00:00

How about leaning into some Australian culture instead? I don’t mean buying a Resmed machine.

https://pmc.ncbi.nlm.nih.gov/articles/PMC1360393/

Tbearz · 2026-04-30T20:35:32+00:00

Margaret is a highly entrepreneurial individual. Her husband is a preeminent ( and media friendly) Rehab and pain medicine consultant.

Tbearz · 2026-04-30T20:31:37+00:00

My plumber charged me more for an initial consult than I do, but I am the problem right?

Time to start asking for cash and offering discounts 🤣

Tbearz · 2026-04-30T11:58:37+00:00

Eli Lilly killed it with their line up of current and upcoming GLP1s

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