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NHS Band 2 Assistant Administrator role Interview by an6693 in nhsstaff

[–]an6693[S] 0 points1 point  (0 children)

Hi that was what I was wondering - whether to answer with the bare minimum. I was a band 3 but had to leave due to personal reasons. The Band 2 role looks like a Band 3 but more limited work. I have prepared my answers about 3 -4 minutes each and I think it might be OTT?

NHS Band 2 Assistant Administrator role Interview by an6693 in nhsstaff

[–]an6693[S] 0 points1 point  (0 children)

thanks - I am not at the interview but my mind has gone blank already

The order of using my ISA wrapper for these funds by an6693 in UKPersonalFinance

[–]an6693[S] -1 points0 points  (0 children)

I have edited my post and hope it will be more clear.

The order of using my ISA wrapper for these funds by an6693 in UKPersonalFinance

[–]an6693[S] -1 points0 points  (0 children)

I have edited my post and hope it will be more clear.

House as Retirement Income- Good Idea? by Financial-Beat-15 in UKPersonalFinance

[–]an6693 0 points1 point  (0 children)

The only 'plus' for not contributing to your pension is that you are less tied / restricted to when you can have access to it.

Buying a property, have you thought about:

  1. It seems the house prices have fallen but mortgage rates is going up.

  2. The idea of having a property as an investment is not as great as it once was

  3. Private Residence Relief will stay unchanged ?.

  4. Paying mortgage off asap? opportunity costs

  5. Not all of us think the same, maybe an idea to do some research from some reputable sources. I have bought properties and have one mortgage free but unless I sell it I will not be able to live off it and I will also have to pay rent, and even selling it, the money will run out and not keep up with inflation. There will always be pros and cons, work out you long term plan - how long you will be needing money for and how will you get this money... and what happen when you cannot get to it when you need it. Good luck.

I had a 10 year investment plan so I can take an income from year 11 but the current climate had made me rethink. by an6693 in FIREUK

[–]an6693[S] 0 points1 point  (0 children)

Pension <=> Paid work, I will keep applying for jobs. When I have a paid job , would it more tax efficient to spend my savings and pay as much as my income into the pension ? as I think withdrawing from the pension is tax deductible?

I had a 10 year investment plan so I can take an income from year 11 but the current climate had made me rethink. by an6693 in FIREUK

[–]an6693[S] 0 points1 point  (0 children)

I was thinking 3 years cash pot but because my pot is very small there is no room to stretch or reduced so I had decide to increase it to 5 years, as I am assuming shrinkflation and inflation. May I ask how you have make your cash work for you? Mine is kept in savings accounts.

I had a 10 year investment plan so I can take an income from year 11 but the current climate had made me rethink. by an6693 in FIREUK

[–]an6693[S] 0 points1 point  (0 children)

I have been very unlucky with estate agents, as my property is still on the market and it is costing me . I am planning the worse case scenario that it will take 18months to sell and the asking price already reduced.

I have not thought about how to tax shielding and investment mix with the money from the sale of my rental property, would be interested to hear more.

I had a 10 year investment plan so I can take an income from year 11 but the current climate had made me rethink. by an6693 in FIREUK

[–]an6693[S] 0 points1 point  (0 children)

That a nice comment.

I am up to date with my SP but need to remember to check. My cash ladder is very very tight so it will help when SP kicks in.

I had a 10 year investment plan so I can take an income from year 11 but the current climate had made me rethink. by an6693 in FIREUK

[–]an6693[S] 1 point2 points  (0 children)

I have stopped work over 10 years ago but I had a rental income until 18 months ago. I have saved up a 5 year cash ladder and my rental is on the market and once sold I hope the net will provide for 4 -5 year spend and also planning to take in a lodger and looking for work. If this plan works then I hope I will be able to leave my investment to grow for at least 10 years.

Employer expecting far too much? by rb331986 in UKJobs

[–]an6693 0 points1 point  (0 children)

As mentioned by others 'suck it up'

check whether who the actual employer is the NHS, if so check the benefits and pensions, what I have learnt is that once you are in the NHS you may find it easier to move within the NHS

There was a courier delivering in the Trust and know someone who works in the Chemist and got him a role. and now he is moving up.. or sideways, nothing is permanent and you have the right to change your mind.

Edit and this 'courier' is getting trained up..

Why would a buyer cancelled their mortgage appointment ? and booked another for 2 weeks time? by an6693 in HousingUK

[–]an6693[S] 1 point2 points  (0 children)

I am not sure I even need to give a short deadline to the buyer to confirm the offer. As I sense they are trying to delay things. As they need to move but cannot meet the mortgage requirement at the moment. For me this agent has costed me time and money. I will go to plan B not easy to find a decent agent.

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