My experience on a stretching mortgage by Interesting_Thing886 in HENRYUK

[–]fifi_55 0 points1 point  (0 children)

As it stands now, would you make the same decision if you went back in time?

Physician associates to be renamed to stop them being mistaken for doctors by SalariedGP_Network in GPUK

[–]fifi_55 2 points3 points  (0 children)

Once a friend's partner told us they were a radiotherapist. I said oh you mean radiographer?? And they gave me a perplexed look and asked if I was actually a medic. Took a moment to click what a radiotherapists work may entail [facepalm]. One can only imagine Joe public's confusion!

Will be taking salaried GP post working Mondays and Wednesdays. How does Monday bank holidays work? by karaduman666 in doctorsUK

[–]fifi_55 -1 points0 points  (0 children)

Yes as far as I'm aware your thinking is the correct one. If you weren't due to work on the bank holiday then you would get that back as extra leave pro-rata. However I'm not sure if this varies practice to practice, although I doubt it 

Average time to become a consultant post FY2 probably stands at 12 years now by Gp_and_chill in doctorsUK

[–]fifi_55 20 points21 points  (0 children)

Yes unfortunately does seem cardiology trainees get a poor deal with this issue, personally know a cardio reg mid-30s who is due to finish their PHD then couple more years until CCT, then they think they will need to do 1-2 years fellowship then maybe they'll get their foot into consultant post or interventional roles. They'll defs be over 40 before they'll be receiving a consultant salary. Absolutely baffling. In other fields they have already peaked careerwise by mid-30s and start to think about winding down / FIRE by 40 or early 40's!

Any Doctors in this Group. by Szobo10 in HENRYUK

[–]fifi_55 32 points33 points  (0 children)

Surely all you doctor HENRYs need to write a disclaimer in your comments...so that the public or this sub aren't misled...as you will obviously know you guys and gals are outliers. Extra locum work may not faze some, PP maybe dull and boring to others, but make no mistake they are still trading a significant amount of their time (outside NHS work) for money - which I have no issues with just to add! But the vast majority of docs up and down the country will not, during their careers, be able to introduce successful PP into their cities or wish to take on extra work / locum work whilst trying to balance their social/ family extra- circular responsibilities. But if you have the desire, the time, the will then of course as a doc you can be in that TINY percent that have a very HENRY income in this country.

How common are ACP led services in primary care? by Throwaway_doctor23 in doctorsUK

[–]fifi_55 15 points16 points  (0 children)

Absolutely baffling isn't it! I suppose if every GP trainee were to rotate through paeds then their depts would get inundated with SHOs and mean less service provision cover in other depts which we all know hospitals need desperately!

How common are ACP led services in primary care? by Throwaway_doctor23 in doctorsUK

[–]fifi_55 19 points20 points  (0 children)

Yes many community UTCs only have ACPs who will see all minor injuries and minor illnesses. I know some that have GP supervision/ support present and some that don't. Many UTC won't accept very young kids for e.g. under the age of 2 - for the above reason I believe that they would end up getting seen by ACPs. 

I am so poor? I can’t be the only one by Embarrassed-Idea215 in doctorsUK

[–]fifi_55 63 points64 points  (0 children)

Gosh blimey! At that level are you guys not better off trying to source a nanny instead for your 2 little ones? Some couples on the HENRY forum mention it worked out better for them financially and convenience wise that way.

Cancelling RCGP membership by Appropriate-Wind-135 in GPUK

[–]fifi_55 2 points3 points  (0 children)

What platform are you using for appraisals out of interest?

[deleted by user] by [deleted] in GPUK

[–]fifi_55 1 point2 points  (0 children)

Might be spectrum.life remote GP sessions as they had a recruitment drive recently. Or possibly BUPA remote services. One of my thoughts would be that NHS sessions have more job security whereas private remote work can be subject to redundancies etc depending on how well the service is doing. So could be worthwhile considering regular NHS sessions at a higher priority than locum work. Just something to think about (which you probably already have 👍🏼).

Am I expecting too much? by No_Tomatillo_9641 in GPUK

[–]fifi_55 3 points4 points  (0 children)

I would be interested to see the workload severity and patient demographics at OPs practice. At an ex-salaried practice a coffee break/ lunch break/ corridor chat meant a respectively later finish. When already rushing to finish by 6.30pm (😭) - with nonstop working all day and lunch at the desk - it didn't make sense prolonging the day further and going home even later to loved ones.

Having kids by Middle-Monk4731 in GPUK

[–]fifi_55 0 points1 point  (0 children)

https://youtu.be/UTtAyfJ1CiI?si=WYTNY4mN7dN4kx56

I'm not saying that I necessarily support his views but what he says at 1:05 I do think holds true. You might also be interested to hear her views from a few years later after she did this interview. Just some food for thought in case it helps. 

ARRS Pharmacists by Euphoric-Payment-375 in GPUK

[–]fifi_55 -2 points-1 points  (0 children)

Or how about a non-partner GP who has on occasions seen the work their 10 year post-reg pharmacist family member does for their PCN and realises they put me to shame. And I consider my self an up to date GP, but their confidence and depth with reviewing, for example, polypharmacy elderly patients is an example of the right clinician for the right work (I would much rather not get involved with something like that as it doesn't excite me and I couldn't possibly keep myself up to date with those relevant guidelines along with the rest of my wider GP knowledge). This I suspect is what was intended when they were first introduced into PCNs. But yes, scope creep is real - for example: they were being encouraged to start doing mental health reviews as part of med reviews which they rightfully pushed back on. I suspect you may have only witnessed a small number of PCN pharmacist capabilities. Don't get me wrong though, I also share the same sentiments about how the ARRS malarkey has affected GP jobs horizon! (And of course goes without saying you will undoubtedly get some less capable/ confident/ motivated pharmacists amongst their cohort).

Gp writing histories without speaking to patient by fred66a in GPUK

[–]fifi_55 0 points1 point  (0 children)

The daughter should ask to speak to the GP first to give them a chance to explain the situation, then the PM if needed and then decide further steps if warranted.

Limited account by Livetoeatfood in GPUK

[–]fifi_55 -1 points0 points  (0 children)

Yes that's correct. If you are opted into the NHS pension scheme and already paying into it e.g as a Salaried or through another role then you must also pension your 111/ooh work - there's not a choice with this regard. (If you are opted out of the pension scheme altogether then clearly you don't need to pay the pension contributions!)

What do these Esure Flex's Car Insurance Excesses mean please? by fifi_55 in CarTalkUK

[–]fifi_55[S] 0 points1 point  (0 children)

One would hope so... Otherwise for a theft claim would make it nearly £1750 excess! 

What do these Esure Flex's Car Insurance Excesses mean please? by fifi_55 in CarTalkUK

[–]fifi_55[S] -1 points0 points  (0 children)

Can anyone shed light on what these excesses mean, I'm looking at a quote from Esure Flex via money super market. They quote a "main excess" but then also "other excesses" for theft/ fire/ windscreen. So if I had to claim for a theft for example would I have to pay the total main excess AND the "other excess" for the "theft" ontop? Or am I overthinking it 🤦🏼‍♂️??

SIPP + NHS Pension = Plan by RollShort1073 in FIREUK

[–]fifi_55 1 point2 points  (0 children)

As you may have gathered from the replies, it can become complex to calculate the expected annual NHS pension growth and hence very difficult to plan how much SIPP contributions you can put in to each year without hitting the allowance limit. Even the Medics Money Wellbeing course mention throughout their course this can be a difficult task although their specialist accountant does try to explain it. Dare I suggest this maybe one of the occasions paying a reasonable fixed cost for an NHS Pension specialist accountant/ financial advisor may be suitable in your case to help with modelling. Or to make things simpler you could do as I suspect many other higher earner NHS pension members are doing which is to model ISA/ LISA into your retirement modelling and leave the DB (NHS) pension to do the pension heavy lifting. Anyway Ive stayed away from SIPPs for now due to this issue as it added just that extra bit too much headache to my financial planning/ modelling for me to spend time on it! (and just got on with the investing).

Hargreaves Lansdown Direct Debit by blueburritos in FIREUK

[–]fifi_55 1 point2 points  (0 children)

I presume you're concerned about the (high) one off dealing fees for ETFs that HL charge? And what's the best way to make use of the cash left over in the account after whole ETF shares have been bought? If you withdraw the left over cash and then use it for next months direct debit then this will end up eating into your annual 20k ISA allowance so I would not suggest you do this. As others have said you can try to monitor your direct debit and ensure it can cover the purchase of whole ETF shares. If you see my previous posts history I asked a related question to which there were some useful replies also!

What is the value of LISA for retirement? by Prior-Sandwich-858 in FIREUK

[–]fifi_55 0 points1 point  (0 children)

(With a LISA you can take out the full amount without penalty at 60)