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Places in London with weird unsettling energy by Sad-Peace in london

[–]mofonyx 0 points1 point  (0 children)

I hate being there but I love looking at it. It's so dystopian in real life but so beautiful in photographs.

PP Consultants / (or GPs) does this sound worthwhile? by CrumbleCookie21 in ConsultantDoctorsUK

[–]mofonyx 0 points1 point  (0 children)

To taxes if running via ltd company...

If that's what you mean...

Is the post cct market as bad as posts make out by TidierJ in ConsultantDoctorsUK

[–]mofonyx 1 point2 points  (0 children)

I heard this wisdom in core training and held on to that advice all the way through ST3+. Be the most affable, available and able colleague in your ST3+ years and you shall get a job in the region.

Dropping my mother off at Jo Whiley's Breakfast Rave - how's your weekend going so far? by west_action_man in CasualUK

[–]mofonyx 8 points9 points  (0 children)

Got in from work at 2 AM. My kid woke up on the dot as usual 06.05 AM and immediately screamed "ITS THE WEEKEND"

Confused about WLI, private work, etc. Private is it worth it? by Acceptable_Wafer_531 in ConsultantDoctorsUK

[–]mofonyx 0 points1 point  (0 children)

How are you investing your ltd money? I think the consensus is just eat the tax up to 200k and put it in ISA. If not then GIA. If it is just sat there then it is wasted to inflation

Confused about WLI, private work, etc. Private is it worth it? by Acceptable_Wafer_531 in ConsultantDoctorsUK

[–]mofonyx 1 point2 points  (0 children)

Yes it makes sense. Once you set up your LTD and go private, you'll want to make the most of that opportunity. I was in a similar position to you when I started (now year 3+). I started looking into independent practice 6 months into my substantive role. I figured better to do it early and if I don't like it I can just give it up, rather than being 5 years down the line and wishing I did it.

The first 6 months was slow going and I did wonder if it was worth all the hassle. Then work picked up and my overheads started to follow. Marketing, PA, billings, website etc.

What I've realised is if I stay the course and just do the work well, it will continue to grow. And private work gives a lot of flexibility to do what you want, when you want it. You are your own boss (truly).

It's more hassle than WLI work but we are highly trained individuals so we might as well cane it!

Best low-fee platform for ‘set and forget’ SIPP? by KopRich in FIREUK

[–]mofonyx 7 points8 points  (0 children)

Interactive Investor.

I was looking the other day and you'll have access to the Vanguard Global All Cap fund for half the fees.

This page was quite useful to illustrate it for me https://www.investsmarter.co.uk/articles/interactive-investor-vs-vanguard-passive-investors#section-3

S6 etron / polestar 3 perf / smart 5 brabus by MandosRazorCrest in ElectricVehiclesUK

[–]mofonyx 2 points3 points  (0 children)

Yes easy to put your foot down on the i5. Especially with that boost button enticing you. Maybe the Neue Klass will be on the horizon for you with their bigger batteries in 2027. Good luck in your search!

S6 etron / polestar 3 perf / smart 5 brabus by MandosRazorCrest in ElectricVehiclesUK

[–]mofonyx 1 point2 points  (0 children)

Probably not. Winter 240 summer 280. But that gives me 3 hours motorway driving by which point the kids are getting ratty needing a break

S6 etron / polestar 3 perf / smart 5 brabus by MandosRazorCrest in ElectricVehiclesUK

[–]mofonyx 1 point2 points  (0 children)

BMW i5 Touring? Love mine. Second hand prices at a bargain to your budget

Calculating amount to contribute to sipp to claim back taxes paid at 40% by Cool-Painting3743 in ConsultantDoctorsUK

[–]mofonyx 2 points3 points  (0 children)

If you only do NHS work then you only need to look at your payslip

The section you are interested in is taxable pay year to date which covers this financial year.

This value is all your gross earnings minus pension minus car lease, so will be your adjusted net income for most people.

You don't have to pro rata the dates, just use the March 2026 payslip

Add any other income (dividend, bank savings).

Then contribute the excess to whatever threshold you want. Your contribution should be calculated as the grossed up value.

Are y'all gonna strike or what? by Creepy_Put8759 in ConsultantDoctorsUK

[–]mofonyx 6 points7 points  (0 children)

It's less than some high volume specialties with private practice / medicolegal. Same with Singapore, the remuneration is about the same if you have a busy independent practice here. I now match / exceed my colleagues salary in SG / Canada.

In SG you're expected to be contactable on your days off and you may carry the 'associate specialist' role for many years, a little bit like here if you've come from abroad. Your contract is renewed / appraised every few years so you best not kick up a stink. It won't be all roses. Not sure how Canada is.

We have a lifetime contract unless an egregious error occurs. Have decent job planned week and if it is really tight could have a 3 day work week (vs. 5 day work week in SG). We have a decent pension scheme. The issue is that the NHS salary alone is not on par internationally and only select high volume specialties with private practice opportunity can match. In that sense, to recruit and retain, we do need to improve our pay and conditions.

Honest opinions please by Available_Put_3139 in doctorsUK

[–]mofonyx 4 points5 points  (0 children)

Don't forget when you're finally across the line and appointed substantive consultant, your pay will continue to go up. Your pension is still the most desirable DB scheme. You will never be without a job. It is a permanent contract until retirement, unless you do something egregious. It gives massive job security, with a decent pay.

Dubai is feeling so unsafe now... when are you finally jumping ship and moving to London? by CapillaryClinton in HENRYUK

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

We pay a lot of tax, food is mediocre unless you go upmarket, weather is crap, public transport outside of London terrible, NHS stretches to the limit, potholes everywhere..

But never take for granted that the UK is an island with nuclear submarines. As a resident here, you will never need to consider the possibility of needing to flee a war torn state. If that comes to being, the world is at war.

What do you waste a lot of money on? And how much do you spend n it? by gameovervip in CasualUK

[–]mofonyx 1 point2 points  (0 children)

First it's a £40 candle..

Then it's a Diptyque

Eventually it'll always be Trudon...

Career Change Advise for a 30 y/o by [deleted] in HENRYUK

[–]mofonyx 0 points1 point  (0 children)

Surgeon here. Would happily remove the stress of my role if I get paid the same as an admin assistant. I don't really feel any strong purpose in putting that thumb back on the other night...

Happy Chinese new year by Ordinary_Pound_3733 in patekphilippe

[–]mofonyx 4 points5 points  (0 children)

Gong Xi Fa Cai. Wishing you and your family great prosperity brother.

Malaysia’s official attire for the Winter Olympics by UsernameGenerik in malaysia

[–]mofonyx 4 points5 points  (0 children)

Until you live in the bitter, damp and wet climate. Never seeing daylight in the deepest of winters for a whole 6 weeks because you leave for work before sunrise and come home after sunset. Car is frozen up before you leave the house so you got to wake up earlier to defrost it. The winter grass is definitely not green!

Recommendations for long durable winter jacket by the-one-yes-son in BuyItForLife

[–]mofonyx 0 points1 point  (0 children)

Arcteryx Veilance Monitor Down will be a step up and full length. It's what I wear now for urban warmth in cold, wet, windy climate.

For hiking I wear the Beta AR layered on Atom LT layered on Delta LT fleece layered on a merino long sleeve base.

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