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Investment and ISAs

I have been asked to talk about pensions, which i plan to do, but plan was to leave it till the end, as it is very big and complicated with lots of calculation. So here i will talk about Investment. Investment is defined in Merriam Webster dictionary as the outlay of money usually for income or profit. Sorting our the finances and having some sort of passive income is never a bad idea but to know how much you are going to get serious about it, then you need to set out your financial plans and goals?  Once you do then it is time to invest and here is what i will try to clarify, how to invest? What can you invest in? And hopefully avoid or pay less taxes (as far as an outsider like me could know) First, all the recommendations and advice from financial advisors is to set up an emergency fund. Which is cash money that you put in an easy accessible bank account, that money should cover your expenses for 3-6 months at least, in case of job loss or any big unaccepted expenses. I know that w
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Credit score

After starting in the NHS and sorting out all the basic stuff as per each one priorities, you will get to the point where you have to have a pause and look at your finances and what do you want to achieve next, whether it is FIRE (financial independence, retire early), buying a house, investing, sorting out pension finances or just saving money and amounting interest. I have been reading on this and this is my collective experience so far. This is going to be my first entry about Finances, saving and investing in the UK Credit score For me personally achieving financial goals starts with hopefully buying a house. So it all then starts with credit score and building it. I am going to mention the steps I have found that improve the score.  It is the way lenders assess how likely you are to pay back the debt if they lend you money by taking a look at your past behaviour with other debts. To find your credit score or report, or you need is to sign up to any of the big credit reporting comp
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Clinical acumen!

Clinical acumen is a skill applied to form a judgment and take a correct decision accordingly. This is the definition of "clinical acumen" by Cambridge English dictionary. Now with experience a lot of us will realise that clinical acumen and good clinical decisions are not the basis of good clinical practice albeit makes a significant part of it. I personally believe it is communication skills. I might rant about a story that I was just told today where clinical acumen although exemplary, still didn't end well.  In this post I want to give the resources and, the tips and tricks that personally helped me a lot when I first started in the NHS. I also could have potentially used them better. Anyway I will split them to interpersonal skills and resources Resources : I believe clinical acumen is built on collecting the data, then assimilating this date and bringing it together then coming to a conclusion that you are going to act upon. So it split in data collection, interpret
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Interviews and getting a job "The elusive scary Scarecrow"

I was lucky enough to be involved in the interviewing panel in my trust. It was such an interesting experience to see things done from the other side and on what basis selection or points are being awarded. I am mainly going to be talking about medicine but it might be applicable to other specialties, also I have to say this is for non-training jobs which generally are less competitive and more flexible. The tricky bit is to have your application shortlisted. There are obviously some requirements that are out of your hand as an applicant as having GMC registration, it is going to be more difficult in the meantime to get the job and the reason is understandable, the trusts want to appoint doctors for rota gaps and it doesn't make sense to take a gamble in the COVID time and then risk having issues later. A way around it is to email the HR person mentioned in the application and express your interest in the job and the city, be honest and tell them why your registration has not be
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NHS jargon

I was trying to compile a list (and hopefully their meaning) of medical jargons that are used day to day in the NHS. Some of those words might not be really weird to people in the system but for me they were all new. TTO and Discharge summary TTO means To-Take-Out and it refers to medications that are dispensed from the hospital with the patient when s/he is discharged home. Obviously, this is accompanied by the discharge summary MFFD Medically fit for discharge. This means the patient doesn't require any acute medical input or don't need to stay as an inpatient from the medical point of view. That still doesn't mean the patient can go home, he/she might need physiotherapy or rehab or care to be put in place or restarted ...etc but no medical management OT/PT occupational therapy/physiotherapy. When that is requested for a patient, the OT/PT team, will come and assess the patient's needs and put that in place or at least start the process for that to be put
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Being a Med-reg AKA "The dream killer"

I think a sensible start is to say why did i become a med reg. My background is haematology, always loved it and don't see myself doing anything other than that, luckily haemtology doctors in training or non training jobs don't do med-reg on-calls, that was kind of the silver lining that kept me going. The problem is, as i was trying to run away from my first shitty post as SHO (i have a huge blog entry about, that i am still contemplating whether to publish or not, given how negative it is), the only offer i got straight away as i had no intention to wait or look around was medical registrar in acute medicine. I was a bit scared to take that up in the UK given my perceived notion of the massive amount of responsibility attached to that post. I say perceived as a med-reg in my previous trust does a lot more and has way more responsibilities and duties, than where i am now. Also looking at haematology applications, having a background in Emergency medicine or acute Medicine w
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PLAB 1 .... The Awakening

A very dear friend of mine once said, if anybody failed the PLAB 1 exam, while he has access to the 1700 questions source, he or she then should stop all further plans to go to the UK or anywhere else cause that just shows he doesn't have the IQ to do it. Now before you rush to judging me or my friend, that only means one thing, that the exam itself is copied and pasted from that source. EVEN the choices in the MCQ exam is copied and pasted. This isn't in any way or form attacking those who fail, we all have got our shares of failing and in stupid exams (i should or shouldn't, in this case, be the one to talk, LOL). I started preparing for the PLAB exam about a month before the exam. It was a series of rash decisions, taking the IELTS and paying for PLAB1. On the other hand, what made me take such decisions easier, is that I have already passed MRCP1 and MRCP2 written, the year before, so I thought I would be able to hold my ground in the internal medicine part of the PL
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