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When you work in drug research, if you haven't been squirrelling samples for a later date, if you know what I mean....... ??? Today I set up a 20% reduction in hours, that allows me to access 80% of my lump sum (cash free), 80% of my monthly pension, plus 80% of my salary. What were they...

I've been pondering things and....I think I earn far too much for far too little demand in terms of my time and the accretion of my psychic infrastructure to seriously think about packing it in, even though the pension is fully loaded (the lack of minuses) and... I'm trying to develop a drug...

Anyone would think that they are understaffed, and directed by HMG to pick off all the low hanging fruit. Who knew?

Had a chat with the missus this morning. If, in 6 months time, we are making no progress with the drug, I will trigger the retirement. If I could do my uni work from home all the time it would be a different story. But getting up at 5.45 to run a teaching lab in London in January is not...

Wise words. If my drug isn't making progress in 6 months I'll trigger retirement this time next year, I think. I was up late last night kicking a few arses. My collaborators are procrastinating. The advice I was given was well meaning (and not charged but the advisor I feel wasn't really...

I have sought advice....but it wasn't any help. My work pension is 'full' (I maxed my AVCs and bought into missing years as we PhDs don't 'start work' till around 30) and yet I am still making it bigger. My plan is to take my max lump sum and get sonny boy into bricks and mortar. This stays...

I had a chat recently with someone (IFA) recommended by a poster on NCS (sensible lad). The IFA said 'all looks jubbley, and don't crack open all your tax free allowance'. Since my main thing is to crack open my lump sum to get my lad on the property ladder, and it took me 24 seconds to work out...

Thanks for the PMs. Will act during the week :thumbsup:

I'm IN!

:O:cheers:

Can anyone recommend a decent IFA with insight on how best to deploy a lump sum? There are people who post on NSC whose opinions I'd respect. I'd need to be able to chat on Teams since travelling is not ideal and I live near the ******** of nowhere (Sheppy) albeit in the more delightful nether...