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| Income and Jobs Discuss jobs, career options and of course salaries |
Topic Review (Newest First)
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| Today 12:52 AM | ||
| Unregistered |
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You also know the answer. Stay on better for long term stability. But stay on is tough in the short term. Full time locum is better in the short term in all ways. But long term may regret. Question is how risk averse are you? How determined and flexible are you? Are you adventurous? Enterprising? Good at finding opportunities? Good at making things work? Or prefer safety and stability same old same old? You can answer the question yourself. |
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| Yesterday 11:29 PM | ||
| Unregistered |
Hi seniors Need some advice - about to finish HO. Should I become a full time locum or stay on and try for residency (probably fam med)? As far as I know around 10-15% of my batch are already planning to break their bond and join chains/aesthetics/full time locum/telemed. I’m worried the flood of locums (around 30++ from my batch alone) will have unintended downstream consequences for the job market and ultimately might be more prudent to stay on. A lot of students are also planning to break bond once they finish HO (from what I have heard). Thanks |
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| Yesterday 09:41 PM | ||
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| Yesterday 03:13 PM | ||
| Unregistered |
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say you buy 1 new launch (3br compact 2mil), your wife buy 1 ex-ec (3br 1.5mil) assuming bank interest rate stress test at 4.8% for 30 years loan, and bank wont loan more than TDSR 55% Your wife needs to earn: $10,731.79per mth you need to earn: $14,309.06 per mth i see no reason why locum cant earn $14,309.06? |
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| 23-04-2024 11:13 PM | ||
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| 23-04-2024 11:12 PM | ||
| Unregistered |
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so....is it even sustainable as a locum? |
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| 23-04-2024 09:13 AM | ||
| Unregistered |
No joke - doctors are holding a lot, a lot of cash Met a GP once in mid 40s - was going to buy his third private property in kid’s name Doctor and spouse were already holding one in each of their names |
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| 23-04-2024 08:40 AM | ||
| Unregistered |
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Leveraging 10x is normal. Hongkong median home price to median income is 18.8 I think 10x is very safe 10-12x safe 12-14x some risk mortgage stress 14-16x high risk of mortgage stress >16x respect for being brave |
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| 23-04-2024 07:05 AM | ||
| Unregistered |
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| 22-04-2024 06:31 PM | ||
| Unregistered |
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Hdb bto is 500k Good hdb resale is 1mil New launch condo is 2mil for 3 bedroom compact 3 mil can get u very decent ccr condo 4 mil gets u original condition ocr interterrace 6 mil gets u decent ocr semi d/ rcr interterrace 8 mil ocr detached / or rcr semi d/ ccr interterrace 10mil ccr semi d 12 mil ccr detached with smaller land size 18 mil gcb already As long as each side earn 600k, ie total 1.2mil Leverage 10x is 12mil , can buy ccr detached with land size of 4000 sqft easily. |
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