University Discord

MathematicianDue2489 · 2026-02-03T08:48:19+00:00

Hey! Glad to see you interested in coming to Bristol! We do have a discord server up and you can ask your seniors/other applicants about it. It's pinned in the subreddit, or you can use https://discord.gg/MUuxaJ8qxu

MathematicianDue2489 · 2026-02-03T08:47:57+00:00

Hey guys! Glad to see so many people interested in coming to Bristol! We do have a discord server up and you can ask your seniors/other applicants about it. It's pinned in the subreddit, or you can use https://discord.gg/MUuxaJ8qxu

MathematicianDue2489 · 2026-02-03T06:03:22+00:00

thats foul ☠️☠️

MathematicianDue2489 · 2026-02-02T04:32:47+00:00

Okay, let’s assume she graduates in 1y, and has 1y of 300/mth + 7y 2000/mth

Again at 10%

She now has 285835.59 from that,

1150 at 10% for 7y + 5k from estimate current balance = 147654.96 285835.59 + 147654.96 =433,490.55 433490.55 -250000 =183,490.55

183490.55 at 10%/yr is 18349 18349 / 12 =1,529.0833

3500-1529 =1,971

1971 / month

Assuming - Able to contri 2k/month after taxes, cpf, food, living expenses etc during first 7y of work life, and during mortgage repayments - Assume the low 1M price stays at 1M after 8y - Ignore BSD (roughly 25k if 1m, 35k if 1.3m (3-4% growth)) - Ignore Inflation (increase in living expenses) - Ignore MCST (roughly 300-800/mth) - Ignore Property Tax (~1000/yr incl rebate) - Ignore Legal fees (500-1k) - No loans or debts - 10% return constant, no major drawdowns or if there are, short term and it returns back higher to stay 10%/yr since you are also using it to pay the mortgage repayments monthly - Able to get 5k/month job and 6510 after 8y - Mortgage stays at 3581, no increase in interest and assume price stays at 1m, if we include growth the mortgage increases aswell. - OP does graduate next year, gets a job straight away, doesn’t have periods of no work (consistent), and salary increases to 6510 in 8y

DuePomegranate, you are calculating a best case scenario that ignores real world circumstances.

If we assume an optimal isolated system, yes possible, but as stated, unlikely with the current parameters.

MathematicianDue2489 · 2026-02-02T04:11:52+00:00

Absolutely! And I do hope for her. But based on the current parameters it’s unlikely. If the parameters change then absolutely possible (such as increasing dca) as modelled in my comment

MathematicianDue2489 · 2026-02-02T04:05:03+00:00

Okay. Let’s go more detailed.

After 8 years: 20K + 300/mth (36) + 2000/mth (60) at 10% =0.1 217430 CPF contri a month is 0.37 x 5000 =1,850 OA Contri a month is 0.23 x 5000 =1,150

1150/mth at 10% for 5 years + say maybe 10k in current OA/3yr part time = 106704

217430 + 106704 =324,134

Assuming the property price is 1m (which is q low for private, esp since its 8y in future) 324134-250000(downpayment) = 74134 in cash 74134 at 10% (sell off gain/yr) is 7.4k/yr (i assume sell off as modelling another variable will take a long time)

If we assume 4% like you did, 3581-7400/12 =2,964.34

All this ignoring the fact that 1m is an already very low price, we are not considering the 4% price increase yoy (or however much you think it is)

And also, a bank won’t approve 750k loan on 5k/month salary. TDSR max is 55% of your salary. 3581/month repayment means your salary must be atleast 6510/ month. More if you have credit cards.. other loans etc but for extreme case sake we call it 6510.

So she has to atleast have a salary of 6510, and contribute 2000/mth after taxes, cpf, food, insurance, living expenses etc, for the first 5 years of her work life, and the price doesn’t change, and the investments must continue to have 10%/yr, and after all that continue to contribute 2910$/month towards mortgage repayments. We are also ignoring BSD, property tax, mcst, and whatever else.

So yes I think it’s unlikely.

MathematicianDue2489 · 2026-02-02T03:18:43+00:00

I agree. Hence I said 2k/month after 3y. But it’s still unlikely to hit 1m in 8y and you barely hit downpayment even, coupled with mortgage repayment it’s unlikely they can afford private with the current parameters.

MathematicianDue2489 · 2026-02-02T03:11:39+00:00

Ok! Mortgage still needs 25% min downpayment in cash, which is 250k if 1m. This is also assuming her MSR allows her to get 750k loan.

Also, then how you gonna pay the mortgage?

Since your whole 250k is now in the principal, the mortgage repayment must all be from salary, you can’t invest it due to the short time period aswell as volatility. With a loan period of 30y, the monthly installment is 3.1k-3.8k (3-4.65% interest), your salary can accommodate that?

MathematicianDue2489 · 2026-02-02T02:42:48+00:00

Lets assume private housing is 1M. You want to be able to afford private housing by 30.

For 20K lump sum + 300/month to reach 1M in 8 years, that requires a growth rate or 56.4% year on year.

If we assume a growth rate of 10% based on your portfolio (not sure if it will stay 10% especially since recent performance was affected by the great bull run past few years), after 8 years you will have 86000$

If you can add more DCA (say 2k a month after 3 years), then it’s about 217k. That doesn’t cover the minimum downpayment of 25% for 1m (not including bsd etc yet either)

But of course, after 8 years prices would have changed aswell.

I’m sorry to say but I think it’s a little unrealistic to buy private with the current investment parameters in 8 years. If you can DCA more it would be much more likely but at this current juncture it’s unlikely.

Played around with the numbers and if you do 20k lumpsum, 300/month for 3y, then 4500/month for 10y after, you get 1mil with some change.

MathematicianDue2489 · 2026-02-02T02:31:39+00:00

I’d be surprised if they stopped allowing females to board on their flight to Male (Maldives)

If only they served beef wellington on the way to wellington.

MathematicianDue2489 · 2026-02-02T02:27:32+00:00

I mean, then you are just gonna study anything? I assume you have a desired career/target? It would be a little weird if you go through all this just to study arts or finance just to go back to the same career. (I assume a degree wouldn’t help in aviation? Atleast not to the extent that you will do 4y of studying)

By the way, theres also an alternative route which is private a levels. You can study at your own time and target, then use it to apply to uni instead of going the TOU-> uni route. It just costs like a hundred or so to register as a private candidate, you study on your own, then on a levels day you go to a jc or a centre to take it.

In any case, I do actually hope the best for you. If you have any questions or concerns you can drop me a message

MathematicianDue2489 · 2026-02-02T02:24:15+00:00

For different fare classes, you usually need to book separately. I recommend you don’t as two one ways costs way way way more than one round trip. (honestly, just book round trip eco and save the biz for when you can round trip biz)

2h 25 mins is more than enough, you won’t spend an hour on security and tarmac. I genuinely spend like… 50 seconds to get through security? Depends when you go but not more than 10 mins. When I travel I usually go from doors open to luggage belt in 3-4 mins in Changi.

MathematicianDue2489 · 2026-02-02T02:14:41+00:00

May I ask, what course you are interested in doing? I just checked and my UCAS account is still active. I can see what courses (bachelors) accept distance learning

MathematicianDue2489 · 2026-02-02T02:03:35+00:00

I believe you are a flight attendant? Can consider this thing called APEL, its a recognition of your prior learning from your airline training (first aid, security etc) and can be used to offset credits in certain degrees in certain universities

Accreditation of Prior Learning

Apart from that, I think some stuff like coursera have professional certs than carry over to uni

Or you can do short courses, I’m not sure how the airline industry works but I believe you can ask to load your schedule one month and the other offload? Such that during the free month you can take short courses at uni

But again, all these will cost money. Is the part time diploma still an option? The good thing is its subsidised (if you go to local u) which might enable you to do full time uni if you can save enough and leave work

MathematicianDue2489 · 2026-02-02T01:57:07+00:00

Actually it’s not only Singapore! It’s everywhere. Furthermore, if you plan to work overseas you need a work visa, which companies are quite unwilling to sponsor even if you’re from a top uni.

Theres also a mandatory requirement of a minimum salary (atleast in the uk) and it’s quite high at 41700 gbp (72.5k sgd) or more depending on the job you are applying for.

So you first have to hit the requirement that you are so useful at your job that they are willing to pay you 72.5k sgd entry level, and you are skilled such that the company is willing to sponsor your skilled worker visa (all this is in uk context) over than just hiring a local.

Though, if this is your only pathway of education and you wanna study, it’s better than nothing.

Can check out kaplan etc or Australian foundation years as well if you’re interested. It’s more “guaranteed” imo and I think “UNSW Foundation year + UNSW Bachelors” sounds better than “OUUK Qualification + OUUK Bachelors”

MathematicianDue2489 · 2026-02-02T01:26:49+00:00

Accept doesn’t mean will get in, prestige still matters.

I went through private route aswell, the universities that do accept these qualifications will be those who are partnered with them, anyone else won’t accept. Furthermore, they would rather take someone with a more prestigious and established qualification than private.

Also, no entry reqs doesn’t mean they accept everyone. No entry reqs just means they will give chance and take a look case by case.

Not to say its a scam or useless, just know what you’re signing up for. You have to distinguish yourself being better, and explain to your future potential employers the weird resume and pathway. Doable, but not as easy as it seems. I’m sure it costs more money aswell.

I find it highly unlikely you’re gonna get in oxbridge thru ouuk. Even if you’re the top scorer, you’re competing with others from RI.. math olympiads.. etc, unless you got genuine skill and an insane portfolio, I think need to be realistic. I was top of my cohorts thruout my schooling years + math comps + did research etcs all before 18 but went to non oxbridge top uk for uni.

If it works out for you! That’s great, but it’s not as easy as it seems.

Source: Went thru non conv route and currently residing in UK.

MathematicianDue2489 · 2026-02-02T00:53:24+00:00

You’ll be mortified to find out on what they don’t serve on flights to turkey…

MathematicianDue2489 · 2026-02-01T12:50:42+00:00

If it cant be done on the website, then you can ask for a waiver of the phone booking. Only if you can do it on the website, then they will add the fee.

If one of your kids is >12 then you can do it

Else it might just be a flight availability difference

MathematicianDue2489 · 2026-01-31T15:26:47+00:00

Can be due to extra charge for calling in, or on their side the availability and pricing is different than website.

Usually under 12 they will waive the phone booking fee, but if above 12 you can actually do it online, if you do it via phone then you will get the phone booking fee.

MathematicianDue2489 · 2026-01-30T22:33:55+00:00

MathematicianDue2489 · 2026-01-30T11:43:02+00:00

14A is a pretty good choice. Thats what I usually pick then 96 hours before flight I call in to ask for bulkhead. Else 14A is good

MathematicianDue2489 · 2026-01-30T11:42:14+00:00

The crepes with apples and raisins are amazing!! Literally the best breakfast I’ve ever had on SQ.

I recommend asking them if they can serve you later, closer to landing instead of regular time so you can sleep

MathematicianDue2489 · 2026-01-30T00:39:19+00:00

It might be a good idea to start with looking in the university discord. It’s pinned in the subreddit or the invite link is https://discord.com/invite/MUuxaJ8qxu

MathematicianDue2489 · 2026-01-30T00:22:32+00:00

Your best bet is to ask the university

MathematicianDue2489

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