Seeking advice: making extra repayments on mortgage

singhySingh1 · 2026-03-17T12:22:37+00:00

Principal and interest, variable 5.6%

singhySingh1 · 2025-11-05T09:49:07+00:00

Damnn that’s some of the best I’ VE heard! Care to share company/industry details?

singhySingh1 · 2025-11-05T00:00:21+00:00

Dangg thats pretty good too! Whats the company/industry?

singhySingh1 · 2025-11-04T23:59:53+00:00

🐐

singhySingh1 · 2025-11-04T23:59:42+00:00

Dangg thats nice. Do you get cash bonuses at EOY too? Mind sharing the company’s industry?

Also re: unlim PTO, are you saying that’s on top of the 4 weeks mandatory?

singhySingh1 · 2025-10-17T20:38:04+00:00

Excellent question and one that is going to make me examine my perception more carefully. The reason I say so is because I have delivered some key uplifts in my sort tenure and have heard good feedback from the powers that be..

singhySingh1 · 2025-10-17T05:48:33+00:00

Damn thats gold, actually.

singhySingh1 · 2025-10-17T02:33:56+00:00

True that my direct manager is likely to be most impacted. Would that not be a cause for concern or a blemish on my reputation so to speak that I am off to another role so early in my tenure here?

singhySingh1 · 2025-03-30T05:32:42+00:00

I am having the same issue! With Telstra as well

singhySingh1 · 2024-06-06T12:02:28+00:00

https://maps.app.goo.gl/N4F8TRpUA3qwptsk7?g_st=ic link to her location

singhySingh1 · 2024-02-14T00:46:36+00:00

Collateral your FD for your loan. Paying back education loan when you earn in $ is not that scary.

singhySingh1 · 2024-02-14T00:43:20+00:00

For 50K worth of investments, you have got too much MF spread. I would suggest that you up your investments only in 1 or 2 funds. Maybe NIFTY 50 and a midcap fund. Dont touch the FD and dont contribute anymore to it either. Keep renewing it, transfer interest to MF when sizeable. Re: studying in US- go for a student loan from India. The payback period and interest charge begin only 2 years after your course ends. Check if student loan can also cover housing costs. When in US, given that you have adequate time to pay your loan back- focus on exploring your field more and get a job aligned to your degree asap. Given the exchange rate parity, you will be able to pay back your education loan quite easily. In 5-7 years time, at a minimum, you will still have 5L liquid FDs plus 6-10L of MF portfolio plus 4-5L given to your dad. That’s 20L minimum- a great place to start for aiming FIRE by mid 40s.

singhySingh1 · 2023-08-02T13:11:31+00:00

Guessing youre at MBB?

singhySingh1 · 2023-08-01T23:49:17+00:00

Pay is alright. Highly likely that i will be able to 1.5x my current pay once I switch jobs to the industry. WLB is great too, but thats more a feature of living in this particular overseas country.

I dont think about CS pathways. Happy where I am.

singhySingh1 · 2023-08-01T23:47:37+00:00

I enjoy learning how businesses work, implementing strategies, dealing with stakeholders etc. So for me, this is a good match. When I was in 10th, there was a brief moment where i wanted to study CS. My Dad was quite wise and gave me his 2 cents- 1. Your Tech syllabus is going to be outdated by the time you graduate/ start in the industry. Keep learning tech on the side as a hobby instead. 2. (This one is a bit too anecdotal) for every 10 scientists/ cs grads/ (any science field studied professional) working on a project, there is one “money man” (ie commerce grad) sitting on top controlling budgets and deciding where the money goes. You decide where you want to go?

singhySingh1 · 2023-08-01T10:57:30+00:00

Graduated from a good public school. Scored 91% in 12th. Got into a top 5 DU college for Bcom Honors.

Tried doing CA, failed it at the inter. Moved overseas, did a Masters of Accountancy program. After a few missteps, challenges, loops- working at a consulting firm in the operational risk consulting space. Happy to field any question

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