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  • AllIsNice 5:35 am on September 18, 2022 Permalink | Reply
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    Bestest: The journey continues #12 

    Sid was all ears while Tej was narrating his story. Tej’s academic transformation was nothing short inspirational, thanks to a stroke of luck that led the wise man’s book to end up with him. While Tej was narrating his story, Sid was also learning at the same time as he himself was looking forward to crack his competitive exams. He was missing the guidance that the wise man offered and he needed it more that ever in order to cross the next academic hurdle. In his eagerness, Sid asks Tej to continue and tell him what he learnt from the wise man about champions.

    Tej continues with his story …. Tej had learnt that the wise man was hinting that while most people were content with their achievements and they stopped short of becoming a champion. He didn’t want to stop now. So he continues to do what he had been doing so far, what he had learnt from the wise old man. When he found time later that week, Tej decides to read the book further. The wise old man was now sharing the qualities and practices of champions. He continues to read …

    ONCE UPON A TIME IN ANCIENT GREECE
    AN ARCHER LIKE NO OTHER CAME. WITH ALL QUALITIES TO MAKE IT IN THE OLYMPIC HALL OF FAME
    THE ARCHER WAS OFTEN HITTING HIS AIM
    AGAINST PLAYERS FROM FAR AND WIDE, STOOD AT TOP OF THE CHARTS HIS NAME
    BUT VICTORY AND SUCCESS GOT TO HIM, AND AFTER THAT, HE WAS NO LONGER THE SAME
    BEING GROUNDED, FAIR AND SANE
    IS WHAT SEPARATES CHAMPIONS FROM THE REST STANDING IN THE LANE
    FOR CHAMPIONS KNOW THAT SPORTMANSHIP, NOT DECEIT, RAISES THE STANDARD OF THE GAME

    Tej at once knew, what he should continue to do and what he should avoid at the cusp of success

     
  • AllIsNice 12:36 pm on September 11, 2022 Permalink | Reply  

    The million dollar investment question – To go for loan pre-payment or the investment with attractive returns 

    Most of us at some point of time wonder what to do with that surplus amount that we may have got in our savings. Whether to pre-pay the ongoing loan or to go for that investment with attractive interest rates is the question that plagues most of us. Let us attempt to find the answer to this million dollar question for the benefit of humanity!

    Let us take a hypothetical case of a $1mn loan at 7% interest rate for 20 yrs. For simplicity let us say the loan has just been taken, rate remaining flat and exclude any other variables. If we look at the loan amortisation schedule, the total amount that will be paid by the person taking the loan will be around $1.8607 mn. Now say the person who availed the loan ends up with a surplus of $100000 after he availed the loan. Let us say this is the surplus after setting aside the next few EMI amounts for repayment. The question in his/her mind would be should I invest this amount in the attractive scheme or stock that showed online or should it be used to pre-pay the loan.

    Let us look at both the situations. If one decides to pre-pay the loan, what will be the outcome. And if one decides to invest in that promising investment scheme that offers 10% return after 5 yrs investment period. In the first case, if one pre-pays $100000, as per the updated loan amortisation schedule, the total amount that will be repaid at the end of 20 yrs will be $1.6089 mn. Now let us look at what would have happened if one had invested instead of pre-payment. In this case, let us assume no other pre-payment was done in the 5 yr period and EMIs were paid regularly. So at the end of 5 yrs, the investment done would yield an 10% compounded amount of $161050. Now if at end of 5 yrs, if one pre-pays the loan using the proceeds of these investment, the updated amortisation schedule will show that the total amount repaid at the end of 20 yrs would be $1.6285 mn. So a clear saving of $1.6285 mn – $1.6089 mn=$1960 if one pre-paid the loan!

    Now considering you may have to pay taxes on the investment, there may be charges and if the investment is market linked, then conaidering the fluctuations, you may end up with say a less than expected 8% net return on your investment. In that case the compounded return that you would have got on the attractive investment after 5 yrs would be $146932. If one invests this proceeds in loan prepayment after 5 yrs, then the revised loan amortisation schedule would show a total of $1.6446 mn to be paid in 20 yrs. In such case pre-paying the loan instead of investing for 5 yrs at 8% would save you $1.6446 mn – $1.6089 mn = $3570 !

    Now if the pre-payments continue as and when the surplus becomes available over the term of the loan, then this saving would be even more! So the next time you have to make a early pre-payment or investment decision, you know what to do depending on how much returns you expect in reality post all deductions. And if you are the one who likes to know the figures before you decide, just open that loan amortisation worksheet or calculator and get cracking at it for more savings !

    *This is an advisory article and allisnice.com and the author take no responsibility for any outcomes basis the same. If you are in doubt or there are other considerations or variables in your case, please seek expert opinion before making your financial decisions.

     
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  • AllIsNice 5:52 pm on September 3, 2022 Permalink | Reply
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    Bestest, the journey continues #11 

    After finding success with the competitive exams, Tej applies to the top Institutes that he had once only dreamt of. But to his dismay, he couldn’t make the cut. He waits Institute after Institute hoping for a fair chance, only to be disappointed. In the end, he had to drop the idea of getting into a Institute of his choiice. With a heavy heart, he gathers all his preparatory material, and puts it away in his storage. He picks the last book, the one that got him so close to his dreams, looks at it with teary eyes and reaches out to put it into his store.

    Just as he was about to put it back, ‘Let me read it further’, he thinks to himself. After he had gotten so far, his heart said he should not stop now. His faith in the wise man’s words had shaken but not broken. So he opens and turns the page to the next chapter. He reads further –
    WHEN YOU CONTINUE RACING AGAINST COMPETITION, YOU GET BETTER
    WHEN YOU CONTINUE RACING AGAINST TIME, YOU GET FASTER
    MOST STOP BECAUSE THEY COULDN’T WIN THE RACE
    REST STOP BECAUSE THEY FEEL THEY WERE CLOSE ENOUGH
    WINNERS CONTINUE RACING BECAUSE CLOSE ENOUGH IS NOT GOOD ENOUGH
    CHAMPIONS PUSH ON FURTHER BECAUSE WINNING IS NOT ENOUGH, THEY NEED TO BEAT THEIR OWN WINNING TIME OR SCORE TO SET NEW RECORDS

    Tej thinks over it. He didn’t want to end up as one of those who stopped trying because he couldn’t win the race or because he was close. He had to continue. With a new found hope, Tej starts his preparation. This time with a resolve to race even harder against time and competition. With one eyed devotion, Tej prepares and attempts the next competitive exam. The duration till the exam that he felt to be far off had fled faster than he thought. This time when the results came he had bettered his scores further by a good margin. And to his surprise, his application was considered by couple of Institutes that he was aspiring for.

    Tej was glad about what he had achieved. But he remembered the wise old man’s words he had read when he had not made it the last time. He thinks to himself, getting close enough was not enough, winning was not enough, as the wise old man said, next was to be a champion.

     
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