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Month: September 2022

Careyourpresent : The Art of Doing Nothing and Financial Independent Retire Early (FIRE)

Posted on by careyourpresent

The Fact of Doing Nothing is difficult to most people

Very often, in this society, especially every busy work life, we as part of the city, are used to doing things every single moment of our life. When you take a bus/train, lunch or even talking to friends, many would be looking at their mobile phones instead of just enjoying the moment. Are you one of them? Can you take a moment to rest and throw your mobile aside? Most likely many people would feel very uncomfortable if they do so. What does this imply?

Fact – we are too used to busy schedule and can’t do nothing without feeling uncomfortable!

Irony or not, the most difficult part of your daily life is doing nothing, absolutely nothing. Have your tried to stop whatever you are doing now, just do nothing and stare into thin air. How do you feel? Please go try and feel it. How do you feel? Do you feel weird?

Don’t FIRE! Doing nothing is not productive

Recently there are many discussion on Financial Independent, Retire Early (FIRE). Many people have different opinions about this movement. Some supported it, many people share that doing nothing, retiring earlier is not productive. You should spend all your all time to do something productive, reading a book, study, work until you can’t (60s, 70s), make your life fulfilling. This is especially important for those who want to Financial Independent, Retire Early (FIRE).

One question is always raise when one said that they want to FIRE – “You will get bored easily after FIRE. Maybe initially it will be fun/happy without your busy work, toxic colleagues/bosses, work stresses etc, but after 6-7 months of doing nothing will get you bored! Hence continue to work even if you FI.”

For those who have already FIRE, could you share how do you pass your time? Is the above really true? You really have nothing to do? Or do you live a even more fulfilling life?

Recall

When you were baby, child, kid, do you always have things to do? Do you remember to enjoy the sand, enjoy wind, just staring at the sky? Isn’t doing nothing most relaxing, most comfortable, most fulfilling? Why must we keep doing something every single second? Life is short, treasure it. Careyourpresent, enjoy the moment.

Remember:

In fact, when you are doing nothing, it might be the most productive as your mind is relax, clear and you can think of great ideas.

Try and go do nothing

Relax. Find time to do nothing. During your trip to/from work, don’t stare at home and just do nothing. During your meal time, look at your friends/family, just eat and do nothing else.

You will find out your life is now better. Learn to slow down your life and Careyourpresent.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

6 Simple Steps to start your investment journey, especially in Cryptocurrency

Posted on by careyourpresent

When I first started this site, my intention is to go a bit advance to share Cryptocurrency as I believe in the future of Cryptocurrency and still believe so. However, after receiving questions from readers/friends etc, I realized that I should also include more basic investment stuff in my site. Hence, the most fundamental question to anyone who want to start investing is

Many people heard about investment, but they don’t know how to start. Many people heard about Cryptocurrency, but they don’t know how to start.

How to start?

Many people would outsource and go to the “Financial Advisers” for advice. In most case, most of these people are salesman. They sell you their investment link policy, endowment etc and draw charts to “projected” how much you would get in xx years should you buy their products etc. However, if you ask them further on what the investment strategy of this fund are, what shares/bonds they invest in, which sectors, which companies, do these funds hedge, are there rebalancing, I bet most of these “Financial Advisers” couldn’t answer. Hence, don’t go to them to ask about investment especially for Cryptocurrency. So how to start? Please see the steps below.

Always remember:

Step 1: Understand yourself

This is the first step regardless of what kind of investment that you wish to go in (forex, growth stocks, value stocks, ETF, dividend stocks, crypto etc). Many people tend to just go and buy without plan and thinking in advance first. Very likely this will result in losing your precious earned money sooner or later. Before you start doing any investment, the first thing is to understand yourself.

  • Know your risk profile. Are you someone who can sleep well with higher riskier instrument? Can you sleep well if your portfolio drops 50%? Are you someone who prefer regular income from your investment?
  • What is your objective of investment? Grow your money, finding 10x bagger? Just collect income?
  • Know your end target/objective. How much do you target to achieve? This will determine the risk profile and the method to use.

Step 2: Plan your high-level portfolio management

This is call money management, knowing how to manage your own portfolio/money. First please know your own monthly/annual expenses, saving, income and how much you have available for investment from income monthly as well as lump sum currently. Amount available for investment means you won’t need it for at least 3-5 years or even better 10-20 years given that big markets cycle is typically 10 years. Please keep money for emergency funds too. After knowing your monthly cash flow and the amount you have available for investment, please plan your plan.

For example, if you have a million available and after understanding your own risk profile, you can work out a table like something below.

Step 3: Open relevant accounts

Before your can start investing, you will need to open brokerage accounts. You can consider to use my referrals below. Personally I am using all these accounts.

Referrals

For Singapore shares, I would suggest you to open CDP first link to the local brokerages (example DBS Vickers, Iocbc, POEMS, Uob Kay Hian etc). Do try to keep your shares in CDP if possible so as to has less custodian risks. Typical transaction cost is about $30+ for $10k SGD worth of investment. If you want cheaper, you can consider Fundsupermart (FSM which charges about $10-14 for $10k SGD worth of investment. The shares bought will be custodian under FSM. I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSM to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

For foreign shares, I would suggest to open Interactive Brokers. The commission is very cheap and only cost cents to trade overseas shares and options.. Directly from the site itself, Interactive Brokers conducts its broker/dealer business on over 150 market destinations worldwide. In its broker dealer agency business, IBKR provides direct access (“on line”) trade execution and clearing services to institutional and professional traders for a wide variety of electronically traded products including stocks, options, futures, currencies, bonds, gold, crypto* and funds worldwide. Interactive Brokers Group and its affiliates execute over 1,968,000 trades per day.

For Cryptocurrency, you can use FTX as your centralized exchange to on/off ramp. However, please take note to put in hardware wallets (please see step 4 for guides). Another alternative which I am currently also using is Crypto.com. This is another platform that I am using the trade, on ramp, off ramp SGD to Crypto. One good point about this platform is you can do FAST transfer to and from your Singapore Banks. Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Step 4: Do research

Regardless of what investment that you plan or will be doing, please don’t blindly listen to other people/gurus/crypto twitter shilling etc. Please spend time to read, research and learn and only invest in what you are comfortable in. Hours need to be spent and there is no shortcut. Even after you have invested, you should continue to read to learn about the coins, stocks etc that you are invested in. One key indication that you have done your due diligence is that you can sleep well without keep price monitoring every now and then after you have clicked the buy button.

For Cyptocurrency, you can refer the articles which I have wrote previously to learn more.

Step 5: Wait for the best opportunity to strike

Gut and patience to buy

Always have a plan (see sample below for a Singapore Stock Investor). After which think of what to do should the opportunity really arrive so that you will not panic when it come. You will need both Gut and Patience after planning. Don’t always think to buy at the absolute bottom, good price can just buy. We are plan for good price but can’t always buy at the absolute bottom.

Sell

Most often, the most difficult button to click is sell. What if you click sell and price goes up further? Remorse? No, you shouldn’t. You have already earned. What if it is the opposite case? You can’t predict exactly predict the market. For those who invest for years, buy and sell is always easier than buy and hold. Additionally it take real patience to wait for the best time to strike.

Doing nothing is the most difficult part of investment. There is always an urge to do some buy/sell/trading.

Personally I am holding some cash and waiting now. You can refer to my updates here. However, please do your own due diligence, don’t just blindly follow me. I could be wrong. Remember that your money your investment is your own responsibilities. I am just sharing that I am doing now.

See quotes from the famous investors below:

Step 6: Track your progress for MANY years and review regularly

After you buy/sell/invest for a few days/few months, always track your own progress. You can use the calculators/charts given by the brokerages to monitor you return or simply use XIRR function in excel to do so. Continue to track and track for many years, take note of your mistakes, take note of your own risk profile, take note of what kind/which investment make you can’t sleep well and of course those that make you sleep well. Then review and improve. Always aim to win your past self.

Additionally, please remember to read widely and learn more everyday from anyone around the globe. This will let you see your blind spots and make you a better investor.

Lastly..don’t forget

Life is not just about money. Money is just a means to your life.

No one CaRe about Your PresenT more than yourself. Please take regular breaks and care for your own life.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

BOLD Macro prediction using Metaphysics and Real Economic Data (2)

Posted on by careyourpresent

Another key point to add is FED already printed so much money in 2001, 2008, 2020 and is now with 30 Trillions debt. Inflation is still rising but they can’t print their way out anymore..hence they have to increase interest rate, but it will be “soft landing” according to FED. Let’s wait for 20-21 Sep 2022 FOMC, very likely at least 75 basis point from the current rate

It really happen! See my previous post? Fed increase the rate again.

BOLD Macro prediction using Metaphysics and Real Economic Data
https://www.cnbc.com/2022/09/21/fed-rate-hike-september-2022-.html

CHANCES OF SOFT LANDING RECEDING!

Powell previously shared that FED increasing interest rate and we will get “Soft Landing”. From the horse mouth directly, see what is he saying now?

https://www.foxbusiness.com/economy/feds-powell-abandons-promise-soft-landing-inflation-fight

No more soft landing! Harder landing? recession? instability?

Interest rate

If we simply look from the interest rate point of view as of today, what do you get? 2 years rate hit 4% and much higher than 10 years rate – inverted yield curve. This likely signal a recession is coming.

THOSE with lots of debt, mortgage and leverage please be careful. People who laughed at others from stubbornly keep sticking to the high hdb loan of 2.6% instead of the low bank rate of 0.xx% few year ago or even last year, hopefully should not be laughing anymore. Please careful and plan carefully now.

METAPHYISCS point of view

Remember what DAC said in my previous post?

Sep 2022 onwards: Financial markets very unstable, esp. NE region, & domino effects will spread to other countries.

My personal take

Remember that post that I have made at the day after the worst down in 2022?

A day worth remembering for US indexes but this is just the beginning…

I know I am naggy. Let me repeat.

This is just the beginning.

Regardless of macro or metaphysics, things don’t look good. Of course you can buy the dip to trade (I also just bought ETH 1250 and BTC 18500 this morning with small amount to trade) but please keep some cash to standby in order to gain generational wealth later. Quite likely it should be coming soon, November onward (after few mths after Oct 25 eclipse, remember what happened in the last eclipse?)…also with the high inflation that cause FED to no choice but to increase interest rate…you just need a black swan to crash the market!

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…

Posted on by careyourpresent

Some thing once you missed it, it will never come back. For example, I received the watsapp message today at 3.49pm while I am working in office.

The first message is my from my kid at 15.49 who ask “Baba, where are you now?“

I replied at 15.58 “I am in office working. Why? Do you want to find me? You miss me?“

He answered at 15.59 “Yes…I have found special way to play/make Plant vs Zombie using the toy solders instead of using playdoh…hehe…just throw like that like that then can le…“

Then 20 minutes later at 16.21, after I have a little spare time at work, I casually replied midst my busy work ” Can explain a bit more, I don’t understand..“

After that, no further reply from him….

Do you think your child can wait until you off work to share with you their school things after you end work or they will share with you while it is still fresh in their mind immediately after school at afternoon?

Do you think your child will msg/call you when they are 18 years to tell you that they missed you or wanted to share something interesting with you?

Do you think your child will still let you hold his/her hand to walk to school or return home from school?

Do you think your spouse will share his/her interesting day stories to you at the end of the tiring work day or to colleagues at work immediately when the thing happen?

Do you think you have the chance to bring your parents out to somewhere when you are very rich but they are too old to walk?

By then maybe you are few hundred Ks or few millions richer, but the time cannot come back…gone is gone…

Did anyone having similar things while you are at work? What does this story tell you? Share your views please.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

BOLD Macro prediction using Metaphysics and Real Economic Data

Posted on by careyourpresent

Metaphysics is something with long history. Many people think that this is not Science and is just old folks tales. For those providing consultation to people are just cheating people money. It’s both truth and false depending on how you see it.

Few days ago I just watched the YouTube below. For those who believe, you can watch from 1 hr 11 min marks onwards.

In this sharing from 1 h 11 min onwards, he started by sharing the current macro situation such as the recent sharing by Ray Dalio that a further increase in interest rate to 4.5% interest will crash the market by another 20%, World Bank also predict many economy will suffer recession next year etc…After which he gave his metaphysics prediction which is quite similar other famous practitioner such as Joey Yap Wilson Heng etc. In short, bad in the coming months. Anyway this is what he said in the video:

In short, Sep 2022 onwards: Financial markets very unstable, esp. NE region, & domino effects will spread to other countries.

• 7 Nov 2022 – 6 Dec 2022: Wars & disputes (eg. US-China trade war) may achieve another peak.
• Dec 2022: esp. bad situation in East countries. Also in some countries, real estate sector becomes worse, if it is already bad.
• 7 Dec 2022 – 3 Feb 2023: World “temporarily stops” (not lockdowns). Might be economic aspect, or may include some other crises, eg. energy shortage, or other crises etc.

Metaphysics aside, if the risk free rate is 4%, how much yield should investor demand for our favourite reits, yield stocks etc?

For me I need at least 7% of fundamentally strong reits/companies to compensate the risker equity. Of course, I will also buy Crypto when price is good. However, I will slowly DCA with some money first but keep some bullets to whack when the finale come. The DCA can either keep or sell later so least have something in case somehow didnt catch enough later. After all, in all martial arts show, the hero always give the most powerful final blow at the last instance where all hope are loss. Your view?

Another key point to add is FED already printed so much money in 2001, 2008, 2020 and is now with 30 Trillions debt. Inflation is still rising but they can’t print their way out anymore..hence they have to increase interest rate, but it will be “soft landing” according to FED. Let’s wait for 20-21 Sep 2022 FOMC, very likely at least 75 basis point from the current rate.

Image Credit : CNBC

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂

Careyourpresent: Be prepare…

Posted on by careyourpresent

Recently I have read this article from 15HWW, he is talking about replacing electronic items in advance but I am thinking about something else…

However, if there are critical electronics that needs replacing, like a fridge, air con unit or even laptops, it’s probably good to do it asap before the shortages really begin. Companies and shops have inventory and the supply chain disruption might not have hit them (yet).

This is something that has been in my mind for the past few months…FOOD for survival.

I am also worry about supply chain disruption/inflation especially with two kids and elder parents. My main worry is FOOD. I can make do without electronics but food is a bit difficult.

I can eat lesser per meal and make do with whatever I can but it is difficult for kids and parents. Food is the most basic for survival. Of course, I am assuming no disruption to water supply in SG, hence I didn’t store mineral water. Or should I?

For me, you can say that I am kiasi, kiasu or whatever, but there is no harm in preparing for it. What I have done so far is to store food. See below…

  • Canned food – beans, campbell soup, fruits, mushrooms, vegetarian mock meat (yes, I am vegetarian) etc
  • Dried food – mushrooms, fungus, red dates etc
  • Stables – rice, flours with yeasts (I have a bread machine for making breads), noodles etc
  • Snacks – biscuits, milo, tea, nuts etc
  • Freezers – I always fill food to the brim for the freezers
  • Buy and consume fresh food first, keep all the above as storage.

Have you prepared for it or also see me as one of the fear mongers? Please share your views in the comments or simply just ignore this email if you think this is too ridiculous.

Good articles that you should read!

People are drawn to dividend investing.

Why? Firstly, dividends provide a regular stream of income, allowing investors to receive a portion of the company’s profits on a periodic basis. This can be particularly attractive for individuals seeking consistent cash flow or looking to supplement their existing income. Additionally, dividend investing is often viewed as a more stable and predictable investment strategy compared to relying solely on capital appreciation.

I always write and share articles, especially on dividends which many people love them. Do read them!

Alternatively, you can go the right side of my page, there is a search bar where you can simply search “dividend” to see all my articles related to dividends!

Of course, you can search for other things that would interest you such as “Careyourpresent”, “Reits”, “Side Hustles”, “Fixed Incomes”, “Savings” etc.

CAREYOURPRESENT

Money just buy you the chance of freedom.

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed while busying striking out in career. Of course, if you love your career, and consciously know that you are missing out the first time your child walk or talk, that’s ok, but if you are the other spectrum, please do something about it.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

I have picked out some of the more life reflecting articles of the CAREYOURPRESENT series. Do read them:

You can read more about my articles on Careyourpresent via the Category “Careyourpresent” or simply click “Careyourpresent” via the main menu bar.

REMEMBER:

Love your life daily.

You have one less day with your spouse, parents, children and yourself.

Time is ticking away.

For each passing day,

Enjoy and Treasure your Life!

For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!

For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!

You may also contact me via [email protected].

If you’re looking referral codes, do check out my referral and ebook page. Give it a try and who knows? You might end up loving these platforms! To be absolutely fair to all the readers, I am definitely using all these companies and they are useful to me! Likely will be useful to you too!

At the same referral and ebook page, you can also download my free ebooks and other free resources.

For quick references to these resources, you can see below.

  • Ebooks and other useful resources on enhancing productivity (Investment, Excel, Notion etc). Currently most of it are free at this moment (subject to change).
  • WeBull: A powerful brokerage with nice free welcome gift. You can refer to my guide here on how to signup! 4 Simple step only! Click here to register a new account!
  • MoneyOwl: You can use this 6SHU-93MC to get free grab vouchers and highly safe liquid cash fund account.
  • Trust Bank – You will enjoy free FairPrice E-Voucher referral if you sign up via my referral code KNDBPEPT. Simply download the Trust Bank SG App on the App Store or Google Play Store. Tap on “Use referral code” immediately after you start the app and key in: KNDBPEPT
  • FSMOne: P0413007. Good account to keep liquid cash in autosweep and to purchase investment at low fee.
  • Hostinger: You can use this link for hosting your new website. 20% off hosting!
  • Crypto.com: Use my referral link https://crypto.com/app/h92xdfarkq to sign up for Crypto.com and we both get $25 USD 🙂