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Month: October 2022

Careyourpresent : Greatest Regrets in life

Posted on by careyourpresent

Let me start this post with quotation by someone famous… 🙂

What is/are your greatest regrets in life? We won’t know until we are at our last moment. Assuming 80 years of life, do you realized most of your time are spent on what for most people nowadays? Don’t live with regrets, or die with regrets…

We can learn from others. Life is short. Let me list down based on what I have found online and can think of.

(1) People did not live a life true to themselves, instead did what other people expected of them. Should have live for own dreams/wish.

(2) Spent too much time working too hard and neglect what things really matters.

(3) Regret not having let themselves be happier. Should enjoy life more and worry less.

(4) Should have been more loving to the people who matter the most.

(5) Wish they had been a better spouse, parent, or child.

(6) Should have chosen more meaningful work instead of just a work that pay bills.

(7) Should have taken more risks to achieve what you wish to achieve.

Do you have more regrets that you think you might have? It’s important to know and take measures to prevent these regrets to really happen during your last moment. Share with me what you think in comments.

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 🙂

Market News

Posted on by careyourpresent

This is a short post. Just to share the latest update today.

Binance Smart Chain hit the brakes Thursday after the blockchain with ties to the world’s largest crypto exchange Binance suffered what it called a “potential exploit” that on-chain evidence suggested could have targeted hundreds of millions of dollars in crypto. Estimated over millions digital assets are exploited…

Refer to the latest update from the team directly

Markets – reits also coming down as interest rates going up. Energy crisis for Europe Winter are coming soon. Eclipse on 25 Oct also coming…

Take care everyone!

Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life

Posted on by careyourpresent

This is a totally unexpected unplanned post.

I woke up this morning by the thunderstorm. It’s the usual weekday morning where I have to wake up at 6.30am to prepare my son for school. The big raining sound with cool weather as usual make people want to sleep longer. However, I have a responsibility – to wake my son up for school. Hence, I struggled on the cozy bed 5 minute later and wake up at 6.42am instead of 6.37am.

As usual, I brushed my own teeth before brushing my son teeth. I always wondered how long will he keep allowing me to brush his teeth? Many people hope their kids can be independent soon and don’t depend them so much on small things like brush teeth, but when that day come, can you bear with it? Will you miss it? Believe it or not, that day will come sooner than you expected. Can you remember the day where your kid say they don’t need your help to walk because they want to do on their own? Soon, they don’t need you to send them to school, make meals for them, they only want their friends, gf, bf, spouse etc…If you don’t Careyourpresent now, you will regret it one day.

One day they will not want to hold your hand, treasure that little hands, little things while you can because it can just come suddenly one day…

After brushing teeth, I bring him to kitchen for breakfast as usual. Before I even serve breakfast, the first thing he said surprised me and lite up my day…

I am shocked, touched and happy and… I don’t know how to describe. He remembered the small little things that people always take for granted. This is something – like experiences, memories that will always be there and never be forgotten… Like that the book “Die with Zero” that I have read recently, and the book coined it “Memory Dividends”. Much more beautiful than your usual stock dividends.

Do you prefer gold or memory? Do read this post Why is gold useful?

Besides the line above, he told me that he like to play in the rain, and he is happy that we have allowed him to play while other parents don’t. He appreciated the freedom and trust that we have given him. Haha, in fact he raised eyebrows. He asked why most other parents allowed their kids to bathe but not play in rain? Isn’t it the same – water? He has just learned about water cycle in school. I have also told him that its funny, every time (4th time this year) that it rains big while I walked him to school, but the rain turns small immediately after he enter school gate while I walked home.

After breakfast, I walked him to school. The drain was flooded. Rain was big but it was fun. He put his hands in rainwater and play. and we appreciated the little 5 minutes’ walk from home to school. We took photos and videos of drains flooding big rains etc which I will shared later at later part of this post.

Finally let me end this post with the photos/videos that I have took and some questions for everyone to ponder…

@Careyourpresent
Flooded Drain
Flooded Drain
Flooded Drain
Raining day 🙂

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 🙂

Does investment account size matter?

Posted on by careyourpresent

Does account size matter? Many people always tell you that in order to measure your returns or even compare your returns with other people, use percentage instead of the absolute amount as it is fairer and easier to compare. However is this really the truth?

Very often, we would say we earn a return of capital of example 6% after this trade of xxx days.

This 6% seems simple but it is not exactly simple.

6% of 10k = 600
6% of 100k = 6000
6% of 1 mil = 60000
6% of 10 mil = 600000 = 600k
……and so on.

DO you get the story?

Two different investors may say that they have 6% gain, but their absolute gain is different.

Investor A may have 100k in capital and earn 6000 in that trade. However, investor B may have 10 mil in capital and earn 600k gain for 6%. 600k – 6000 = 594000 which is much more than the capital of investor A. In extreme case, even if investor A manage to pick multibaggers and earn 100% in trade, it is only 100k as compared to 600k.

In addition, don’t forget that you can diversify or plan the allocation of money easier if you have huge capital. Assuming that you only plan to have no more 10% of your entire portfolio in any stock and each purchase is example 10k.

With huge capital (10 mil), you can keep buying at ALL supports. If this support breaks, you can buy at next support and the amount of money you allocated to this stock still never exceed the planned 10% of your portfolio. Once the market starts to recover, you can slowly sell in batches at different resistance and huat. However, if you have limited capital (100k), you can only buy at one support. If this support break, you cannot add more as it may exceed 10% of your portfolio and need to wait very long to repent and earn profit.

That’s why you see some bloggers can keep buying and keep selling at many levels of supports and resistance while some cannot. Once the price is good, they can keep buy buy. And when they price become super good like crisis level, they can WHACK! BUT can normal retail investor do this?

THEY CANT!

If you don’t have bullets. It’s sad to see DBS at $10 while you have no bullets to whack. It’s sad to see mlog at $0.6 while you have no bullets to whack. Crisis is there, chance to earn big wealth is there but you have no money. Sad….

Thus what is the moral of the story?

Account size does matter!!! Especially in the current market.

Work hard and increase your account size when young! Delay gratification? Don’t get marry? eat bread drink water? But there is a limit to do so, please remember to Careyourpresent in the mean time.

A gentle note:

Bear just starting (see this post). The worse has yet to come. Please learn to space out and learn how to do nothing (this post of doing nothing also apply to pace out your buys in bear market.) Of course, the best is you have unlimited bullets and can buy at every support level (provided if the lines TA, still work in bear 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 🙂