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Month: November 2022

Stock Market + Crypto: Buy, Sell or hold?

Posted on by careyourpresent

Many people shared the stories of FTX, timeline etc about this bankruptcy. This will be a big dominos effect for the Crypto Market, but so far this didn’t hurt the traditional stock markets. After LUNA-UST, incident, I learn that for Crypto, better to sell once there are any news. BE SAFE than Sorry! Anyway, for the recent FTX bankrupt, I have transferred to my on-chain wallet linked to Ledger immediately on the day when the FUDs came out. Thus, I am fully intact and didn’t lose anything. Of course I also lose few % of my portofolio to LUNA-UST case but I didn’t lose anything to FTX and Hodlnaut cases. Yesterday it was about Huobi, Gate.io, Crypto.com. I also took all my funds out.

Hence for Crypto, please remember two things:

(1) If you hear any FUDs in Crypto Twitter (CT), especially from those more reputable CT posters, it is better to be safe than sorry. Take precaution.

(2) Keep your coins in hardware wallets like Trezors and Ledgers. For those who don’t understand this, please read my previous post (link below) on Guide – Managing your Crypto Wallets.

Guide – Managing your Crypto Wallets

What is my plan for Crypto?

Currently, I am waiting for the dominos effects caused by FTX collapses to play out first for the next few weeks. I will start to enter if BTC hit around 13k or ETH reach 800. However, I might go in once below 1k. This is because recently BTC dominance is dropping and ETH become more resilient. See how the situation play out first. Meanwhile, do you believe in Metaphyiscs now? FTX collapse on the day of Eclipse. See my post below.

Bear coming? Black Swan after Solar Eclipse?

For those who are new to Crypto, do consider reading my pinned posts to learn more. I have collated the key articles that I have written so far and will continue to compile.

Update for stock markets

Recently the market went up a lot because of CPI 7.7%, wow 0.2% drop. Market believe Fed will pivot. Hence, many people must be thinking that my view (see post: Careful, BIG crash 4th quarter is coming true) so far that the markets will crash further are wrong.

Do you believe this is really bull when FED target is 2%? If you go research, most buyers are retailers, not institutions. Be patient and wait. Of course, you can FOMO and go buy, but please exit in time when you have profits, especially your warchest/cash level is low. Another way is of course, buy, hold, stay on course and hold for 20-30 years, likely you will be profitable if you bought good companies/Crypto.

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 🙂

Careful, BIG crash 4th quarter is coming true

Posted on by careyourpresent

If you refer to my older posts below, the prediction of big crash are coming true..especially with the death of FTX as the beginning and high interest + bad macros + eclipse (for those who believe) as the contribution factors. Let me bring back some screenshots and the posts…

Post 1

Price Prediction of BTC
Blogpost in 19 Jun 2022 – BTC 13k ETH 700 coming true soon.

Post 2

Bear coming? Black Swan after Solar Eclipse?

Blogpost in 24 Oct 2022

Post 3

Next will be reits and stocks. See these posts. Coming soon…

I love Reits! Better buy now before too late!!!
Bull is back??!?? BUY BUY BUY before it is too late!

DO YOU BELIEVE ME NOW?

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 🙂

Useful Sites for Cryptos

Posted on by careyourpresent

In Crypto, there are many scam sites coming up everyday. Clicking a wrong site and connect your wallet to the site can be detrimental and may even cause you to lose your precious coin in your wallet. A good practise is to bookmark and keep the sites in your bookmark instead of use search engine to find each time.

For those who are new to Crypto, you can refer to bookmark this page for the useful sites for Crypto.

Useful Crypto Sites

How to buy real physical gold in the Cryptocurrency world using PAXG?

Posted on by careyourpresent

Buy real physical Gold but store where?

Many people like gold and believe that this is the real asset with value rather than the artificial fiat currencies created by various government. Gold is a commodity that dates back thousands of years as a store of value and a means of exchange even until today. However, one very big problem with gold is storage. How do you store something worth so much at home? What if fire broke out? What if a bulger enters your house and steal it? Of course, you can put in fireproof safe boxes at your home, but is it still safe? Do you feel safe? Alternatively, people put in safe deposit box with reputable companies like CISCO. This is not cheap too, it cost few hundred dollars per year, hence whatever you put in the box better worth the amount.

https://www.certisgroup.com/Solutions/Safe-Deposit-Box/Box-Sizes-and-Charges

Where to buy?

The next question is where you can buy gold? In Singapore, most people will go to the bank UOB. This is because UOB is the only bank in Singapore that offers (1) the sale and purchase of physical gold bars, gold bullion coins (2) Gold Certificate and 3) a savings account dedicated to either gold or silver. You do not incur GST if you purchase gold through UOB as it qualifies as IPM (Investment Precious Metals). However, all these options either doesn’t come cheap if you ask the bank to hold the gold for you OR back the same problem of how to store the physical gold?

https://www.uob.com.sg/personal/invest/goldsilver/overview.page

Best of both world: The Marriage of Cryptocurrency and real physical gold

What is this? So good? The answer is to buy PAXG, digital asset backed by real physical gold.

What is PAXG?

Pax Gold (PAXG) is a digital asset on the Ethereum Ecosystem. Each token is backed by one fine troy ounce (t oz) of a 400 oz London Good Delivery gold bar, stored in Brink’s vaults. If you own PAXG, you own the underlying physical gold, held in custody by Paxos Trust Company.

If you refer the table (see below) in PAXG website, there are numerous benefits to this token. The most key advantage is PAXG is ERC-20 token, it can be easily transfer, moved around anywhere around the world within a very short time and 24/7. The next key advantage is the fee is low and it can redeem for the real gold via Paxo platform. Hence, storage and fee will no longer be an issue!

Where to buy PAXG?

How do I buy this? For those who understand and buy crypto before, you should be able to buy it easily. For those who are new to crypto, let me introduce a good site to you – Coingecko (you can refer to this post which I have shared about this site previous). If you go to site, you can see all the places where you can trade this coin. From the table, you can buy it from major CEX or directly at DeFi site at Uniswap.

Of course, one very key important thing is not your key not your coin. Regardless of where you buy it, please send it and keep in your cold wallet such as Ledger. If you want to find out more about wallets, please read my previous post (Guide – Managing your Crypto Wallets).

https://www.coingecko.com/en/coins/pax-gold#markets

What gold do I owned if I have PAXG?

For those who have already bought PAXG, you can check the details via the PAXG site. Every Pax Gold token is backed by an ounce of allocated gold. Use this tool to lookup the serial number and information about your gold. Scroll down to the middle of this page, you should be able to see this box to key in your Ethereum Address. However, do note that this is only for PAXG held on Paxos, not in custodial exchanges/wallets.

If this safe?

Paxos Gold is backed by real gold reserves held by Paxos, company in New York. Each PAXG token is linked to a 1:1 ratio to one troy ounce (t oz) of a 400-ounce London Good Delivery gold bar stored at Brinks Security vaults in London. The Paxos-backed cryptocurrency, PAXG, is backed by the London Bullion Market Association (LBMA) certified gold bars and may be redeemed for actual bullion.

Conclusion

For investor who believe in gold as a store of value or for investment, and regardless of if you are familiar with Crypto or even new to Crypto, do consider buying some gold using PAXG, especially given the turmoil macros conditions now with increasing likelihood of more wars.

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 🙂

Red Red Red, you still buying beloved Reits?

Posted on by careyourpresent

The Federal Reserve raised interest rates by three-quarters of a percentage point again on Wednesday – 75 basis points. He said that the inflation still high and they will re-evaluate again in the next meeting in early December 2022. You can read his full speech here and interpret yourself.

https://www.cnbc.com/2022/11/02/fed-hikes-by-another-three-quarters-of-a-point-taking-rates-to-the-highest-level-since-january-2008.html

After this meeting, the market falls. Charts speak thousands word, please look at it yourself.

Of course, our dear beloved Reits also fell “badly”. Are you panic buying now? FOMO? Selling? Or what? Or already bought in the rally few days ago and now stuck? Let’s recap on what I have wrote in my posts previously.

What is my current action now? Let me screenshot again on what I have wrote earlier (see below).

I will maintain what I have said earlier and continue with this plan. For those who are interested, can go read these few past posts. (Disclosure: I am holding more than 50% cash now, I could be wrong, hence please dyodd.)

I love Reits! Better buy now before too late!!!
Reits Lover – Red day. MUST BUY!!! But MUST Look at these before you buy!
Bull is back??!?? BUY BUY BUY before it is too late!

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 🙂