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Year: 2022

Best places to put Liquid Cash now

Posted on December 14, 2022September 27, 2023 by careyourpresent

Liquid Cash

We all like to make our liquid cash work harder for us. Treasury Bill recently was 4.4% (getting hot) but no guarantee that you will get the amount you want, money will also be locked up for 6 or 12 months.

Of course, there is OCBC 360 giving 4% and UOB ONE giving 5% but you need to do quite a few things before you can get the rates.

For those who want real liquid money (and hassle free) I would recommend 3 options. I will never share things that I never use, so as disclaimer I have all 3 of the options below.

Option 1: MoneyOwl

It is investing in Fullerton SGD Cash Fund – Class A (SGD) which invested mainly in SGD Fixed Deposit and backed by Temasek. MoneyOwl itself is under NTUC income. It is as safe as you can get!

Insure, invest, or do a financial planning with MoneyOwl and get welcome Grab credits when you join using my referral link/code. I’m already a happy MoneyOwl client, you should check it out too!

You can use my referral link (or key in 6SHU-93MC) to get free $20-$60 Grab Vouchers when you invest with them.

Moreover, there is a promotion until 31 Dec 2022 now where you can get $20 worth of WiseSaver units by 31 January 2023 if you open WiseSaver Account.

Option 2: FSM

https://secure.fundsupermart.com/fsmone/cash/autosweep-account

The Autosweep rate is 2.556% now, you can take the money out within 1 day if you submit before 3pm to your verified account. Very safe if you see what it is invested in below.

https://secure.fundsupermart.com/fsmone/cash/autosweep-account

Personaly 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.

Option 3: Singapore Saving Bonds

https://www.mas.gov.sg/bonds-and-bills/auctions-and-issuance-calendar/issuance-singapore-savings-bond?issue_code=GX23010Z&issue_date=2023-01-03

Latest rates above, backed by Singapore Government and you can take out within a month. Best of all you will be locked for 3% rate for next 10 years regardless how the interest rate change from now onwards.

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!

  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

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:

  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

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!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

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 🙂

The Three MOST Important Traits of an Investor

Posted on December 14, 2022September 27, 2023 by careyourpresent

Important Traits of an Investor

There are many traits that make a person successful in the financial world. Some people are natural born investors, but others have to work hard to gain the knowledge and skills necessary to be successful.

These three traits that I am going to share below should never be compromised in order to survive and prosper in the Investment Realm.

Current Market

Before I go ahead to share the 3 traits, let me talk a bit about the current market condition. Everyone should know that the market is has not been stable for the past 1 year or so. Most people are suffering investment losses.

Personally, I think this is a bear rally. Of course, bear market rally can go much longer than one think. However, I think the market conditions will worsen, and this could be real soon. Disclaimer: This is the first time in my investing history that I am holding such a unprecedent high amount of cash as war chest to take advantage of any pending crash.

Hence, I thought it will be great to share what I think will be the 3 most important Traits of an Investor in order to be successful in investment. Hope this will remind and get everyone prepared.

1. Patience

Patience is a very important trait because it helps you maintain your composure when things don’t go as planned. You need patience so that you can wait for the right time to make your move and not rush into anything just because you want to get rich quick. Patience also helps you wait for opportunities to arise so that you can take advantage of them when they do come along.

Many investors are impatient – they feel the urge to do something every time when the market opens. He or she must always click the buy/sell button else won’t feel comfortable. Are you one of them?

However, some time doing nothing is the best option. Quoting current market conditions as example, for those who keep buy the dip since early part of the early in Stock Market/Cryptocurrency, ask yourself if you are in profit now?

2. Courage

Courage is the 2nd trait that I want to share. If you can be a patience investor, the next thing that you need is courage when the real time come.

One needs to be brave to click the sell button when everyone is Euphoric (see those who FOMO and enter Crypto last year when BTC was 60k? Many were shouting 1 million for BTC. What is BTC price now? Those who bought US growth stock with 100x multiple earnings ratios saying that everything will keep growing).

One needs to be brave to click the buy button when everyone is panic selling. Did you buy during the 15k HSI Capitulation?

This is really not easy. Are you one of those that panic sell HK stock the day when HSI hit 15k instead of buy? You can refer to the post that I have posted earlier on HSI Capitulation on 24 Oct 2022.

3. Discipline

Discipline is another one of those very important traits when it comes to investing because without it there would be no way for anyone to stick with any kind of plan or strategy that they have set up for themselves. Without discipline there would be no way for anyone to stick with any kind of plan or strategy that they have set up for themselves because once you panic buy (FOMO)/panic sell, then you aren’t going to have anything left over for your investments when the time comes, which means that your investments will suffer greatly as a result.

Always remember to stay Discipline, stay on the course based on the plan that you have devised earlier when your mind is cool, without affected by any market conditions. It can be DCA index investing, buy on dip for dividend investing, set target price to buy hot crypto and then quickly sell off before the narrative dies off etc.

Do you have these 3 Important Traits?

These 3 traits are what makes a person successful in the stock market, but it is not easy to find these traits in one person. There are many investors who do not really have these 3 traits, but there are some investors who do have these traits and they are always successful in the stock market. The reason why they are successful is because they possess these 3 traits, and this makes them great investors.

Do you have them? If no, learn and practice and practice and keep practice. No amount of books/coaching can let you have these traits until you truly experience real market conditions with your own money.

Lastly, please remember.

A good investor is the one that won’t panic sell at very bad extreme market condition/capitulation.

A pro investor is the one that can go against own intrinsic desire to sell at very bad extreme market condition/capitulation and press the buy button instead.

Save this picture and keep these 3 Traits in your mind

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!

  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

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:

  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

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!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

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 updates: Be careful with the weeks ahead

Posted on December 11, 2022September 27, 2023 by careyourpresent

Market Updates

Remember my previous post on Market is showing sign of weaknesses or strength NOW dated 4 Dec 2022? Let me give another update today.

Treasury Yields

Everyone knows that the yields are dropping. For example, 10yrs US yields have dropped till 3.586%. Wow it’s so much lower than what we have seen as compared to the recent months. Hence, many people think that the market is recovering, Fed will pivot soon etc.

However, if you look at past one year, example compared to March 2022 (less than 9 months ago), what did you see from the chart below? Does the yield really consider low? Please do your own interpretation.

https://www.cnbc.com/quotes/US10Y

VIX

Let’s look at CBOE Volatility Index (VIX). Can you remember what happened to the market when VIX reach the lower end of 20 and below?

https://www.cnbc.com/quotes/.VIX

In case for those not sure that is VIX, based on Investopedia, this is the definition.

https://www.investopedia.com/terms/v/vix.asp

Fear & Greed Index

Next, we look at Fear & Greed Index. What do you see? We are at neutral but nearer to Greed. What does this tell you?

https://edition.cnn.com/markets/fear-and-greed

Metaphysics/Astrology

I understand that this is a bit controversial to investors where people are using Metaphysics/Astrology to predict market condition. From what I have learnt from my friend (do follow him in twitter) who are very into these fields also shared that most of the Masters in this field said that Market will be bad from mid-December onwards.

Conclusion” Be careful with the weeks ahead

From all the above points, markets should not be so smooth sailing soon. Hence, do plan your strategies in order to win in the market!

For those who are in my telegram group/channel (do join us in my groups if you want more real time update) should have already seen what we have posted last Tuesday.

We will see if this will be accurate.

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!

  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

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:

  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

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!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

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 🙂

Ditch your mobile phone to build real life

Posted on December 10, 2022September 27, 2023 by careyourpresent

Look at the photo below. DOES this look familiar to you?

Courtesy from https://creator.nightcafe.studio/

Obsessed with phones

The photo above shows that we’re so obsessed with our phones that we can’t even go to the bathroom without them / can’t even have a proper meal with your loves one. We’re not just talking about checking your phone every five minutes or playing Candy Crush on the toilet — we’re talking about actually interact and taking to one another over a simple meal only.

This isn’t just a trend in Singapore it’s happening all over the world, and it’s not just affecting adults. Kids are spending more time with their phones than ever before, and they’re developing social skills that are less than ideal. We’ve seen a lot of articles about this problem already, but here’s our take on the negative effects of hoarding to your phones and how you can ditch your phone in order to build real relationships in real life.

Less Human

If you’re like most people, you probably spend a lot of time on your phone. And if you don’t, you might be wondering why the hell not. The truth is that smartphones are amazing. They’re powerful computers that fit in our pockets and can do almost anything we want them to do. They make us more productive and allow us to stay in touch with friends and family from anywhere around the world. But there’s a dark side to all this convenience: It’s making us less human.

Avoiding Awkward silence

When we stop talking in person and start texting instead, then it becomes easier to avoid difficult conversations or uncomfortable silences. We can scroll through Instagram rather than talk face-to-face with someone who might make us feel vulnerable or shy. And when we get caught up in our phones while hanging out with friends or family members, even if they’re right next to us, it’s easy for our attention to drift away from them toward some other place — like a fantasy world made up of pixels on a screen — where everything is always interesting and exciting because it doesn’t have any real consequences for us personally.

You are your phone. Your phone is you.

Sometimes we become so attached to our phone that it can feel like a part of us. We check it constantly, even when we know it’s not necessary. It’s a habit that has become so ingrained in our lives that we don’t even realize how much time we’re spending on it. Our phones have become more than just a way to communicate with others. They are our cameras, our calendars and even our wallets. We rely on them for so much that sometimes it feels like there’s no way to get away from them.

Your friends or families in your phone not in front of you

Every time when I am outside with friends or families, my vision is everywhere except where it should be — on the street in front of me, the sky above me, the scenery around me etc. My eyes are constantly scanning for emails and text messages and missed calls. I want to know where my friends are at all times. And since they want to know that about me too, we’re all losing contact with one another in real-world space.

Unhealthy Addiction

We all know that a lot of people are addicted to their phones. And it’s not just the younger generation, it’s grown adults too. I’m one of them. I can’t go more than 10 minutes without checking my phone for new messages or notifications. It’s bad and I know it. But I’ve been trying to break this habit, and it’s been surprisingly difficult. It’s like trying to quit smoking or lose weight: You know it’s bad for you and that you should do something about it, but somehow you keep sabotaging yourself and going back to your old ways. The first step is admitting that there’s a problem, so let me be clear: I am addicted to my phone. And if you’re reading this column on your phone right now? You probably are too.

What if..

But what if you could ditch your mobile phone for one day? What if you could leave your home without having to take your phone with you? Would you be able to function without it? What would happen to your relationships, your interactions with other people, and your sense of yourself?

It would be a little scary right? You’d have to fight off boredom. Your phone is so much a part of your identity, you might feel like without it, you don’t even exist. It’s possible that without it, you’d be more productive or even more social with your friends and family. But whether or not you’re able to survive a day without your smartphone, there are still benefits to be gained from thinking about how easy it is to become reliant on our phones.

A day without phone

Okay, so that’s a tall order. And it’s not like I’ve done it recently—my phone is usually glued to my hand. But I’ve done it before, and it was pretty awesome.

I recently decided to take my own advice and leave my mobile phone at home while I went out without mobile phones with family. Here’s what happened:

On my way to way to Supermarket one day for grocery shopping, I left my phone at home. I just went out with my wallet and myself. I didn’t bring any watch too.

I felt so loss, some part of me is missing

I had no way to keep track of the time, so when my bus pulled up at my stop, I just got on and let it take me to my destination without knowing the time. When I got off, I wandered around trying to retrace my steps—and that’s when I noticed the first thing: I don’t have any idea of any sense of time.

I also felt so loss. I have no idea what happening in the world right now. Is there anyone email me? Is there any interesting social media news now? What happen to my tweets in Twitters? I want to take a photo, but I have no camera. I felt so loss, some part of me is missing. I am nervous too.

Something suddenly happens

However, something happened suddenly. I have suddenly discovered that the sky is so beautiful (of course the photo below was taken another day when I am still stuck with my phone after this ditch phone exercise). I observed the cars around me, people around me, shops around me. And of course, many people are still looking at their phone even when walking.

I have also saw a family with child but with all of them engage in their own world with their mobile phone. It looks so sad. We have lost our human touch.

Lessons learnt

After that day, I have learnt that life is beautiful with or without phone. Consciously or subconsciously, we are always into our phones.

When I am supposed to be out physically and mentally with my kids to play or even just to accompany them at home without doing anything, I keep on looking at my phone until my kid tell me “Can you put aside your phone?” Our time with them is limited. While they still want to play with me, I must ditch my phone.

I must also learn to be present physically to friends, families, even just admire the scenery around me whenever I can. Enjoy real physical life instead of the virtual world.

Go watch

For those who still remembered this movie or didn’t watch this movie before, do go watch this movie. Hopefully one day we won’t end up like the humans in this movie where they are glued to devices from the day, they are borne.

Go experience a day or even just few moments without phone

Imagine a day or even just a few moments without phone without your mobile phone. That little device that you check every few minutes, and from which you can’t separate yourself for more than a few minutes at a time.

What would you do with the time?

You could try taking a walk, since you don’t have the map function on your phone, so you’d have to remember how to get somewhere all by yourself. You’re less likely to find your way back home – but maybe it’s an interesting adventure! You could try writing a letter to someone. It would be pretty hard to take pictures, though! So no selfies.

So awesome, in fact, that I’m willing to take an hour out of my time to convince you that you should do the same. I’m talking about the Day of the Phone Detox—which isn’t an official event, but one that many people have been doing around the world for years now.

Of course, it’s not like we’re saying everyone should ditch their phones right now. It’s just an experiment, after all. But if we all tried it at once and had the same experience…, could we learn something?

The idea:

One day, just once a year, you go all-out and leave your phone at home. You aren’t allowed to take any calls, nor can you send or receive any texts or emails or otherwise communicate electronically with anyone while out of your house. If someone wants to contact you—whether it’s a friend, a family member, a colleague at work—they have to call or text you on another number (or come by in person). It’s an alternate reality where your life is unplugged from the Internet and directly connected with other people. Then you can observe what happen to you.

Let’s work together and remind one another

I know this is difficult, but it is a good step to take. I am still learning and trying hard to move away from my phones during important physical interaction with others and with the real world outside.

Let’s work hard together and remind one another, ok? Get back the human touch and let the world be a better place. Ditch your phone whenever you can and live a real 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!

  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

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:

  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

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!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

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 🙂

Powerful alternatives of Crypto Wallets

Posted on December 8, 2022September 27, 2023 by careyourpresent

No Privacy in Decentralized Crypto

One of the long-term benefits/attractions of Crypto currency is that it is decentralized, there is no need KYC this and that. You just need to create seed phrases to generate a public address using decentralised Crypto Wallets. However, after the FTX collapses, there was a change in private policy for Metamask – the most used wallets by users in the Crypto world.

Source

Infura (owned by Consensys) now can collect your IP address and ETH address whenever you make a transaction. Omg! What happen to decentralization? Privacy? Is crypto heading towards the road of our usual banks with so many KYC? This leads to people seeking alternatived to Metamask.

There are four things that can do.

  • Use VPN
  • Change RPC
  • Use another wallet
  • Do nothing and just accept it

For this article, I will share the most common other alternative wallets that are used by people.

(1) XDEFI Wallet

This is one of the better wallets that I like it very much. The number of users is about 150k which is much lower than the wallets that I am going to share later.

https://www.xdefi.io/

However, one key advantage of XDEFI Wallet is that it is a multichain wallet that allows you to securely store, swap, and send Crypto and NFTs across 15 blockchains. One just need to setup ledger and connect to this which allow you to access multichain! One wallet solves all! You can see the screenshots below on the chains that they are currently supporting. There are also more chains coming up!

https://www.xdefi.io/

(2) Trust Wallet

Trust Wallet is one of the leading crypto wallets in web3. They were acquired by Binance in 2018 (the biggest most powerful centralized exchange).

https://trustwallet.com/

One can buy, store, collect NFTs, exchange & earn crypto. There are 25 million+ people using it and provide great security and credibility.

(3) Coinbase Wallet

Coinbase Global Inc is one of the majority crypto exchange that is listed. They have the non-custodian wallet Coinbase Wallet. From the horse mouth itself, Coinbase Wallet supports hundreds of thousands of coins and a whole world of decentralized apps. It’s your crypto – use it how and where you’d like.

https://www.coinbase.com/wallet

Conclusion

Thanks for reading. Of course, there are more wallets available in the market. Regardless of which wallets that you are using, please use a hardware device such as Ledger. As famous saying goes, not your key not your coins.

For those who are new to wallets, all these wallets are just interface (software) to access your public key. You just need to connect your ledger to these wallets and select the keys that you want to access in each wallet. Hence, you can use any wallets as long as you have your ledger. For those who want to learn more can read by earlier post on Guide – Managing your Crypto Wallets.

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!

  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

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:

  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

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!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

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 🙂

Should I purchase the upcoming Treasury Bill?

Posted on December 6, 2022September 27, 2023 by careyourpresent

Question

Should I be purchasing the upcoming Treasury Bill? This is a question that quite a number of people asking me.

How does MAS Treasury Bill works?

This means what when you apply for 12k for a 6-month T-Bills (for example) and successfully auction and get 10k at 4% yield. On the refund day, you will get back 2000 + 10000*182/365*0.04 = 2000 + 199.45= 2199.45 (assuming 6 month is 182 days). At the end of 6 months (182 days), you will get back your $10k.

For those who are unaware how this work, Treasury Bill is issued by the Singapore Government on a regular basis. From the main website itself, they are short-term Singapore Government Securities (SGS) issued at a discount to their face value. Investors receive the full face value at maturity. The Government issues 6-month and 1-year T-bills.

Upcoming MAS Treasury Bill

The upcoming treasury bill is open now with auction date on 8 Dec 2022. If I look at the past statistics, I will estimate the yield to be 3.5% to max 4.0% (quite likely my guess will be 3.6%).

Source:

Should I purchase the upcoming Treasury Bill?

To answer this question, my answer will be no if you have more than 10k to invest.

This because there are a lot more better options available.

Other better options

For 10k, I can simply put into CIMB FD which give 3.95% for 10k for 6 months. I can also put into more liquid accounts such as UOB ONE that can easily go to 5% with $500 spend and salary credit OR OCBC 360 which can go easily to 4.05% with just salary credit and save bonus. All these options provide higher yield with better liquidity.

https://www.cimb.com.sg/en/personal/banking-with-us/accounts/fixed-deposit/cimb-sgd-fixed-deposit-account.html

Other options which include SSB that allowed you to lock 3% plus rate for 10 years. Or simply use Money Market Funds like Moneyowl Wisesaver, which give 3.68% using Fullerton Professionally Managed Cash Solution by Fullerton Fund Management (Temasek-Owned). Low return high return!

You can use my referral link to get free $20-$60 Grab Vouchers when you invest with them. Moreover, there is a promotion until 31 Dec 2022 now where you can get $20 worth of WiseSaver units by 31 January 2023.

https://www.moneyowl.com.sg/wisesaver
https://www.moneyowl.com.sg/promotions/wisesaver-2022-promotion/

Why waste time and take the extract effort to ballot?

Conclusion

Hope this article make your choice easier. Take care and see you next time!

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!

  • Simplified Guide to the Key Gist of Grant of Probate and Estate Planning
  • Cheapest and best way to trade Singapore Stocks with CDP
  • Mastering Dividend Investing: 5 Evergreen Investment Principles
  • Unlock Lucrative Returns with IAPD: A High-Yield ETF Providing 7% Annual Yield and Quarterly Payouts
  • Unlock Lucrative Returns with SDIV: A High-Yield ETF Providing 11% Annual Yield and Monthly Payouts
  • If I am a dividend investor, this is what I would do….
  • 7 Things to consider before buy a dividend stock
  • 4 Dividend ETFs that can let you sleep well even in the scary bear market
  • 5 Best Counters for Passive Dividend Investing
  • The Three MOST Important Traits of an Investor
  • What is the best investment strategy in the world?
  • Ultimate Strategy of buying REITS: XXX instead of X000?
  • Ultimate Free 2 Days Reit MasterClass: Exclusive at Careyourpresent.com only!

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:

  • The Best Advice to Parents and Child
  • What if Later never come?
  • What will you bring with you on your last day on Earth?
  • Time is the ultimate currency, not money
  • Our Life only have 5 short Days – we should live the best for every day
  • Truly understand Living in the Moment now
  • 11 Important Unexpected Life and Money lessons to learn from Your Children
  • The days are long but the years are short
  • Ditch your mobile phone to build real life
  • Careyourpresent: Time is the most important
  • Careyourpresent: What is your purpose of life?
  • Careyourpresent : Greatest Regrets in life
  • Careyourpresent : You might not believe it. It’s little unexpected things that make up a real life
  • Careyourpresent: Something only happen once in life, if you missed it, it’s gone forever…
  • Careyourpresent : Why is Gold useful?
  • Careyourpresent: Frozen. Let it go!

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!

  • Telegram Group (Chat with me and other like minded people!)
  • Telegram Channel (Get the latest updates on the markets/life!)
  • Twitter
  • Facebook
  • RSS Feed

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 🙂
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