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Month: April 2023

Our Life only have 5 short Days – we should live the best for every day

Posted on by careyourpresent

Our Life only have 5 Short Days

I came across this old article’s online few days ago and I thought I should share it. However, this article is in Chinese, hence I have translated it for those who can’t read Chinese. Do read it, digest and hope that you will live a better life.

Original Article in Chinese – 人的一生，只有5天

(Extracted from https://www.chinesewords.org/lifelessons/32956-758.html)

人生有五天：前天、昨天、今天、明天、后天，我們應該過好每一天。

1、感謝前天

前天是我們無法選擇的，對生命的存在我們應該心存感激，感謝父母給了自己寶貴的生命，把我們帶到這個美好的世界，可以看到晨輝落暮，可以感受生命精彩，盡享生命的樂趣。

2、總結昨天

昨天是我們行走的軌跡，在這里有過快樂、幸福和成功，也有痛苦、不幸和失敗，但在哪里跌倒就在哪里爬起來，昨天的失敗是明天成功的基礎，不能放棄學習，更不能放棄進步。

3、把握今天

今天應該倍加珍惜，好好學習，多多實踐，讓自己腳踏實地向前走。昨天已經過去，明天尚未到來，能擁有的就是今天。只有今天辛勤的耕耘，才有明天豐碩的成果。

4、追求明天

明天是充滿希望的未來，對我們有著十足的誘惑，理想只有在今天埋下，才能在明天實現。

5、不懼后天

因為今天、昨天我們已經認真度過，我們的后天就會是精彩的，對后天又何懼之有？后天是事物發展的必然規律，就像白天和黑夜永遠不能分開。

人生中的每一天，都應該好好珍惜，不在追思昨天中躊躇不前，不在期待明天中守株待兔，只有在今天的日子中踏踏實實地度過，把今天牢牢地抓在手中才不會愧對生命的意義。

Original Article in Chinese – 人的一生，只有5天

There are five days in life: the day before yesterday, yesterday, today, tomorrow, and the day after tomorrow. We should live each day well.

  1. Thank you the day before yesterday

We cannot choose the day before yesterday. We should be grateful for the existence of life. We should thank our parents for giving us precious life and bringing us to this beautiful world – enjoying the joy of life.

  1. Summarize yesterday

Yesterday is the track we walk. There have been joy, happiness and success here, as well as pain, misfortune and failure, but we can get up wherever we fall. Yesterday’s failure is the foundation of tomorrow’s success. We can’t give up learning, let alone give up progress.

  1. Treasure today

Today should be cherished doubly, study hard, practice a lot, let yourself move forward in a down-to-earth manner. Yesterday has passed, tomorrow has not yet come, what you can have is today. Only today’s hard work will produce fruitful results tomorrow.

  1. Pursue tomorrow

Tomorrow is a future full of hope, full of temptations for us, ideals can only be realized tomorrow if they are planted today.

  1. Not afraid of the day after tomorrow

Because today and yesterday we have spent seriously, our day after tomorrow will be wonderful, why should we be afraid of the day after tomorrow? The day after tomorrow is the inevitable law of the development of things, just like day and night can never be separated.

Every day in life should be cherished, don’t hesitate in thinking about yesterday, don’t wait for tomorrow in anticipation, only spend today’s day in a down-to-earth manner, and hold today firmly in your hands so that you won’t be ashamed meaning of life.

Don’t worry about past, worry about future, but CARE YOUR PRESENT and truly live in the moment

Some lessons learnt:

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 🙂

Farewell Createwealth8888

Posted on by careyourpresent

Farewell

With immense sadness, I saw Uncle CW (Jacob)‘s passing yesterday. He was one of the pioneer finance bloggers more than 10 years ago when I was still operating on my previous blog Oppose the Trend. I still remembered the vivid time where we were chatting non-stop in BULLy the BEAR chatbox. There was a couple of us, some with blogs, some without, just chit chatting there for anything under the sky.

Uncle CW is a very special finannce blogger. He doesn’t monetize his blog and thus he always speak freely in this blogs on his views. Of course, one very distinct characteristic is he like to “poke” people on some of the things (finance, investing things) that most other bloggers keep talking about. For example, topping up of CPF, SA account etc.

Personally, although I didn’t fully agree with all his investing views, I still have learnt many things from him and is immensely grateful to him. I still remembered that he sends me a file where he created to compute xirr – on how to track his portfolio when I was a newbie, till today I am still using this file after some modification to suit my own use.

Some of the key tips that I have remembered from his blog:

  • Patience to wait
  • Guts to buy
  • Invest in bluechips that stood the test of time like Uncle Chua
  • Reits will keep asking for cash for rights issue, not an ideal tool for retiree.
  • His famous chart on the various supports and resistance of STI
  • Short-term trading around core for core position like Kepcorp (100 rounds, 99 rounds etc)
  • The need to track portfolio using xirr
  • Moving goalposts – better to invest OA as compared to top up with cash
  • How-to take-out cash from CPF at December each year
  • etc

Goodbye

At least he has enjoyed 6-7 years of retiree life and has reared 3 wonderful child with only 1 single income. Farewell Uncle, 一路好走。Deepest condolences.

Within a short period of time, I witnessed the passing of my mum, passing of Ron Sim and now CW8888.

LIfe is short, please Care Your Present and Treasure it. You never know when it will be gone suddenly.

Photo by Max Kleinen on Unsplash

The Top 10 Money Habits of Self-Made Millionaires: Learn How They Built Their Wealth and How You Can Too!

Posted on by careyourpresent

We all know that building wealth takes hard work and dedication, but what if we could learn from those who have already achieved financial success? It’s not easy but it’s always good to learn from people who are way advance than you.

Self-made millionaires are a great source of inspiration and insight into how we can improve our own financial habits. After some research, these are the top 10 money habits of self-made millionaires, along with tips on how you can adopt them for yourself.

Personally, I am doing 1 to 8. What about you? 9 and 10 is still beyond me now!

This is generated using https://openai.com/product/dall-e-2

1. Be a Budgeting Ninja

Self-made millionaires know that every penny counts. Become a budgeting ninja and track your expenses like a hawk to ensure you’re maximizing your savings potential. Saving = income – expense. Once you can budget, you can do anything!

2. Invest in Yourself (No, Not That Way)

Investing in yourself doesn’t mean blowing your savings on plastic surgery. It means constantly learning and improving your skills to stay ahead of the game. So take a course, read a book, or seek out a mentor – invest in yourself and watch your wealth grow. Human asset is the best asset

3. Embrace Minimalism

Luxury cars and designer clothes may look cool, but self-made millionaires know that living below your means is key to building wealth over time. So skip the flashy stuff and focus on the bigger picture. Contrary to most belief, most millionaires/billionaires are eating the same things everyday, wearing the same clothes everyday. Do you know why? They are focusing on other more important things!

4. Set Goals and Crush Them

Self-made millionaires set clear goals and work tirelessly to achieve them. So, set specific and achievable goals for yourself, write them down, and create a plan of action to help you crush them. Success is because planning. If you have no plan, it is difficult to success unless you are lucky to win lottery!

5. Get Your Stock Game On

Investing in the stock market is a powerful way to build wealth over time. Educate yourself on the market and invest in companies that align with your values and long-term goals. Of course there are other investment such as Cryptocurrency, Forex, alternative investments like wine, please learn and get your hand dirty in order to win!

6. Be a Passive Income Pro

Self-made millionaires build passive income streams like rental properties, businesses, and dividend-paying stocks. So get creative and find ways to generate passive income that align with your skills and interests. Passive income will get you rich! Buy assets to generate those income! Grow your business!

7. Say Bye-Bye to Debt

Paying off debt should be a priority to reduce interest payments and free up cash flow. So create a debt repayment plan and stick to it. Focus on paying off high-interest debt first and consider consolidating your debt to reduce your interest rate. However, there are good debt if you know how to deploy it correct. Leverage with good debt to increase your wealth faster!

8. Take Risks, But Not Like a Stunt Double

Self-made millionaires aren’t afraid to take calculated risks. But before you jump out of a plane, weigh the risks and rewards of each opportunity and take calculated risks when the potential for reward outweighs the potential for loss.

9. Network Like a Boss

Self-made millionaires surround themselves with successful people who inspire and motivate them. So network with successful people in your industry and seek out mentors who can offer guidance and support.

10. Give Back

Self-made millionaires understand the importance of giving back to their communities and supporting causes they believe in. So find ways to give back and support causes that align with your values – you never know, you might just become the next Bill Gates!

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 🙂

SBMAY23 GX23050W SSB is out! Above 3% but less than last month. What’s the plan?

Posted on by careyourpresent

The most anticipated Singapore Saving Bonds rate is out for next month. The rate is 3.03% (year 1) and reaches for the 3.21% (year 10). The average is 3.07%. Would you buy or bye this month? Let’s analyse more.

SBMAY23 GX23050W

Compare to Last Month

Let’s compare to last month. As per what I what posted earlier, the rate is indeed lower by a little bit. It’s still great as 3% for longer term emergency funds but not attractive as short term funds because Fixed Deposit, Treasury Bills, Money Market Funds offer close to 4% now.

If we look at the yield, it give 3.15% (above 3% is not bad for longer term of 10 years) which is quite good as compared to the recent 3.65% of treasury bill and the lowering fixed deposit rates. Next month SSB should be slightly lower but yet not much people applied for this round. If people believe in Fed pivot and the interest rate to come down, why not much people apply?

SBAPR23 GX23040S

But the good thing about Singapore Saving Bonds is that you can locked 3%+ rate for 10 years while you can redeem anytime within 1 month without any penalty. See my previous posts on Singapore Saving Bonds.

SBAPR23 GX23040S – Singapore Saving Bonds (SSB) above 3% again. Buy or Bye?

Singapore Saving Bonds – SBAPR23 GX23040S – results out! Almost all get what they want!

Update on my recent Trade under rising interest rate conditions!

Application Details for this month SBMAY23 GX23050W

Application deadline is 25 Apr 2023, 9pm with $700.0 million. Next payment will be 01 Nov 2023 with subsequent payment on every 6th Month on 01 May and 01 Nov.

Given that last month almost everyone get what they want, 69k and the interest rate is slightly lower for this month as compared to last month, most likely the demand will be low too. What you apply in this month, likely you will get everything! If you think interest rate will goes down soon, it is always good to lock in the 10 years rate, you can redeem anytime anyway.

What’s my plan for this month SSB? SBMAY23 GX23050W

Let’s us recap the advantages of SSB first:

  • Very safe – backed by Singapore Government
  • Locked down decent rates of around 3% for 10 years.
  • Easy to redeem and can redeem partial
  • Liquidity needs maximum of 1 month where you can get your money back. Hence suitable as emergency fund.
  • Limit of 200k should be good enough for most people.
  • Can build Bond Ladder to get monthly income (which I already did)

Let’s us recap the disadvantages of SSB:

  • Short term rates are lower than banks’ fixed deposits, money market funds such as MoneyOwl,etc of around 3.5% and above.
  • Low returns
  • 1 month liquidity to redeem your funds may be too long for people who need the funds immediately.

I have applied and got what I wanted last month. SSB is my emergency funds/last resort warchest.

Although I have not yet reach 200k but may not want to apply more since this month rate is slightly lower. However, let’s see how it goes this month. Hopefully I can deploy my warchest from my Fixed Deposit and Money Market Funds. If I manage to use all these funds, then I won’t apply SSB, otherwise I may apply more SSB.

Anyway, let me screenshot my SSB portal. Risk free money, not bad isn’t it? I will get around 300 each per month for the next 10 years risk free!

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 🙂

Webull – powerful brokerage nice free welcome gift by depositing only S$0.01!

Posted on by careyourpresent

Webull is back!

Webull has a very nice promotion recently which supposed to end on 31 March 2023. However, they have extended the offer until 28 April 2023. Great news for those who haven’t sign up yet! Previously, I have already shared about this good deal via by earlier post: Webull: Spend $0.01 and earn US$50 to US$500 for free!

Click here to register a new account!

More Details

The extension is now until 28 April 2023.

Simply fund any amount (S$0.01 will do to test out the account).

Personal Experiences

Let me share a bit of my personal experiences.

I have received 3 x 0.06 = 0.18 Tesla shares so far and have sold it! Do see the screenshots below. The commission charged is only $0.02, the cheapest that I have ever seen nice. For those who like to trade US shares, this brokerage is for you! Now I have free SGD$47.35 (USD$35.79) for some meals. Free money to test out a cheap and nice brokerage, why not?

Click here to register a new account!

How to sign up?

To sign up, there are only 4 simple steps. Let me share again on what I have did previously!

4 Simple Steps to get free money and a very decent brokerage account

Step 1: Registration

Click here to register a new account.

After clicking “Sign Up” you will be directed to registration page.

Here are what you need to do:

  • Fill in your phone number
  • Click “Send Code” and the system will send a code via SMS to you
  • Key in the verification code
  • Read and agree with Terms & Conditions and Privacy Policy
  • Click “Next”

You have successfully registered for a new account! Now, it’s time to set up your account.

Step 2: Setup Your Account

The next step is to setup your account. To do so, here are the steps you need to take:

  • Download Webull App on your mobile
  • Login with your mobile number
  • Click on the “Open Account” tab at the bottom center of the screen
  • Fill up your particulars. For simplicity, you can login with your Singpass.
  • After submitting your particulars, wait for Webull’s approval (my approval took only 30 minutes from the time that I have applied). You will receive an email from Webull to tell you about your account’s approval.


Click “Open Account” to start setting up your account. Then, fill up your particulars.

After submitting the form, you will be shown this page. Wait for approval email from Webull.


After approval, you can go to the app and click Webull logo at the bottom center. Then, set your trading password.

Step 3: Make a Deposit of ANY amount in 1 transaction (SGD $0.01 will do)

After your account is approved, it’s time to make a deposit. Inside Webull app, select “Webull” tab at the center bottom of the screen.

There are 3 ways to make deposit: eDDA, Fast or Telegraphic Transfer.

eDDA method means you’re authorizing Webull to transfer money from your bank account into your Webull account. Setting it up is very easy, just click on “eDDA” then follow the instructions, login to your internet banking, set the amount limit and you’re done.

FAST method means that you need to manually transfer money from your bank account using FAST option. This is only applicable for deposit made in SGD. After you’ve done the transfer, you need to click “Notify Webull of Transfer Completion” and the money will be reflected into your account within 5 to 10 minutes.

Telegraphic Transfer (TT) method means that you need to manually transfer money from your bank account using the traditional Telegraphic Transfer method. This is applicable for deposit made in SGD, USD or HKD. After you’ve done the transfer, you need to click “Notify Webull of Transfer Completion” and the money will be reflected into your account within 1-3 days.

Please note: The registered name of the bank account holder and Webull account must be the same for all deposits and withdrawals. Deposits must be from your own individual bank account, not third-party bank accounts, joint accounts or third-party payment platforms.

To make deposit, click Webull logo at bottom center, then click “Deposit Now”. After that, choose your deposit method.

This month promotion requires you to deposit any amount in a single transaction and maintains it for 30 days.

After depositing your SGD, if you want to convert it to USD to purchase stock in the US market, here’s how.

Click Webull logo, then click “Details”. After that, scroll down to find “Exchange Currency” button.

Step 4: Maintain Your Account for 30 Days

Next, you need to maintain you Net Cumulative Deposit at SGD 0.01 or above for 30 days after the initial deposit. That means, all your total deposit minus total withdrawal should be at least SGD 0.01.

It is alright if your portfolio falls below SGD 0.01 during the holding period, as long as your Net Deposit is at least SGD 1. If you don’t perform any withdrawal, your net deposit remains SGD 0.01.

After meeting all of the above simple steps, you will receive your rewards within 7 business days. Please remember to use the rewards WITHIN 30 days. After 30 days, the unused rewards will be expired.

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 🙂

How to Bridge from Arbitrium to ZKsync Era

Posted on by careyourpresent

Airdrop Airdrop Airdrop

Recently this is one of the favourite topic in Crypto after the recent airdrop by Arbitrium. Many people made $X00-$50k+ for the Arbitrum Airdrop recently. Many are hunting for the next airdrop. One of the next hot potential airdrop will be Zksync. Thus, many people are moving their funds from Arbitrium to Zksync Era.

One of key question that came up is how to bridge from Arbitrium to ZKsync Era?

Besides using the official bridge https://portal.zksync.io/bridge, there are other options too. Let me share with you on the options.

(Also see Arbitrum Airdrop – free money! What other airdrops that will give you free money next?)

Option 1

ZKsyn Official Bridge – https://portal.zksync.io/bridge

Connect your wallet and then select the network to bridge. Gas fee not very cheap for this bridge currently.

Option 2:

Use MultiChain – https://app.multichain.org/#/router

Personally, I like to use this bridge for other chains too, one of the more efficent and cheaper option. This is one of the more established bridges in Crypto.

Option 3:

Orbiter Finance – https://www.orbiter.finance/

There is no token for this DeFi yet hence by using this bridge you may get chance to get both Zksync and Orbiter Finance Token. The gas fee is one of the cheapest too. Remember to change to V2 of this bridge, else you won’t see Zksyn Era.

Option 4:

Rhino.fi – https://app.rhino.fi/bridge

I haven’t try this yet but this is one of the bridges that people use. I tried to use one of my burner wallets to test connect the page, what irritate me is there are quite number of pop-ups. Although it’s cheap, but I may not want to use this.

Which options should we use?

Personally, I would go for option 1, 2 or 3.

Option 1 is the official bridge which will give you higher chance of airdrop but relatively more expensive in term of gas fee.

Option 2 is one of the very established bridges that you won’t need to worry your funds gone missing. Gas fee relatively cheap too.

Option 3 is quite new and there are feedbacks in Crypto Twitters that people funds went missing/in limbo for quite some time. Personal it works for me, but in Crypto everything is hard to say. This protocol has no token yet, hence might be another chance for another airdrop.

However, since Zksync Era only launched recently few days ago, good to let things run a while first before entering, especially this is only the “Alpha” version which even the documentation asked user not to go all in yet.

Have fun farming for airdrops!

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 🙂