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Year: 2023

Farewell Mum. You are always in my mind

Posted on by careyourpresent

Memories always haunt you

This morning I read this article (Farewell Dad. I will miss you.) by Keith and it has reminded myself about recent passing of my mum few weeks agao.

Before you read on, please note that this is a personal article to myself with no component of investments, financial independents topics etc. I just want to share my feelings and remind myself and everyone to CARE YOUR PRESENT before it is too late.

For those who have been reading my articles, I have subtly wrote about my mum passing away in one of my article (Truly understand Living in the Moment now) few weeks ago. I thought this was a private affair of mine, hence I don’t want to put up the full details to the internet for all to see. Perhaps subconsciously, I still want to deny this as a truth/fact of life and just want to hide it somewhere in the deep memories of mine. However, I want to remind everyone including myself to Care Your Present/Live in the Moment, hence I wrote that article.

However, memories come back to haunt me. I am writing this article now with tears rolling my eyes and heart bleeding. I tried to act strong since the passing of my mum on 19 Jan 2023 Thursday afternoon. In front of people I don’t cry, but nowadays I would cry at night after everyone in my family sleep. In the past I used to sleep late, nowadays I tried to sleep early with my wife and kids so that I won’t feel alone at night.

Tomorrow is the San Qi (三七) day for the Chinese’s ceremony for the dead. Coincidentally, it is my birthday and I won’t be celebrating birthday this year. There is nothing to celebrate when the woman who give birth to you has just passed away.

Her conditions

14 January 2023 (Saturday). This is the day of where my mum was admitted to hospital. She was suffering from long term renal disease and was diagnosed as full renal failure (thus need dialysis) 4 years ago. She was a frequent visitor to the hospital since then.

The worse case was in 2020/2021, she was actually admitted to the hospital for an entire year due to a leak in her intestines and many other medical conditions. Cutting the story short, she went through numerous operations (heart, ribs due to fracture after the doctors ditch to save her using CPR etc). She was in breathing tubes, ICU etc. That time we thought she would be gone after the Doctors told us that it is very likely she will be gone given her multiple failures in the major organs. Luckily she survived but she was hospitalized for an entire year – March 2020 to March 2021. After her discharge in March 2021, she was bedridden fully with no ability to do her own Activities of Daily Living (ADL).

As all of her kids are working and it is difficult for us to fully take care of her 24 hours, we luckily managed to get a caregiver helper for her and she did well to help us take care for. My sincere thank you to you if you are reading this. My father was also badly ill with cancer but luckily the Chemotherapy works as of now.

Since that long year of hospital, her health has become weaker and weaker. She still can walk a bit with some help from to other people. We would call taxi to bring her to her weekly Mon, Wed and Friday dialysis. But who knows she also get COVID. Due to Covid, she was hospitalized for 3 weeks, after that she can’t walk at all. We change to getting those wheelchair services (Dexerity, Silver Fleet) etc to bring her for her weekly dialysis and hospitals visit.

Since this episode, she been in and out of hospital very frequently. We are worried but nothing we can do. What I did was to visit her weekly (we didn’t live with them similar to many other married people) and talked to her. Of course bring her to the doctors etc.

The day ambulance come

On 14 January 2023 (Saturday), the week before Chinese New Year, she was not feeling well. Hence we called ambulance to bring her to hospital. I was actually planning to visit her on 15 January 2023 (Sunday) while the caregiver helper on off day. We thought it was her usually in/out of hospital like many past time, but this time is not.

The next few days was horrible. Hospital told us that she was under some kind of infection. Her blood pressure become too low (below 100), hence they can’t do dialysis for her. For those who are unaware, during dialysis, blood pressure usually will drop. Hence for patient with too low blood pressure, they can’t do dialysis because of the risk of cardiac arrest. As time goes by, we were informed that her situation is in a loop – her blood pressure too low for dialysis, but without dialysis, the toxic level in her blood would become too high. Hence they can’t let her eat because this would increase her body load to clear toxins. To push back the blood pressure, they would need to cure the bacteria infection. No food, only drips would make her weak. As times goes by, she went on without dialysis for days.

The day came

It was a thunderstorm day for the whole family. The bad news came on Tuesday 17 January 2023 or Wed 17 January 2023. The doctors told us to be prepared. Everyone can visit her and standby her bed 24/7. She might not make it.

We wanted to celebrate Chinese New Year with her and she was looking forward to it but now we have no chance.

We were with her standby beside the hospital beds, hoping for a miracle similar to 2020/2021 but it didn’t came. Her vital sign suddenly came back on 19 January 2023 3pm plus and we thought got hope. But then suddenly she was gone on 4.44pm. She might be waiting for her grand kids to come before she leave this world (my kids reach below hospital around 4pm plus but can’t go up due to rules).

What’s Next

After which, I can’t believe this is the truth, we went through the usual funeral etc, trying to heal our wounds. It was hard, but have to. Until today, I still can’t fully healed from it but I have grown out from it.

As mentioned in my last article (Truly understand Living in the Moment now) – In the past, I know that I should live in the moment/Care the Present and not to be too worry about future/worry pasts. But to truly know and practice it to the deepest of my soul, I didn’t manage to do it. It was after my passing then I truly understood.

Since then, I vowed to live everyday to my fullness, do things that I love, treasure my love ones around me – to put it bluntly, you will never know when that day that you leave this world will come. Time has no reset button.

Below are was I have posted in that my last article (Truly understand Living in the Moment now), hope everyone really remember to live in the moment, Care Your Present. Time has no reset button, it will be too late to regret in life.

Life and Careers

For those who have been following my article, you might have remember this post (A real life case of Financial Independent but don’t dare to retire early). Let me put it straight to the point. The person that I have mentioned in this article is me.

I have promised my kids that I will be house dad to spend time with them hence I quit my job three months ago.

However, in the past three months, I become worry about money/cashflow, especially if I will have sufficient money to support my mum should something like 2020/2021 year long hospitalization occurred. Rationally I should have enough with cash/CPF, medical insurance coverage, but I still worry. I have also did an analysis previously (You will likely never run out of money with 1 million: Expectation vs Reality) which mathematically prove my points of having enough (of course I have more than 1M).

The three month notice period wasn’t what I had imagined. I was living in constant worry about future and regretting about queuing a decent job with nice cashflow etc. In the end, I wasn’t able to give my fullest to the kids. I became emotionally unstable and not being able to live in the present.

I don’t know if this was fate or my mum’s wishes, about 1-2 days before her last day on Earth, I was in discussion in my company to continue with my role instead of leaving since they can’t find replacement. That time I was too worried about my mum, hence I said yes to continue to get one thing out of my mind. At this moment, I am not sure if I am right or not.

Fast Forward to Today

Now then I know I was wrong then for that 3 months period.

After my mum passing, I realized that time is the most important. Something once you missed it, it won’t come back. My kids everyday was hoping me to bring them out to play after their school around 5pm plus, but I can’t due to work commitment. Last week, her teacher told me that my kid told her that she most look forward to her daddy to bring her out to play (not look forward to daddy buy her new toys).

Let’s fast forward a bit, imagine years from now I am on death bed or after my kids grow up to secondary/JC/Poly/UNI…

  • Would I regretting missing my monthly paycheck that give me stability of monthly cash flow despite having enough cash flow from dividends/other investments?
  • Would I regretting missing the time where my kids keep call me daddy daddy, ask me to accompany them and bring them to play? Do you think by the time I have lots lots of money and they have grown up, they still want me to bring them out to play or they rather go out with friends?

Conclusion

Anyway, let me get back to life today. I have promised myself to live a fulfilling life, Care My Present, with or without my 9 to 5 job that give me monthly paycheck. Live everyday to the best and see how it goes.

Don’t worry too much about the past or regret the future. Time has no reset button.

Please treasure every single second of your life – CARE YOUR PRESENT!

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 earn passive income using options

Posted on by careyourpresent

Introduction to Options

When it comes to earning passive income, options are one of the best ways to get started. But before you dive in and start buying and selling stocks and other assets, there are a few things you should know.

Options in short are like insurance where an investor buy/sell call/put options while paying/receiving the option premium.

Many people have heard of options from YouTube, social media etc that options allow you to generate “passive income”. One just need to learn and join their courses to get passive income etc.

This article will cover two popular methods for earning passive income using options trades: covered calls and covered puts.

Selling Covered Calls

Selling covered calls is a way to generate income from your portfolio, but only if you use them correctly. Let’s start with the basics: what are covered calls?

A covered call is when you sell an option(s) that would covers owns an equivalent amount of the underlying security that the investor already owned. In the process, the seller will earn a premium from the buying.

The investor for example holds 100 shares of XXX, he or she can sell 1 call option (=100 shares) of XXX which will expired at a specific expiry date with a strike price. In the process, the investor earn an income premium (some sort like insurance writing).

At the expiry date, if the price of the underlying security is above the option’s strike price, the seller of the option has to sell the 100 shares at the strike price if the buyer of the option chooses to exercise the option. The seller will have to forgo the price gain of the security above the strike price. Conversely, if the price drop below the strike price at the expiry date, the buyer likely will not exercise the option, the seller will thus profit and gain free premium (“passive income” while holding the security).

It sounds like an easy way to make money, but the execution is really not that easy. It is not that “passive” at all.

Selling Covered Puts

Selling covered puts are a way to make money when you think the stock price will go down. A covered put is an option that gives the holder permission to buy shares of a stock at a certain price, with the obligation of paying for them if they’re exercised.

To give you an idea of how this works, let’s say that YYY stock is trading at $100 per share and someone sells one month out from expiration (1 pull option) 100 shares of YYY with a strike price set at $95 per share. If the expiry price is below $95 (e.g. $90), the seller of the option get to purchase the 100 shares at $95 even though the market price is $90. If the expiry price is above $95 (e.g. $100), the buyer of the option will likely not exercise the option, hence the seller of the option will pocket the premium.

This is like a good to cancel order that most investors are aware of – just put the queue at the price you want to buy but there are other risks involved.

You might be wondering how you can get started with options trading. Here are some tips:

  • Understand the basics of options trading.
  • Options are traded on many different exchanges around the world, but they all work pretty much the same way.
  • For example, there are call and put options that allow you to buy or sell an underlying asset at a certain price within a specified amount of time (usually 30 days). The key difference between these two types of trades is whether the seller pays up front for their option—which means they’re assuming risk—or if they do so later in exchange for compensation from whoever buys their contract first.
  • Be aware of fees associated with each type of trade before making any decisions about whether it makes sense for your portfolio.
  • Know which brokers offer lower commissions than others when buying/selling into/out, this will help keep your costs down while still providing access to markets anywhere in world!

Conclusion

As you can see from the above, there are many options available to investors looking for passive income using options trades. It is important that you fully understand them before you begin trading and have a sound plan in place to ensure that your risk is minimal while still generating the expected return on investment (ROI).

In real application, it is not as simple as it seems. I would not recommend any investor especially newbie to use options to generate passive income, moreover attend course and pay people to learn options (you are making them rich, not yourself). This is just an article so share some basic about using options to generate “passive income”.

There are many other considerations that one need to know before doing options. Most people should do better with index Etf investing. Those more adventurous can try dividend investing, growth investing, value investing or the Cryptocurrency if one is even more adventurous.

The two options methods discussed above are popular, but they aren’t the only methods available to investors seeking passive income using options trades. As with any investment strategy, it is important to fully understand how all the various options work and have a sound trading plan in place before you put any money on the line.

5 Best Counters for Passive Dividend Investing

Posted on by careyourpresent

Busy Schedule Busy Life

We are always very busy with work, life, hobbies, families, friends etc and many other things. With so much going on, it can be difficult to prioritize and find the time to invest in one’s financial future. Despite the importance of saving and investing, many individuals put it off, thinking they will have more time and resources later on. Hence, one of the good way is to take a more passive approach for many busy people.

Before i go on to talk about investing, I would like to reiterate that one should never forget to live a real fulfilling life. Live in present, don’t regret past or keep worrying about the future.

I only Truly understand Living in the Moment now after the passing of my mum.

I made the mistake last time and hope no one will do the same like me. Please live a fulfilling life – the final objective with Time as the most precious asset. Tools such as money, investing, planning etc are just the tools to reach your final target goal – LIFE.

What is passive investing?

Passive investing is an investment strategy in which a portfolio is constructed to mirror the performance of a market index, such as the S&P 500 or world index, rather than actively seeking to outperform it by buying individual stocks. This is achieved through low-cost index funds or ETFs, with the goal of matching market returns at a lower cost than active management.

Passive Dividend ETF investing

Passive dividend ETF investing involves investing in exchange-traded funds (ETFs) that hold a diversified portfolio of dividend-paying stocks. The ETFs aim to track the performance of a benchmark index that measures the performance of high dividend yielding stocks. This approach provides passive investors with exposure to a diversified portfolio of dividend-paying stocks with the goal of generating a steady stream of income.

In Singapore contexts, people like to buy Singapore Reits/Stocks because there is no withholding taxes. Some buy Hong Kong Stocks which most has no withholding taxes. Of course, there is an options to buy US dividend counters but usually these are less ideal due to withholding taxes.

Despite this fact, if one still want to buy US dividend counters with a more passive approach. I would recommend these 5 counters with low expense ratio.

Expense Ratio is important

Expense ratios are important to passive investors because they directly affect the net return on their investment. A high expense ratio means a higher portion of the investment is being taken as fees, reducing the overall returns. Low expense ratio funds allow passive investors to keep more of their returns, potentially leading to higher returns over time.

Schwab International Dividend Equity ETF – SCHY

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of an index composed of high dividend yielding stocks issued by companies outside the United States.

Some other key facts about this fund:

  • Invests in non-U.S. high dividend yielding stocks with a record of paying dividends for at least 10 consecutive years, financial strength and screened for lower volatility
  • Expense Ratio: 0.140%
  • Total Number of Holdings: 147
  • Weighted Average Market Capitalization: 63B
  • Yield: 3.67%
  • Highly diversified outside United States
  • Return since inception 04/29/2021: -3.24% (This fund is still quite new given that it started in the year where world markets are coming down.)

Schwab U.S. Dividend Equity ETF – SCHD

For those who like US dividend stock, this ETF is for you.

The fund’s goal is to track as closely as possible, before fees and expenses, the total return of the Dow Jones U.S. Dividend 100™ Index.

Some other key facts about this fund:

  • Tracks an index focused on the quality and sustainability of dividends
  • Expense Ratio: 0.060%
  • Total Number of Holdings: 104
  • Weighted Average Market Capitalization: 127B
  • Yield: 3.39%
  • Highly diversified within United States
  • Return since inception 10/20/2011: 13.82%
  • Look at the top 10 holdings, are you familiar with them?

iShares Core Dividend Growth ETF – DGRO

This is an ETF by iShares that would give you both growth and yield at the same time.

Some other key facts about this fund:

  • The iShares Core Dividend Growth ETF seeks to track the investment results of an index composed of U.S. equities with a history of consistently growing dividends.
  • DGRO offers low-cost exposure to U.S. stocks focused on dividend growth
  • Access companies that have a history of sustained dividend growth and that are broadly diversified across industries
  • Expense Ratio: 0.08%
  • Total Number of Holdings: 448
  • Weighted Average Market Capitalization: 24B
  • Yield: 2.34%
  • Return since inception 06/10/2014: 11.02%
  • Look at the top 10 holdings, are you familiar with them?

Vanguard Dividend Appreciation ETF – VIG

This is one of the major passive dividend fund by our passive fund manager Vanguard.

Some other key facts about this fund:

  • Seeks to track the performance of the S&P U.S. Dividend Growers Index.
  • Passively managed, full-replication approach.
  • Fund remains fully invested.
  • Large-cap equity, emphasizing stocks with a record of growing their dividends year over year.
  • Low expenses minimize net tracking error.
  • Expense Ratio: 0.06%
  • Total Number of Holdings: 289
  • Weighted Average Market Capitalization: 150B
  • Yield: 1.92%
  • Return since inception 04/21/2006: 9.08%
  • Look at the top 10 holdings, are you familiar with them?

S&P 500 Dividend Aristocrats ETF – NOBL

This is the only ETF focusing exclusively on the S&P 500 Dividend Aristocrats – very famous fund that many know of.

Some other key facts about this fund:

  • The only ETF focusing exclusively on the S&P 500 Dividend Aristocrats—high-quality companies that have not just paid dividends but grown them for at least 25 consecutive years, with most doing so for 40 years or more.
  • Often household names, NOBL’s holdings generally have had stable earnings, solid fundamentals, and strong histories of profit and growth.
  • Expense Ratio: 0.35%
  • Total Number of Holdings: 64
  • Weighted Average Market Capitalization: 91B
  • Yield: 2.68%
  • Return since inception 10/09/2013: 11.44%
  • Very diversified across sectors

Which ETFs/Funds should I buy?

If I am an investor who want passive dividend investing and interested more in United States with some exposure to international dividend counters, I would buy all these 5 counters using DCA approach. However, do note that for investors in certain country, there will be withholding taxes which are not ideal as it will eat into your returns.

Nevertheless these are solid passive funds that one can consider to put into its list of portfolio.

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 🙂

Truly understand Living in the Moment now

Posted on by careyourpresent

Most Powerful way to Live in the Moment

Does anyone remember my past post on how to generate the most powerful way to Live in the Moment?

Most Powerful Way to Live in the Moment

In this article, I shared that the most powerful way is to imagine…

Imagine, you are living your life as per normal today – 7am wake up, say bye to your loved ones, go to work and be home 8pm. Hence, you do live your usual rat race life to grow wealth and get your beloved monthly paycheck.

Suddenly this happens…

Hospital: Created using https://creator.nightcafe.studio/

You found yourself woke up in the hospital, the doctor told you that you only have few hours left to live because you met a car accident on your way home today and you are seriously wounded.

Basically, in short is to imagine the end of your life NOW and what makes your regrets. Then take action to change yourself and live for the better today.

However, how many truly understand this?

Truly Understand Live in the Moment

When I wrote that article, I also thought I have truly understood what is meant by living in the Moment, don’t regret past or worry about future etc. But I am totally wrong.

“You are so anxious about the future that you do not enjoy the present. You therefore do not live in the present or the future. You live as if you are never going to die, and then die having never really lived.”

Dalai Lama

In my past life, I was worried about whether I have enough money to take care of kids, parents, own living expenses, whether my life, work, investment plans work or not; regretting if I have made any wrong choices in the past, be it work, investment etc. Every day of course, I reminded myself to Care and live in my present.

Most of the time I did treasure my present on the outside, but inside being a high S person (DISC profiling), I am a constant worrier. After being present in the moment for a while, I would drift away to plan for the future. My guess many people also fall in this category – you know the theory, the rules of life, what’s important in the life, but to truly embrace it, not everyone can do it.

What lead to this change?

In my current life, I am different now. I truly embrace and understand living in the moment, caring your present (which what this blog is about).

I was too focusing on the tools (how to improve productivity, grow income/wealth, plan for future etc) to achieve the ultimate goal of living a fulfilling life on daily basis instead of the ultimate goal itself.

What lead to this change?

Sadly, it is something irreversible – my beloved mum passed away 1+ weeks ago. Time really don’t have reset button.

Like many people, I became a weekend son after marriage. I visited my parents every weekend while weekdays hustling with 9 to 5. On the weekend one week before my mum went into the hospital for the last time, I was emoing (worry about future, regretting about some past decisions etc), hence I decided to “take a break” and don’t visit their house for one week. Since I visited them every weekend, one week don’t visit doesn’t matter. right?

However, sadly I was wrong. That was the last weekend I can visit and talked to my mum while she is conscious. The next time I saw her after that week was in hospital where she was highly unconsciously, eyes closed, blood pressure/heart rates keep dropping etc. I tried talked to her, but she can only shake head without opening her eyes – she seems to understand what I said but cannot react to it meaningfully.

The next day afternoon, she was gone suddenly. No pulse, no heart rate, just lying there cold. I was devastated, and don’t know what to do, cannot believe this fact.

Please live a Fulfilling Life Everyday Every Moment

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.

We always thought that we have more time to play with your kids while they are growing up every day very fast. With a blink of an eye while you are busy hustling away 9 to 5, trying to earn more and more money (maybe you already have enough, but you keep thinking you don’t. Read this post: You will likely never run out of money with 1 million: Expectation vs Reality), they are already so big. They no longer want to play with you. They want to go out with friends. By then no matter how rich you are, 10 millions/10 billions, they still rather go out with friends. You missed it means missed it. There is no reset button.

Twitter Posts

Let me share a few tweets that I have posted these few weeks after my mum passed away. I used to be posting a lot to share my views but didn’t for these 1.5 weeks after my mum passed away. Hope you get what I want to send through to anyone reading this in this world.

https://twitter.com/pascalcampionhttps://twitter.com/pascalcampion

Move on and Living Fulfilling Life Everyday

I have moved on and now is living a fulfilling live every day.

  • Wake up everyday and believe/will achieve that today will be a beautiful day
  • Grateful every day on what I already have – spouse, kids, life, health, some money which is enough to sustain family for a long long time
  • Grateful that I am alive and healthy and can do what I want
  • Living in present every moment, never regret past or worry too much about future
  • Understand life and time has no reset button – the greatest asset that one will have in life and is depleting every second. Time is ticking away…
  • I will spend every moment to live a life that I want, not a life that society wants me to be
  • Living a fulfilling life for every second of my life whenever possible

I truly hope that anyone that has read this article please think and reflect on your life before it is too late. Always aim to live a fulfilling life/a life that you truly believe to live for. Focus on the end goal not the tools (wealth, work, money, increase productivity, every second must work to be productive etc). Of course, these tools are important, but they are not the end goal.

Really, days are long, but years are short. Time has no reset button. You will never know if you never wake up tomorrow. (If you visit cemetery, there are people who died very young if you observe carefully, 40+, 30+, 20+ 10+ or even a baby). Don’t regret or worry too much about future.

Most important, please live in moment and Care Your Present.

Good articles that you should read!

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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!

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