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Author: careyourpresent

Capitalizing on Market Volatility: War Chest dipped below Critical Point!

Posted on by careyourpresent

Recently, the treasury yields have been increasing. Yield increase means higher cost for businesses who borrows (many businesses do borrow), which indirectly means bad for equities. The risk-free rate for 10 years US treasuries has reached 4.8% this week which spooked out many investors, especially REITs Investors!

Cut loss and wait time

To many people and what many have posted online – the interest rate is high; Reits DPU dropping; hence, Reit Price drops. The risk-free premium is getting narrower for the highly leveraged REITs, since the 10 years treasuries are 4.8% now. The risk is high, better don’t buy. It’s better to wait till interest rate cut, situation gets better, price goes up then buy.

Stock market is the only weird place where people rush to exit when there are sales but rushes to enter when the prices are getting more expensive! Isn’t this weird? Do you do this when your favorite items are on sales in the supermarket?

Photo by Dongki Koh on Unsplash

My Actions

These few weeks I have spent small amount of my war chest to do shopping and finally my War Chest dipped below Critical Point! My war chest is now below 50%, at 49.68% now! I have shared my live buys in Twitter, for those interested, can follow and exchange ideas there 🙂

Market Risk

Likely the weeks coming there will be even greater volatility going ahead.

If it down more, I will use more war chest to only buy good companies. If it up more, I may sell some of the recent buy to take profits. The risk is still relatively high for equities now such that it may go down much further, but timing the market is impossible. We could only roughly know what’s the macros are heading, plan your portfolio allocation and buy only good companies.

Japanese Interest Rate

Many people only look at US interest rates.

Don’t forget about Japanese Interest Rate. 10-year Japanese Government Bond Yield has hit a new decade high at 0.80%. BOJ may not be able to maintain their yield curve control or QE any further. Eventually 1% or higher rate will reach sooner than you think.

The chance for the massive decline in global world liquidity due to dwindling yen carry trade is getting higher. Many highly leveraged companies (especially those who are swimming naked) running into issues will be getting higher each day. Imagine the massive pull out of billions of global foreign investments… what will happen?

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

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 FSMOne 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.

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

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 (your strong health, time with young child) while busying striking out in career.

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.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

More articles can be found here.

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].

Work is part of Life? Do you agree?

Posted on by careyourpresent

I saw this article via Finance Opti. He shared that

DBS CEO Piyush Gupta thinks work-life balance is ‘baloney’ & that work is part of life

But he disagrees with the statement above and brought up the an interesting point

For example, the NUS President is able to have morning walks and talk to his staff at the same time – killing 2 birds with one stone. If you are an employee expected to toil in front of the computer the whole day, if you tell your boss you are going out for a morning walk, he will not take it nicely, right?

NUS President Tan Eng Chye on university rankings and morning walks with staff

For employees, they just do not have enough freedom to manage their time during work hours. As such, work is work. After work, they need to take care of themself/family. So for employees, it is best to keep work and life separate. 

Also, employees just don’t have enough ‘skin in the game’ to merge work with life. If they do office work outside office hours, what do they get? Maybe a bigger bonus when it comes to the next round of performance review. For business owners it is different. If their business takes off, the rewards are much more. 

What do you think?

When you are in the management role, you can choose and plan your time. You don’t need to sit in your desk from 8.30am to 6pm daily, there is no such thing as work from home or work from office because you can come in and leave anytime as long as the office need you. In fact, for those super high level, you have minion to serve you when you come to office.

That’s why they can make work part of life, especially they are so highly paid with so much flexibility of time.

What about employee?

Whereas, for normal employees, firstly pay are not that high and recently, many of the bosses also like the employee to be in office. You can see from the many recent articles that the offices keep calling the employee to come back to office. Since we are talking about NUS above as example, I saw in this forum saying that NUS is changing from 3 days WFO, 2 days WFH To 4 days WFO, 1 day WFH.

How can a normal employee go out for morning walk when you are supposed to sit and stare at the computer from 830am to 6pm? (even though COVID shows us that many of the works can be done from home. so irony…)

Expectation of high ranking bosses vs normal employees are different.

Conclusion…

Work is part of Life if you are the top flyer with high salary and has the full flexibility of time where as you can work when necessary. For such person, you will work forever and enjoy steady paycheck.

For normal employee, work is only small part of life, to earn that little money for yourself and family to survive. Hence, people want work life balance, more work from home to account for better work life balance/flexible schedule since it has proven that it works during the COVID time.

If money is not a concern, people sure quit and fight for Financial Freedom so that can take back their time. To them, work is only small part of time.

Enough of talking, what’s your view?

Live in Present is not easy

Posted on by careyourpresent

Many of us would have heard of this quote from Dalai Lama

Man! Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health. And then he is so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies having never really lived.

But is living in present really easy?

Perhaps it was easy in the past, but not today.

Today

In today world, there are overloaded amount of information. People have many needs, wants as well as worries of the future.

There can be people with millions in bank at age 30-50 but worrying if the money is enough for the future 40 years (assuming he is still alive for the next 40-50 years).

Hence, he keep on work and work for steady paycheck daily, grinding, spending time to earn money, instead of spending the precious time with this aging parents, growing up child during their most precious years. In the end he keep work and work for financial security, being so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies having never really lived. Then live with the greatest regrets on death bed such that he has millions in bank but missed out the great memories,

人在天堂，钱在银行。

But actually, You will likely never run out of money with 1 million: Expectation vs Reality

and do you know Do you know what will happen few hours after you die?

On the other hand…

There can be people with only few thousands saving in bank at age 30-50 but live in present, without worrying if the money is enough for the future 40 years (assuming he is still alive for the next 40-50 years).

He live in present, doesn’t worry about future, nor regret the past. Even if in future got no money, so be it, life will find it way…

Likely he has master the Most Powerful Way to Live in the Moment where he realized

You should never take the Gift of Life for Granted. No one is immortal and will be gone from the surface of Earth one day and that day may come sooner than one think.

OR

He just YOLO (you only live once) and ignore everything.

Don’t forget – Time is the ultimate currency, not money

So how do we balance?

How to strike a balance between having enough money for future while not neglecting the present moment?

Does Let it go work? Ultimately, Our Life only have 5 short Days – we should live the best for every day.

Share your thoughts in the comments please.

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

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 FSMOne 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.

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

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 (your strong health, time with young child) while busying striking out in career.

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.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

More articles can be found here.

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].

REITs can be part of your portfolio but not your entire portfolio

Posted on by careyourpresent

Many Singapore Investors love Real Estate Investment Trust (REITs)! Why? Because they are mandated to pay out at least 90% of their taxable income as dividends. As a result, one would have dividends (money) credited into their banks at quarterly basis or half yearly basis.

Hence, there are many “gurus” out there who ask their “followers”, “disciples” etc to buy REITs for their retirement so that especially when one retire, the REITs can provide the cash flow for daily expenses. If the cash flow exceeded your expenses, you can enjoy Financial Independent!

Reits are part of the reasons why many say Dividend Investing is Dangerous.

However, are REITs really that good? really that reliable as a source of regular cashflow income?

What are REITs?

A Real Estate Investment Trust is a company that owns, operates, or finances income-producing real estate across various sectors such as residential, commercial, industrial, or hospitality.

These trusts are publicly traded on major stock exchanges, making them accessible to individual investors, which otherwise is too hefy for retail investors who want to invest in property.

REITs are required by law to distribute at least 90% of their taxable income to shareholders in the form of dividends. The 90% income distribution requirement ensures a reliable income stream for income-seeking investors.

Singapore REITs

There are many different kind of REITs (retail, office, hospitality, logistics, industrial, data etc) in Singapore, you can look at the full list via the SGX website.

People love REITs, by owning REITs, it would implying own part of a property that give you rental income as dividends regularly.

The cool part is that you don’t need to worry about the maintenance of the properties, managing the tenants (as compared to buying and rent out a real physical property) as the REITs manager will do for you. Small upfront cost to purchase the shares of a REITs instead of huge down payment for a physical real property.

Don’t you love REITs now? Regular Dividends, low upfront cost, REITs manager manage the properties for you, one just need to shake leg and collect dividends? Great retirement investments!

The Truth

However, the real truth is often otherwise.

Payout Ratio, highly leveraged

Reits often paid up to 90% of their earnings, ultimately, this is mandated by the law and that’s what made REITs attractive right? However, this means that there is little to none retained earnings. Hence, what would REITs do?

Borrow from the banks or the Unitholders!

Additionally, do not forget that REITs are highly leveraged instruments. Gearing can be 30% to 50% (the limit by law is 50% now, previously was 40% if I didn’t remembered wrongly). This means that they need to pay lots of interest!

What are the current interest rates? Keep increasing!

What happened if the interest rates are increasing?

The REITs will need to pay more!

For those REITs that have borrowings who are due these two years and need to refinance, they would also need to borrow at a higher rate! This means less earnings and thus lower DPU (distribution per unit), which means less dividends for unit holders! Consequently, the price of the REITs would drop and result in capital loss for the investor!

Some REITs which cannot sustain to pay the borrowing costs, cannot refinance the properties, or if the valuation of the underlying properties drop etc. What will happen?

What has happened?

Look at what happen?

Look at the US REITs listed in Singapore you would know.

Or you look at even the famous Mapletree Industrial Trust? Drop from $3 to $2.2+

Big Things?

Dropping of DPU which results in lesser dividends are small thing for an Investor. At most take in less dividends and spend less eat cai png.

Capital loss is small thing for investor as they would argue that just collect dividend, ignore share prices and one day it will come back, especially interest rate cannot be so high for ever (how you know?)

SO what is the big thing?

What happen if the REITs unable to refinance, pay interest cost but still want to acquire properties etc?

Right Issues?

A rights issue is a method used by companies, including REITs, to raise capital by offering existing shareholders the opportunity to purchase additional shares at a predetermined price. This allows the REIT to secure additional funds without turning to external sources such as banks or private investors.

For REITs, rights issues are often employed to finance property acquisitions, reduce debt, or fund other growth strategies.

When a REIT decides to conduct a rights issue, it typically announces the terms and conditions, including the number of new shares offered for each existing share held and the subscription price. Existing shareholders are then given the right to subscribe to these new shares in proportion to their existing holdings.

Right Issues are good!

Many argue that right issues are good! Why?

Some will argue…

Because it give you chance to participate, increase your investment amount such that will give more returns in future especially for those yield accretive rights issue! This is especially true as you can get more units are cheaper prices which you will not be able to do so in the ever rising price of the REITs in the past years…

But what is it a bear market for REITs? What if the share price keep dropping? DPU keep dropping? Are you sinking more hard earned money into something not worthy? or are you increasing your future return by sinking in more capital?

Whether the rights issue are good for a specific REITs, we can put that aside first…but…

BUT….

Imagine you are a Retiree...that depends on dividends for your day to day expenses.

Would you be able to cough out additional cash for the REITs’ right issue?

Additionally, don’t forget the purpose of having REITs is to have passive income cash flow for your expenses according to “GURUs”?

Where is the steady dividends for your retirement that the “GURUS” have told you that you get for your retirement? (perhaps they can retire from your course fees paid but not you retire…haha!)

From another perspectives

I am not saying REITs are not good investment vehicles. In fact, they are good, provided you buy the correct one, plan your overall portfolio well!

Make sure…

You are aware of advance overall portfolio management!

Know what are REITs!

Aware that you can get rights issue anytime given that REITs are highly geared, sensitive to interest rates! Know your risk before investing!

Know yourself, know your own Financial Literacy

Know the 5 Evergreen Investment Principles!

Remember!

BUT Don’t put 100% in REITs. Spread your risk around.

Let’s say you only intend to have 30% REITs, 30% Netcash companies, 10% Growth Stock, 5% Crypto, the rest keep as cash/cash equivalents as opportunity funds etc…In this way, even if the REITs call for rights (which you have already expected and plan for it), then you will survive and prosper.

REMEMBER:

GOOD REITs can be part of your portfolio but not your entire portfolio

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

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 FSMOne 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.

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

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 (your strong health, time with young child) while busying striking out in career.

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.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

More articles can be found here.

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].

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

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 FSMOne 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.

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

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 (your strong health, time with young child) while busying striking out in career.

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.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

More articles can be found here.

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].

SSB for October is better?

Posted on by careyourpresent

The current month SSB 3.16% on average for next 10 years. If you refer to my last article (SSB – SBOCT23 GX23100T This month – 3.16%! Buy or bye?), I have mentioned that

I am more inclined for opportunities in market rather than SSB, since I have lots of SSB now. Additionally, short term rate in Money Market Funds, or high saving accounts like Esaver, CIMB FastSaver, OCBC360, UOBOne are already giving me 3.5% to 5% in the short term, which is much higher than the 3.05% of SSB. Current issue is only slightly higher, unless you have millions in SSB (which you can’t since the limit is 200k), the difference are not that big.

The purpose now is to lock in the 10 years decent rate but it seems like the high rate can last till 2024 and 2025 – great news indeed!

Additionally

It’s enticing to apply for this month SSB but I didn’t because it’s more attractive to buy equities instead in this current stage of market. The lagging effects of the interest rate is coming now. There is a possibility of correction coming.


In the same article, I have mentioned that

Next Month SSB

Ilovessb is quite accurate to project next month rate. The next month rate is definitely better with lots of chances to buy equities for more upside (of course downside too :).

https://www.ilovessb.com/projection/SBNOV23

My actions

See Yield Curve inverted for the longest time! What’s next?

I have made some recent purchases and will buy more if sales come! If sales didn’t come, I will add SSB instead.

Life is full of uncertainty, let’s see how it goes.

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

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 FSMOne 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.

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

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 (your strong health, time with young child) while busying striking out in career.

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.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

More articles can be found here.

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].

Yield Curve inverted for the longest time! What’s next?

Posted on by careyourpresent

Imagine for the longest time you stretch and stretch a rubber band, what happened eventually? Initially nothing will happened, the rubber band will be stretch and stretch until the pressure is too high and then snap!

Let me post a few charts.

2-year Treasury yield touches highest level since 2006 as Fed signals it’s not done hiking.

The Federal Reserve held interest rates steady, while also indicating it still expects one more hike before the end of the year and fewer cuts than previously indicated next year.

Those highly geared companies will suffer. Something will break. It is just when.

Volatility

Anyway, I did some trade yesterday to curb itchy hand. It’s for fast trade (trading around the core point 5). More volatility will come and chance to buy your equities.

Deal 1:

Interest rates are getting lower everywhere and there are usually many hoops to jump to get higher rate such as OCBC 360 and UOB ONE!
Consider Maribank, one of the fuss free and give you 1.28% daily without any conditions! Interest is credited daily!

Sign up for MariBank using my referral code: 2KGZ29UL.
https://www.maribank.sg/product/mari-savings-account/

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.

Deal 3:

Webull – Get free money!

Good deal! Do not miss this! Sign up here now for free money!!

Deal 4:

Trust Bank New Clients

Deal 5:

FSMone – Cheap Comms and can transfer your shares to Personal/Joint CDP for Free

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 FSMOne 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.

Deal 6:

Eskimo – Best Option for Roaming!

For now, you can get 500MB for free just by signing up with my referral link, no purchase required (I get 500MB only too, but only if you buy a paid plan). Referral code: CHING104915

You can read my review here.

Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.

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 (your strong health, time with young child) while busying striking out in career.

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.

Love your life daily. You have one less day with your spouse, parents, children and yourself. Time is ticking away.

Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.

More articles can be found here.

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].