As shared in my previous post on WeBull – Fund any amount deal is back! Free Money!, the promotional deal this month is marvelous! Simply sign up here and fund ANY amount (S$0.01 also can!), hold for 30 days and get US30-800 worth of free shares! 10 Free shares! (they have increased 2 more free shares since my last sharing!)
For readers who have been reading my posts for a while, I will not share things that I am not using or things that are not attractive to me personally.
The past WeBull signup welcome deals have not been very attractive to me; hence I have not been sharing about them (my last share was in May 2023). However, the coming deal is very attractive and is live now! Hence, I must share them now!
Note: Last day to apply is 28 September 2023, 15.59 Singapore Time! (7 days left only!)
Summarized Simple Steps!
Simply sign up here by 28 September 2023, 15.59 Singapore Time
Fund ANY amount (S$0.01 also can!) – get 5 free fractional shares (they added 2 bonus share!)
Maintain funds for 30 days! – get 5 free fractional shares
Unveiling the secrets to the Holy Grail of Financial Freedom! Are you ready to break free from financial constraints and pave your way to prosperity?
Discover the Holy Grail of Investment, where a mere few dollars can transform into millions! Imagine the thrill of turning a modest investment into a life-changing fortune. It’s the ultimate dream, and with our proven strategies, it can become your reality.
Imagine a life where financial worries are a distant memory. Our comprehensive approach to wealth management is your passport to financial bliss. Join our community of successful investors who have unlocked the Holy Grail to financial freedom. Take control of your destiny and embark on a journey towards a brighter, more prosperous future.
The Holy Grail of investment is not a myth; it’s a tangible reality within your grasp. By partnering with us, you’ll unlock the doors to opportunity, gain financial independence, and secure your legacy. Embrace the future with open arms and let us guide you towards a life of prosperity and abundance.
Whether you’re a seasoned investor or just starting your journey, our approach offers a beacon of hope for all. Join us in unlocking the secrets of wealth accumulation and start your journey towards the financial future you’ve always envisioned. Don’t miss out on this incredible opportunity – the Holy Grail of Investment awaits you!
The real secret to the Holy Grail is to
work hard, earn more, control expenses, save more, invest more in fundamental strong companies or simply buy the world index funds to get market return!
Don’t need to pay thousands of course fees to learn this!
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!
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
Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
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.
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
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.
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
After COVID, the flexibility work arrangement has definitely make many parents happier as they now can find some time to bring their kid to school and pick them them from school.
Their child (whose short time window where the parents are their only world only last for a short few years) will see their parent faces instead of their grandparents, helper or childcare/after school care teachers faces.
These precious moments will likely be gone as more and more employers are ask their employees to come back to office more.
Our own current work arrangements
Currently, both my wife and I are working. We are working 3 days from office and 2 days from home. Hence, we do rotational shift to pick my elder child (who end school at 1.30pm) on the days where we were working from home respectively.
We get to be physically around to bring him home, cook him lunch before heading back to work furiously on our laptops 2-3 times per week. Certain days of the weeks where the schedule couldn’t work out, we would take leaves to resolve the issue of who will be picking up the kid. It’s hectic, but we each get to have some time off to do some useful work, earn dual income to fight this every rising cost world, plus spend some meaningful time with the kid whenever possible.
Of course, we know that this is a privilege, not an entitlement, but the world trend is going this way. Since the government is also encouraging more involving parents and more child birth due to the world declining birth rate, this is a good progress for the world….however, we know that things won’t last…but didn’t know it came so soon…
An email just came…
An email came yesterday. It was announced to all employees of my company that we will need to shift back to 4 days in office and 1 day work from home from the current 3 days in office and 1 day from home. They given us few weeks to make the “necessary adjustment” if needed before they implement it.
Ok, now we have to make our choices / plans now or soon. I thought through the various options…
Choice 1
Many would ask us to send the kid to after school care.
Do you think this is possible after that child experienced not going to after school care since Covid time for the past few years? If we forcefully send him in, what if he hates us for life? On our end, likely we will also regret for life. Think further, this is analogous to your child send you to old folks while you don’t want to when you old. Is this option possible?
Furthermore, it means we moved back to the pre-COVID time for my younger kid who is in pre-school now. Currently she look forward for one of us to bring her to playground after her pre-school ends everyday. Pre-covid time where both my kids are in childcare, we picked them up at around 6.50pm (need 50-60 minutes to travel back after end work) after a long day of commuting and hardwork, do you think we still have energy to bring her to play?
Choice 2
Ask Grandparents to take care or hire helper.
Grandparents to take care is impossible. My mum passed away in Jan 2023 this year and my dad needs us to take care rather than the other way. How could we trouble him? In laws, impossible as stay far away.
Helper? We don’t want this option because it’s additional cost and do you want the kids to everything find your helper rather than you? I believe many can see this when you just go to shopping mall.
I guess it is time to Let it go! One of us take a career break for few years before come back to work. I don’t think should FIRE as it’s always good to engage in some form of work. We don’t want to regret on our death beds one day. We need to do some calculation and makes sure we are ready. Luckily we still have some investments income to tide us over this period. Some lower income family really don’t have a choice, they need both dual incomes for survival. Are we progressing or regressing as a society?
Well…one less employee for Singapore for a few years but a happier family on Earth for few more years.
Irony…
It’s irony, but now I fully understand why the birth rate is declining in Singapore or in the world, and why many prefer to be DINK (Dual Income with no Kids).
This is because for those with kids, either has to sacrifice their careers to stay home to take care of kids, or sacrifice family time with the child on the years which they need you most by outsourcing the childcare to other people (schools, helpers, grandparents etc)…
A balance is impossible even with the world growing trend of flexible working environment…hence, I guess people continue with DINK better. Dual income is better (for survival), especially in this inflationary, everyday rising cost country…save enough for retirement better rather than give birth to future generations that suffer in this every rising difficult costly world…
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!
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
Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
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.
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
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.
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
It’s has been a long while since I write article for the CAREYOURPRESENT series articles, I guess its good time to do so.
Please pardon me for using chinese words as my title but this title brings out what I wish to share.
I came across the line somewhere on the internet.
小时候，幸福很简单。长大了，简单很幸福。
To put in English
When I was a child, happiness was very simple. After I grow up, simple is happiness.
What does the above mean?
When we were young, simple things make us very happy. It can be playing with stone in the park, running around in the open spaces, breathing in nice air etc. Little food like small tibits from Mama shops makes them so happy.
We bought the above from HDB neighbour shop at $1 each, so total $2. We use it to shoot water at each other (me and my kids), and we were very happily for hours, with the sweet memories entrench into our minds forever.
小时候，幸福很简单。When I was a child, happiness was very simple.
However…
As we grow up, our wants grow as well. We want to drive big cars, live in big houses, eat nice atas restaurants etc.. How to we achieve this? Spent hours and hours in jobs that one don’t like (or if you are lucky, something you like or neutral about it) just to earn all these. What did you use to exchange for all these?
TIME!
The only commodity in this world that is reducing in every single moment from the time you are born. You can be born with a time billionaire, but you won’t know when is your last day. So, live life like it is your last everyday.
Happiness is no longer simple. Many needs complicated / expensive things to make them happy until one day…one will realise…
Simple is your happiness afterall.
长大了，简单很幸福。After I grow up, simple is happiness.
Ultimately…
We come this world with nothing and will leave with nothing, except the happy memories that you have obtained in your life. You cannot bring your millions / billions with you. But please make sure that you make your life worthwhile in every single seconds of your life.
来时空空，去时也空空。
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!
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
Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
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.
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
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.
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
It is still a long way to go till my target of $5,000 monthly. I am suffering from the so called “Cash Rot” syndrome where my cash and cash equivalents is still about 50% of my portfolio. As share in my update of my SSB post earlier,
This is the first time in history where there is an unprecedented increase in interest rates by FED within a short span of few months. There will be time lag effect for the hike in rate to affect the market – very likely the coming few months till early Q1 2024. We shall see.
I am hoping for the chance to deploy my cash. But luckily at least now my rotting cash is earning 3-5% every month (SSB, FSM, Treasury Bill, CIMB Fastsaver Promo, Esaver Promo, UOB One, OCBC 360 etc), as compared to the past year period of low interest rate. That period is really the cash rotting period where the interest in bank is so low!
The Change in my Investing Philosophy
I am old already, I want stability and safety in my portfolio. Always manage risk first and make sure I can sleep well.
I didn’t appreciate this when I was younger – I still remembered that I have followed the great broker to buy Healthway last time when I first started investing a decade ago and lost at least 5 digits! I also buy penny stocks, chart here chart there to trade etc.
Nowadays, I simply go for dividend investing in strong companies, index investing in world index and a very small amount in Crypto (because I believe in the potential of Crypto). This is to ensure that I sleep well and use the time in market to my benefit. Ultimately as Warren Buffett has said it
“The stock market is a device for transferring money from the impatient to the patient.”
Be patient my friend.
Of course even if I could turn back the time and tell my young self (or the young people around nowadays) that slow and steady is the way, young people will not believe me and they will laugh at the oldie and say that we are scared of risks, lousy, stupid etc. They are young and believe that they can take risk and grow! Well that’s true too, but better not risk too much till they lose all their strong starting point savings!
House Update
I am moving house finally in next year 2024 and will become debt free. After I sell my current flat, the proceeds should be able to cover the full cost of my new flat!
My BTO should be ready in next year Q1 or Q2 2024. Guess this new BTO place?
I took this photo that people shared in a group chat for my BTO.
To many, I am a low SES family. I have no car, live in poor shoebox 4 room HDB flat currently. My main transport BMW – Bus/Bicycle, MRT and Walk! I have no high flying career and is a just a normal person on street.
But, I choose to love my life daily, grow my wealth, treasure the real important thing is life (family, health, time etc). I don’t want to regret my life on death bed and just blindly pursue wealth.
Of course, it is undeniable that (money) is also an important part of to live a life that one want. Striking a balance is not easy and I am still learning.
Hence I write this blog to pen down my thoughts for myself/family as well as sharing my experiences with others. Hope this blog has inspired or help you in one way or another. It is not easy to find time to continuously to write blog amidst so many things in life, but I must continue!
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!
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
Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
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.
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
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.
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
