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Author: careyourpresent

Cryptocurrency Airdrop, AKA, Free Money! and some Updates

Posted on by careyourpresent

Cryptocurrency

It has been a while since I blogged about Cryptocurrency. Recently the market is all about interest rates, liquidity. Believe it or not, it’s always the liquidity that drives the market. Regardless of how much a crypto coin is or a share is, if there is no liquidity in the market, price will not rise in the shorter to mid-term (of course, it will still rise in long term, decades, if the fundamentals are good and with consistency improvement such as my favorite Ethereum, MSFT, Googl etc).

Back to Cryptocurrency, my last more interesting post is about airdrop.

Read: Arbitrum Airdrop – free money! What other airdrops that will give you free money next?

What are Airdrops?

(Copied a paragraph from my last post for those who are not aware of what is an airdrop.)

For those who are unaware, cryptocurrency airdrops are events in which you receive coins without having to pay for them. The tokens are usually sent to your cryptocurrency wallet, and it’s typically possible to receive such tokens if you have an existing cryptocurrency wallet or if you register for one.

An airdrop is the distribution of tokens or coins by a blockchain project to holders of another cryptocurrency. It is done to increase the awareness of a new blockchain project and encourage adoption, as well as create an incentive for users to use the new blockchain project.

Busyness in Life

Honestly, I was quite busy in these months with work and with my family. What am I busy with?

Work

Perhaps it’s timely to share this now.

Originally, I have left my job and gave notice in early part of the year. I wanted to focus more of real life living (or other would put it as mid-life crisis to find oneself). However, as my company still can’t find replacement after few months, and after some chit chatting with my boss, I continued with my job with the understanding of more flexibility in my work schedule. Sadly, someone else left instead and the remaining behind has to share the loads. Hence, in the end I became busier at work instead 🙁 I am planning for the next exit point. We shall see.

Life

I went holidays with my family to take a break from the busy life. I also took the time to relax my brain and think more about life, learning how to control emotions better.

Read: The Best Advice to Parents and Child

Read: Embracing the Transience: Life Is Short

Read: Trust Card – Excellent Card for overseas usage

Read: How to Let Go of Busyness in Life

Read: What if Later never come?

Cryptocurrency Airdrop

Back to Cryptocurrency, I have to honestly admit that one needs to follow closely with the Crypto Market in order to keep up with the ever changing, daily/weekly/every second, updates about Cryptocurrency. However, I don’t have the time to do so. What did I do then?

I continue to DCA Ethereum at dip and farm Airdrop.

Airdrop that I am farming mainly is Mask and Zksync (read more in this post on how I do it). Besides farming, one should know how to track their progress. One very good site given by one to the CT in Twitter is this site. How is my progress?

Picture speaks a thousand word (image below is generated by inputting my wallet address into the site given above):

Almost hitting my target of 100 transaction with 10k in volume. I shall work harder to hit 20k and then 200 interactions!

One may ask 10k in volume is actually not high given my portfolio size. (So far, I didn’t review my portfolio size, but from my past posts, if one is observant enough, can see that my portfolio is at least 1 million).

Frankly, for Crypto, I invested in lesser amounts nowadays and focus more on traditional dividend investing instead. If one is observant, one can see this from my regular twitter postings.

As mentioned earlier, Crypto one needs to spend lots of time to research get the latest updates in order to take advantage of the asymmetrical information in Crypto. However, time is something that I don’t have. Hence, I been reducing my investment side in Crypto and just focus on DCA Etherum and airdrop farming for Crypto. Then I became more focus in Dividend investing and thought to share my experiences more on this recently.

Read: Recent Trades: Taking advantage of the Volatility of Mr Market

Read: Mastering Dividend Investing: 5 Evergreen Investment Principles

That’s all for the short post today.

I need to get back to work, spend time research investing, while not forgetting to think and live a real meaningful life. Remember, Life is the most important, not MONEY!

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 🙂

Unleashing Your Full Potential: The Art of Strategic Slacking

Posted on by careyourpresent

Art of Slacking

Slacking is an art, not a science. It’s a mental exercise while taking physical action. One should learn to Let It Go like Elsa and only focus on things that really matters to you (What will you bring with you on last day on Earth). It’s difficult but it is essential for your better mental well being.

It’s difficult to Slack

Since young, I don’t know how to slack. I feel bad not doing homework, not following instructions of teachers.

When working, I feel bad to take medical leave, or even my own leaves even I have finished all my work. I tend to go and check emails etc.

It’s difficult to slack but it is important to learn how to slack!

Photo by Jen P. on Unsplash

Work from Home Trend

However, the sad truth is, no matter even one work at late nights, weekends, there are still colleagues, bosses, employers that suspect that you are working hard enough. Given the recent trend of some days working from home, people always suspect if you are really working when one is working at home.

Sadly, they don’t see that if they give more flexibility for people to work from home, people are more willing to take some time from their nights/weekends to finish the work that is essential to finish by certain time as they can plan their time better.

Like some need to take some time to cook lunch example for kids and parents and as a result they can’t finish work, they would squeeze time elsewhere to complete it.

Conversely if employers want an employee to be in office all the time from 9 to 6, only their physical will be here but mind is not here. After 6pm, they will ignore you. Productivity sure drop.

Photo by Anthony Tran on Unsplash

Strategically Slacking

The world is full of advice on how to be more productive. However, I think that the most important skill you can develop as a student or professional is actually learning how to slack strategically.

Strategic slacking allows you to rest and relax while still keeping up with work, which means you’ll be more productive in the long run. The below will show you how to get started with strategic slacking so that you can feel less stress and more focused on what matters most in your life.

What is strategic slacking?

Strategic slacking is a way to be productive and relax at the same time. It’s about doing the work that matters most to you, not just being busy so people think you’re working hard.

Strategic slacking is all about taking time out of your day for what matters most: spending time with family or friends; learning something new; exercising; reading; cooking delicious food; going on adventures (both real-world ones and virtual ones), etc!

Strategic slacking is about doing the work that matters.

Strategic slacking is about doing the work that matters.

It’s not about doing nothing, wasting time or procrastinating. Strategic slacking allows you to stay focused on what’s important, while still giving yourself space to rest and recharge when needed.

Strategic Slackers know that sometimes, less is more.

When you’re a Strategic Slacker, you know that sometimes less is more.

The idea of “less is more” can be applied to everything from your wardrobe to how many hours you sleep each night (and even how much time you spend on Facebook). It’s about focus and prioritizing what matters most. As sayings go: “If I don’t have time to do it right, when will I have time to do it over?”

Strategic Slackers know that sometimes less is more because they’ve learned through experience that doing everything at once just leads to burnout; instead of being productive and getting things done, we end up spending all day fiddling around somewhere in between our tasks instead of actually finishing anything at all!

Strategic slacking means making time for what matters most to you.

Strategic slacking is about making time for what matters most to you, and it’s not just about being less busy. In fact, strategic slacking can help you be more productive by allowing you to focus on the tasks at hand without feeling overwhelmed by stress or anxiety.

The trick is knowing how much slack is enough so that we can get things done without feeling guilty about not working hard enough–or worse yet–feeling like we need another cup of coffee just so we don’t fall asleep at our desks!

You can use strategic slacking to be productive and relax at the same time.

You can use strategic slacking to be productive and relax at the same time.

When you’re working, it’s important to focus on what matters most. But when you need a break from work, make sure that your time off is spent in ways that will help you recharge and get back into the flow of things with more energy than before.

If possible, try taking breaks during times when your mind is naturally inclined toward relaxation–for example, if you tend to feel sleepy after lunch or dinner each day (but before bedtime), then consider scheduling some time then for strategic slacking instead of forcing yourself through an afternoon slump with coffee or energy drinks.

Or perhaps there’s an activity that always makes you feel relaxed: reading or listening to music could be perfect options if those things appeal most strongly when they’re done alone without any distractions around them!

Slacking can be good…if you do it strategically

Slacking is not always a bad thing. In fact, it can be a very good thing–if you do it strategically.

Slacking means relaxing and taking time off from your work to recharge yourself before returning to the task at hand with renewed energy. This is why many people take vacations: they want some time away from their regular routine so that when they get back home or wherever else they go, they’ll be able to focus more effectively on their job responsibilities and do more work in less time than if they hadn’t taken any breaks at all!

In addition to helping us achieve our personal goals of getting more done faster (which we’ll talk about later), slacking also has some surprising health benefits too!

Studies have shown that people who regularly relax tend live longer lives than those who don’t take breaks during long periods of intense concentration; this may sound counterintuitive but think about it… If all day every day were spent working furiously without stopping for food/sleep/fun activities then wouldn’t we eventually get burned out?

Wouldn’t our bodies break down under such extreme stress levels?

Of course, they would! But luckily there are ways around this problem: simply by taking 10-minute breaks throughout each day–even if just once per hour–we can help avoid these negative effects while also improving our mental state overall!

Strategic Slacking, a way of better life

In short, strategic slacking is about doing the work that matters most to you. If you’re looking for a way to get more done and relax at the same time, then this might be the right approach for you.

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 🙂

Cheapest and best way to trade Singapore Stocks with CDP

Posted on by careyourpresent

Many people love to trade Singapore Stocks and for the safety of your stocks, many would prefer to keep their shares in the Central Depository (Pte) Limited (CDP) instead of Custodian with the brokerages. However, the commissions are not cheap if you trade with traditional brokerages that are linked to your CDP. Hence, the most natural question that came to most people mind would be:

What would be the cheapest and best way to trade Singapore Stocks while still keeping your shares in CDP?

What is Central Depository (Pte) Limited (CDP)

The Central Depository (Pte) Limited (CDP) was established in 1987 and is a wholly owned subsidiary of SGX. CDP provides integrated clearing, settlement and depository services for a wide range of products in the Singapore Securities Market. In the realm of securities trading, the Central Depository (CDP) of Singapore plays a vital role in ensuring the smooth functioning, efficiency, and security of the market.

The Central Depository (CDP) serves as a trusted custodian and clearinghouse for securities traded on the Singapore Exchange. It acts as a central registry, holding and safeguarding securities such as stocks, bonds, and treasury bills, in an electronic form. Through its infrastructure, the CDP facilitates the settlement, transfer, and safekeeping of securities, providing investors with a reliable and efficient platform to buy, sell, and hold their investments.

How it work?

Before one can buy/sell any shares/bonds that listed through Singapore Exchange, investors need to open a personal CDP account or joint CDP account with someone.

If you buy/sell any Singapore shares through traditional brokerages (such as Poems, Lim & Tan, DBS Vickers, iOCBC etc that is link to your CDP accounts), the brokerages will become the middleman in the selling/buying process, but your shares would be transferred/stored via your personal/joint CDP. You can buy using brokerage A, store shares in CDP, then sell your shares using brokerage B.

This is something very unique in Singapore Context because overseas shares are stored via custodian accounts with the brokerages such as Interactive Brokers, Saxo, Moomoo, Webull etc. One can only buy/sell through the custodian brokerages that your shares are with.

CDP is something very unique in Singapore Context. For oversea shares, definitely, the shares will be stored with the custodian brokerages.

By right, these brokerages would provide separate account for the investor, segregated from the company’s accounts. Hence, in the unlikely scenario of any bankruptcy of the custodian brokerage, your shares would still be safe. However, in real life, it may or may not happened.

However, as a more conservative investor, most would prefer to store their shares via CDP. However, with new brokerages operating in Singapore, one has another option to opt and use these brokerages instead of through CDP.

Why so?

The main reason(s) would be the commissions.

If one use traditional brokerages, one would need to pay about $35 commissions for a trade of around S$1 to S$9000. Yes, you didn’t see wrongly, $1. Hence, minimally one would need to make each buy around $9k to make the commissions worth it.

With the new companies such a WellbullSG, Moomoo, Tiger on board, one can buy very little Singapore shares with little commissions, but what is the catch?

You will need to store your shares with the brokerages directly instead of CDP.

I am not sure about you, personally, I prefer to keep my shares that I want to keep very long term with CDP such that buy/sell the shares with any CDP link brokerages. However, I also want to have my cake and eat it too! Hence, what is the solution?

(Side note: For those who have read the above might have find this similar to an article that I have posted two weeks ago. I realized that the title of that article may not be SEO friendly according to feedback from some of the users but many users thought that these solutions are useful, hence I reposted this article with some edits.)

Solution – Cheap Commissions but keep your shares with CDP

There are two solutions that I am aware of.

Solution 1

Buy your shares with DBS Vickers Cash upfront account. Cheap comms to buy and the shares will be stored in your linked-CDP account after purchase. This is a very popular options with many investors! I used to use this method in my early years of investing, but I did not use this method now. Why?

As part of estate planning, I have moved all my equities to joint account with my spouse. My spouse is a total noob in shares buying/selling, brokerages, wills etc. Hence, I need to plan everything out well, especially I still have two young children. Although Will can cover personal account, one still need to apply for Grant of Probate upon demise, which would take some work. Hence, as far as possible, I try to keep, cash/shares etc in Joint account for the survival ownership clause (the surviving party will take the assets).

As a result, I can’t use Cash Upfront trading anymore as this is for individual account link to individual CDP. Furthermore, the trades are only applicable to Buy Trades.

Solution 2

I use FSMone Account.

Let me shameless do some promotion for my referral first in order to keep my current blog going (need to pay hosting and domain fees). For those are keen to apply FSMone account, can do so via my referral link in my referral page. Of course, there are also other interesting, good platforms that I am using, do consider sign up via my referral too.

Let me share more about FSMone account. What I did was to open up 4 accounts:

  • Account 1: I am the main holder.
  • Account 2: I am the main holder with my son as beneficiary.
  • Account 3: I am the main holder with my daughter as beneficiary.
  • Account 4: I am the main holder with my wife as beneficiary.

Key Things to note about FSMone Beneficiary Account

A Beneficiary Account in FSMOne.com is useful if you are planning a separate portfolio for another person. In the event that any one person in the beneficiary account passes away, the assets of the account will belong to the surviving person.

The main applicant (main account holder) of this beneficiary account must be above 18 years old. Please note that the main applicant is still the key operator of this account and the owner of the assets invested under this account as long as the main applicant is still alive. All correspondence will be notified to the main account holder.

In the event that the main applicant has passed away, the beneficiary holder (upon 18 years old) is required to bring the death certificate and his/her own IC to our office. We shall open a personal account for the beneficiary holder and then transfer all the holdings registered under the beneficiary account into the new account. Thereafter the beneficiary will have rights towards the holdings and he/she will be able to purchase, switch or liquidate. The beneficiary can decide to liquidate the funds if wishes to.

If the beneficiary is a minor (below 18 years old), then the surviving parent will automatically become the legal guardian. The legal guardian will be able to give instructions. If the beneficiary wants to keep the investments, then he/she has got to open a new account with existing parent as main applicant and minor as beneficiary and transfer the holdings from old account to the new one.

https://secure.fundsupermart.com/fsm/advice-services/faq/8660/
https://secure.fundsupermart.com/fsm/advice-services/faq/998/

With Above…

With the above, it totally suits my needs about estate planning. If anything were to happen to me, my wife just needs to do the simple thing below to access the assets!

Hence, I mainly used account 4 to trade the money from my wife and my money. For account 2 and 3, I keep their ang bao money in Autosweep (that earns 3.14%) while waiting for great chance for me to invest their money!

In the event that the main applicant has passed away, the beneficiary holder (upon 18 years old) is required to bring the death certificate and his/her own IC to our office. We shall open a personal account for the beneficiary holder and then transfer all the holdings registered under the beneficiary account into the new account. Thereafter the beneficiary will have rights towards the holdings and he/she will be able to purchase, switch or liquidate. The beneficiary can decide to liquidate the funds if wishes to.

If the beneficiary is a minor (below 18 years old), then the surviving parent will automatically become the legal guardian. The legal guardian will be able to give instructions. If the beneficiary wants to keep the investments, then he/she has got to open a new account with existing parent as main applicant and minor as beneficiary and transfer the holdings from old account to the new one.

CDP and FSMone

Back to the main topic of saving commissions while keeping shares in CDP, FSMone allowed the transfer of shares bought in FSMone to CDP for free!

Taking a step further, if we compared to the commissions to trade SGX listed shares, it cost about $35 to trade S$10k worth of shares with traditional brokerages that are linked to CDP whereas it cost only about S$15 to trade S$10k worth of shares with FSMone. That’s almost $20 differences! A restaurant meal! Don’t forget the additional benefit of estate planning.

Hence, for this account 4, usually I would use it to buy/sell shares for those that I plan to trade short term with cheap commissions, then regularly I would transfer those shares that I want to keep for longer term into CDP. The transfer process is fast and quick! I have done a couple of transfer before. Let me share the latest one!

On 17 Jun, I have sent in request to FSM to request the transfer of three shares – Boustead, MIT and Areit from FSM to CDP. The transfer is done on 21 June 2.41pm with the shares minus from my FSMone account and credited to CDP account.

Let me share more about the Transfer Process

Step 1: Fill up the transfer Form

To transfer out your stocks/ETFs to CDP, please complete FSMOne Security Transfer-In/Out Instruction (Cash) and send it to us via email.

https://secure.fundsupermart.com/fsm/advice-services/faq/2195/

How to fill the form:

There are some parts of the forms which I don’t know how to fill until I went to ask FSMone customer service. Since I have the information now, let me share it. See the screenshots below.

Take note of the Counterparty name and Contact No. / Email Address

This part of the form quite easy and just fill accordingly.

Step 2: Download your latest statement of Holdings in FSMone

Download and attach a copy of the latest statement of holdings (dated within 3 months) with this transfer form and follow step 3.

Step 3: Send to FSM and wait!

Email your transfer form (step 1) and latest statement (step 2) to [email protected].

After that just wait for the acknowledgement and the transfer to take places.

I have done the transfer at least 5 times, so far all of them took within a week with only 1 time that took about a month. That’s why FSMone normally will tell you take 1-2 weeks but usually it’s faster than that.

My email to FSM on 17 Jun 2023 02:01 am
FSM acknowledgement email on
Jun 17, 2023, 9:19 AM

Completion of transfer on 21 Jun 2023

The Secret Conclusion

I hope this article will be useful to you.

I have shared the method that I have used to purchase Singapore Shares –

Open beneficiary accounts with spouse and dependents such that estate planning is in place.

Put in the family allocated investment Cash into Autosweep while earning 3.14% interest and waiting for the best time to buy/sell.

Buy/Sell Singapore Shares using FSMone with cheap commissions of about S$15 for minimum S$10k worth of Shares. Sometimes I bought $20k worth, it’s only cost me S$18.

For Shares of other countries such as HK, I use FSMone too since estate planning is in placed.

For US/LSE/AUS shares, I use interactive brokers but I try to keep US shares within 60k because of Estate Tax.

For those Singapore Shares that I plan to keep long term, I would transfer them to CDP for free!

Thanks for reading!

How to Let Go of Busyness in Life

Posted on by careyourpresent

Most of us are used to or should I say forced to get used to busyness of life in this fast paced society/world.

Consciously or subconsciously, we always need to show ourselves as being busy. When you meet someone new or even when meet up with your friends, the first answer to the question of how your current well-being is always:

I am busy with Life/Work/Family etc.

(Ask yourself truthfully, are you guilty of this?)

Photo by mauro mora on Unsplash

BUSY BUSY BUSY

If one reply that I am relaxing my life, my work, living a slow life etc, one would be seen as an odd ball.

Photo by Victoria Tronina on Unsplash

Hence, as self-protection mechanism or should I say that under societal pressure, we learn and forced ourselves to become busy or at least show that we are busy consciously and subconsciously.

When your boss asks you how your work is, one would always say busy or challenging etc.

BUT you would never say I am free, enjoying the slow pace of work, thus good work life balance. One is scared that boss will load you with more work since you are so free OR think that you are underperforming at work.

Sinking deeper and deeper each day

SAD to say, as times goes by, many of us can’t distinguish between what “real busy” is versus “busyness shown to others as self-protection”. Slowly weekends and evenings where you are not working, you also start to pack yourselves with things, or worse still, keep thinking of unfinished non urgent work that could always be done later.

One could no longer live in the moment or enjoying the current moment.

WHAT IS THE FINAL RESULT?

EVER busyness with inability to relax oneself, unduly stress, unhappy in life and no longer really know how to enjoy life.

It’s difficult to break out of this especially with so much societal pressure of Busyness “showing that you are contributing to GDP of your country”.

Many people want to FIRE (Financial Independent, Retirement Early). But when the time comes to do so, those who really FIRE could be envy by others? OR worse being seen as non-contributing members of our fast-paced society. Then one might sink back to guilt mode of retiring early.

Photo by Andrew Neel on Unsplash

What should we do?

Frankly, I am guilty of the busyness syndrome too.

HENCE, what should we and what can we do? As I have said earlier, I am still learning too. Let me share some TIPS!

1. Accept that not being busy is ok. You don’t have to be busy all the time.

You don’t have to be busy all the time. You can be productive, successful and happy without being busy. You don’t need to constantly be doing something or working on something in order for your life to mean anything or have value.

Accepting this doesn’t mean that we should stop trying new things or giving our best effort at work/home/school etc., but instead it teaches us not only how important it is for ourselves but also others around us when we take time out of our day just so they know they matter too–even if it’s just talking over coffee or dinner together once a week instead of every other day like most people do nowadays due to their busy schedules (which leads into my next point).

2. Intentionally design your life.

It’s time to design your life. You can’t do this if you’re busy with the wrong things, so let go of those obligations that aren’t adding value to your life.

I understand that it may be difficult for some people to let go of busyness in their lives because they are afraid or unready for change. Some people will want to keep up with the same routine because they feel comfortable with it and don’t want anything else; but if this is where your heart is leading you, then listen closely!

3. Get your priorities straight.

The first step in letting go of busyness is to get your priorities straight. What are the things that matter most to you? What do they look like, feel like and sound like?

These are questions worth asking yourself regularly–and answering honestly. Your answer will help define what’s really important in life and how much time should be spent on each priority. It’ll also keep you from getting caught up in all of the distractions around us (like social media) or feeling guilty because we don’t seem able to check everything off our “to do” list every day. If a task falls outside of one of our top priorities, then it doesn’t need our attention right now!

4. Make a list of things you need to do, but don’t make a list of things you want to do.

  • Make a list of things you need to do, but don’t make a list of things you want to do.
  • Keep your focus on the present moment and what needs to be done in that moment.
  • Ask yourself if this task is really important and necessary at this time?

5. Stop trying to be perfect.

One of the easiest ways to let go of busyness is by focusing on what you can do, rather than what you can’t. When we try to be perfect, it usually ends up with us beating ourselves up over things that didn’t go as planned or weren’t exactly how we imagined them being. Instead of doing this, focus on all the things that are going well in your life!

If there is something that still needs improvement, make a plan for how to improve it and then move on with your day–don’t let yourself get stuck focusing on what didn’t work out perfectly (or even close). This isn’t only helpful when thinking about yourself–it’s also helpful when thinking about other people too!

For example: if someone else makes a mistake while they’re helping out around the house or with errands around town because they were busy getting everything done at once instead of taking time off between tasks…don’t get angry or frustrated because this person wasn’t perfect enough; instead think about how much better off everyone would’ve been if they had slowed down just enough so that everyone could enjoy themselves more often throughout each day instead of rushing through everything so quickly without enjoying any part along the way!

6. Focus on one project at a time.

Repeat after me:

  • Focus on one project at a time.
  • Don’t try to do too many things at once.
  • Don’t try to do everything at once.
  • Don’t try to do too much at once.

7. Take a break.

  • Take a break from your phone.
  • Take a break from your computer.
  • Take a break from work and family obligations, even if it’s just for an hour or two every day, so that you can focus on yourself and what makes you happy in life (not just the things that make other people happy).
  • Stop trying to do everything at once and be everywhere at once! It’s not possible anyway, so why try?

8. Don’t use the word “busy” as an excuse for not doing something you want to do, such as sitting down to read a book or going to the gym.

Busyness can be a form of procrastination. When we say we are too busy, what we often mean is that we do not want to do something or that it’s inconvenient for us at the moment. It’s important to recognize this so that you can stop using busyness as an excuse and start making time for the things you really care about.

If you’re feeling overwhelmed by your workload and obligations, here are some ways to shift your perspective:

  • Instead of thinking about being “too busy,” look at how much time per day or week goes into each activity on your schedule (including sleep). Can some things be combined or streamlined? Are there activities that could be cut altogether without affecting others’ lives significantly?
  • If there are certain things–like household chores–that aren’t really important but feel like they should be done anyway because they’ll help keep things running smoothly around the house, consider delegating them to someone else who has more free time than yourself (elderly relatives who live nearby would make great candidates).

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 🙂

Mastering Dividend Investing: 5 Evergreen Investment Principles

Posted on by careyourpresent

Welcome to the captivating world of dividend investing. Imagine an asset where your investments work tirelessly for you, generating cash flow even as you sleep. Dividend investing has gained reputation as a powerful strategy that offers the best of both worlds – capital appreciation and regular dividend payouts. It’s an enticing option for both seasoned investors and those new to the financial landscape.

Unlike other investment approaches that rely solely on market fluctuations, dividend investing focuses on companies that not only show strong growth potential but also share their profits directly with shareholders. These dividends, often paid out quarterly or annually, provide a steady stream of income that can be reinvested or enjoyed as extra earnings. This unique combination of stability, growth, and financial rewards makes dividend investing an attractive choice for those seeking long-term wealth building.

5 Evergreen Investment Principles

Let me share 5 timeless ever green investment principles for dividend investing.

(I have shared these before in my previous posts, but for new readers, let me share again with some edits).

1. No Dividend No Buy and only buy those that you are willing to keep long term of at least 10 years. Must pass sleep test.

Most people although calling themselves dividend investors, but they don’t really behave like a dividend investor. They buy/sell, buy/sell trade the dividend stocks/Reits instead of keeping for dividend. If the price crash, they would sell and cut loss.

You can see from the recent crash of the US Reits such Manulife US Reit, Keppel Pacific Oak US Reit, Prime US Reit – initially the investors sound so confidence, freehold assets, US assets etc., good rental income etc.. But see what happened now? Many of them cut loss after the price drop 50% or more.

If you have bought MIT at $2.80 instead of Manulife US Reit at $0.70, likely you won’t cut loss for MIT but will cut loss for Manulife, especially if you have put in an amount larger that you are comfortable with (see Rule 3 below).

Hence this first rule is very important. Please only buy reits/stocks that you are willing to keep at least 10 years, no speculation, no FOMO (Fear or Missing Out). Don’t listen to others. Have independent mind. Must pass sleep test.

Take for example, Development Bank of Singapore (DBS), Singapore Exchange (SGX), Mapletree Industrial Reit (MIT), Mapletree Logistic Reit (Mlog), Capitaland Ascendas Reit (Areit), Frasers Centre Point Trust (Trust), NikkoAM-STC Asia Reit (CFA) etc. No people will cut loss buying these, they will simply add more. Yes, the yield is low, but on long term basis, it is a 99% sure win. Remember Tortoise and Hare Story, Tortoise wins. Many people are enticed by high yield instead of the fundamental behind the companies which in the end lose their hard-earned money and cut loss when the shares drip in prices.

Just keep buy and collect dividend and reinvest for good stocks/reits. You will get this picture below.

2. GUTS (buy big) and PATIENCE (wait crash/dip) and dare to HOLD VERY LONG, think long term (10 years at least)

Most people are looking at short term. They should look at long term (10 years at least). If they did their shares selection well as per rule 1 above, the next step is to have patience and wait. When the time come, example 2020 March Covid Crash, Reits dip due to interest rates etc, they should be brave and buy! However, many don’t have the guts to buy when come. If even they have, they don’t dare to buy big. even if they dare to buy big, they don’t dare to hold. Additionally, people keep want to wait for lower price and then missed!

Are you behaving the same way as I have described above? I believe most are. Let me share a few rules that I have learnt:

  • Buy only dividend growth companies that I know Fundamental well so that I will not cut loss. Example, companies with yield >5% with net cash, low payout ratio, sustainable business. Or simply buy those big names that could rarely goes wrong in my rule 1 above.
  • Be patience. Do research while waiting.
  • Red buy, green sell. Similar to buy discounted groceries in supermarket.
  • Focus cashflow and certainty.
  • Few cents don’t matter. Can’t always buy at bottom price or sell at top price. Good price just dca buy and keep.
  • Better to put big sum (e.g. 100k) in good companies like MIT MLOG FLCT AREIT PLIFE DBS SGX etc for 10% than 10k in less strong stock for 10% gain.

3. Position size Important and no leverage

Position size important and possibility no leverage if you are not sure what you are doing. You can set for example 5% per counter, then you will have 20 counters. Chances of 20 good shares (if you have followed Rule 1 above) dying at the same time, not paying dividend at the same time is very very low.

This is especially true when portfolio get large, example 1 million and above. One should take less risk and do capital preservation. Why? 1 million at 6% already give you $5k per month (not difficult to get 6% yield with 2% cap gain every year). $5k per month is already a very good salary for most people.

However, people want haste and earn more. In the end, they lose more by putting too much in something which can’t let them sleep well. In the end they cut loss and lose money. Hence, only put the amount that you are comfortable with; that would enable you to sleep well.

4. No earn no sell especially for dividend stock. Keep long term, no stop loss policy because point 1 is followed.

This rule is contrary to what most people would do. No cut loss policy.

If you didn’t do any leverage/plan allocation well (Rule 3) and only buy good stocks that let you sleep well (Rule 1), there is no need for you to cut loss. (However, if fundamental changes, please cut loss unless you are confident of recovery).

Price drop, just hold and collect dividends as “painkillers”. Throughout the years, treat the dividend (or simply use the Trading around Core Strategy – Rule 5 below) to reduce the average cost of your shares. The worst case is stock goes to zero or in most case, your average cost will be reduced over time.

5. Trading around Core with only Good FA Dividend Reit/Stock

Of course, it is very hard to curb itchy hands. People feel that it is very hard to do nothing. You have to keep buy sell buy sell, especially if you keep seeing the shares of the companies that you are holding are going up and down every day. Hence what can we do? We can use Trading around Core Strategy.

This simply means that you allocate for example 100k to buy Share XXX for 5% yield. One can simply keep DCA down to keep and collect dividend (price goes down, dividend yield goes up). As long as the total amount of share XXX that you are holding doesn’t exceed your allocation (in this case 100k), you can do a trade buy/sell buy/sell 1-2 cents for profits to reduce your average cost.

For example, you plan to allocate 100k to Mapletree Logistics Trust (Mlog). Currently you are holding only 50k worth of Mlog. You can strategise and buy 10000 shares of Mlog at $1.58 and sell at $1.61. Every trade will win you few hundred dollars which you can treat it as lowering your average holding cost of the share. In the worst case, if the price drops below $1.58, it doesn’t matter too, you can just keep it and collect dividend. Do note that this only work if you follow Rule 3 (allocation) and Rule 1 – only applicable to those that you are willing to hold long term and passed your sleep test.

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 🙂

The Best Advice to Parents and Child

Posted on by careyourpresent

On 5th July 2023, I have gone on the 2nd movie date alone with my daughter. The movie that we watched this time greatly inspired me – The Elementals Movie. Go watch if you have not yet done so.

For those who feel that movie tickets are not cheap but is able to take leaves on weekdays, you can consider kiddo watch for free by Shaw Theatres. Basically, I have only paid $11 for two tickets!

Our first movie date was on 30 May 2023 for the movie on the Little Mermaid. Nothing much or inspiring about this mermaid movie as it is the usual mermaid movie. But this movie is free as I have paid using the eCapita Vouchers that I have earned from Rakuten Insights Survey! I have spent $10 using the same promotion! (Not why sure but $1 cheaper as compared to the 2nd movie, perhaps inflation?).

FROM the Elemental Movie, below are the things that I have learnt and I hope to share this to the world via my blog.

To Parents

  • Let your child grow in the way they innately want to be, not what you want them to be. Your dream of what you want them to be may not be your child’s real dream. Be open and listen to their true hearts/feelings/thinking.
  • One day, your child will leave you to pursue their dreams. Let them go happily when the day come. That day will come faster than you can ever imagine, in meantime treasure every second that you have with your child while you are still their entire world. You may have many things in your mind now (work, money, dream, stress, surf net on mobile phone etc), but there is only a very extremely short window where you are their entire world. One it is gone; no money can buy the time back.

To Child

  • Don’t be afraid to share your true feelings, your true wishes, your true needs, your true wants to your parents. Regardless whether you believe or not, your parents want you to be happy. They always try to do things that they think is the best for you but sadly, they may not know what you truly want. Tell them what you truly want before it is too late. The positive outcome / reactions from them may be surprising to you eventually.
  • One day, your parents will leave you. No matter what grudges / happiness / anger / dissatisfaction/ satisfaction you have, everything will be gone on that very day. That day could be the day where you leave them to pursue your dream, or it could be the day when they leave the surface of Earth. The day will come faster than you think (see: Farewell Mum. You are always in my mind). Do something now while you still can. It’s not easy to open up fully and talk to your parents especially if the relationship is not that friendly/open, but please try. Something tried is still better than too late.

She laid onto me to sleep when on our bus journey – too tired but enjoyed herself for the day.

When will be the last time where you will sit on my lap, hug me to sleep, watch a movie date with me? Although I know that the day will come one day, but I hope won’t be so soon. I am doing my best to treasure all the limited time we have while I am still your entire world.

Thank you for being the gift of my life.