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Author: careyourpresent

Should I purchase the upcoming Treasury Bill?

Posted on by careyourpresent

Question

Should I be purchasing the upcoming Treasury Bill? This is a question that quite a number of people asking me.

How does MAS Treasury Bill works?

This means what when you apply for 12k for a 6-month T-Bills (for example) and successfully auction and get 10k at 4% yield. On the refund day, you will get back 2000 + 10000*182/365*0.04 = 2000 + 199.45= 2199.45 (assuming 6 month is 182 days). At the end of 6 months (182 days), you will get back your $10k.

For those who are unaware how this work, Treasury Bill is issued by the Singapore Government on a regular basis. From the main website itself, they are short-term Singapore Government Securities (SGS) issued at a discount to their face value. Investors receive the full face value at maturity. The Government issues 6-month and 1-year T-bills.

Upcoming MAS Treasury Bill

The upcoming treasury bill is open now with auction date on 8 Dec 2022. If I look at the past statistics, I will estimate the yield to be 3.5% to max 4.0% (quite likely my guess will be 3.6%).

Source:

Should I purchase the upcoming Treasury Bill?

To answer this question, my answer will be no if you have more than 10k to invest.

This because there are a lot more better options available.

Other better options

For 10k, I can simply put into CIMB FD which give 3.95% for 10k for 6 months. I can also put into more liquid accounts such as UOB ONE that can easily go to 5% with $500 spend and salary credit OR OCBC 360 which can go easily to 4.05% with just salary credit and save bonus. All these options provide higher yield with better liquidity.

https://www.cimb.com.sg/en/personal/banking-with-us/accounts/fixed-deposit/cimb-sgd-fixed-deposit-account.html

Other options which include SSB that allowed you to lock 3% plus rate for 10 years. Or simply use Money Market Funds like Moneyowl Wisesaver, which give 3.68% using Fullerton Professionally Managed Cash Solution by Fullerton Fund Management (Temasek-Owned). Low return high return!

You can use my referral link to get free $20-$60 Grab Vouchers when you invest with them. Moreover, there is a promotion until 31 Dec 2022 now where you can get $20 worth of WiseSaver units by 31 January 2023.

https://www.moneyowl.com.sg/wisesaver
https://www.moneyowl.com.sg/promotions/wisesaver-2022-promotion/

Why waste time and take the extract effort to ballot?

Conclusion

Hope this article make your choice easier. Take care and see you next time!

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 🙂

Careyourpresent: Time is the most important

Posted on by careyourpresent

Time is the most important

I always advocate the most important gift that one can ever give to their loved one – be it family or child or parent is time. This is something which we always don’t have, especially that when we are busy working or busy with some other things that are actually not so important at this point of your life.

A reminder from my Child Today

Today around 10pm while we were playing in the living room. He suddenly played this song and ask me to listen.

After listening to this, I am stunned with some tears drop out. I know what he meant, I was too busy working and totally ignore him for despite he got things to share with me.

Even if you work from home, can you fully dedicate to give undivided attention and time to your child/spouse/loved one? I can’t.

Then my younger girl suddenly played another song and ask me to listen too. She is telling me the same thing.

To all who have the same problem as me

They are only young once. If you missed it, it will be gone forever. They are telling me that they want my time and attention instead of money to buy things for them.

Example, your child 4 year, 10 days old only happen 1 day.

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 🙂

FIRE (Financial Independent Retire Early) but still working!

Posted on by careyourpresent

I take inspiration to write this article from the recent posts of sg finance bloggers who goes back to work despite FIRE. Few examples,

Christ from Tree of Prosperity despite FIRE (Financial Independent, Retire Early) very early (likely with huge buffers) shared in his recent post that he went back to legal work.

Happyreitinvestor FIRE but he went on to explore real-estate business.

Financial Independent, Retire Early

When people talk about financial independence and early retirement, they usually focus on the benefits of having more free time in your life. While this is true, it’s not the only benefit that comes with achieving financial independence. It also gives you the freedom to choose how you want to live your life without having to worry about money as much as before you achieved it.

Financial independence gives you the freedom to choose how you want to live your life without having to worry about money as much as before you achieved it.

Financial independence gives you the freedom to choose how you want to live your life without having to worry about money as much as before you achieved it. When you are financially independent, you can do whatever you want with your time. Some of the things that people choose to do include:

  • Spending more time with family and friends
  • Traveling more
  • Spending more time on hobbies and interests

Achieving financial independence at an early age gives people more time to pursue hobbies, volunteer, or find other meaningful work in retirement.

Financial independence is a choice, and one that many people make to pursue their interests and passions. Achieving financial independence at an early age gives people more time to pursue hobbies, volunteer, or find other meaningful work in retirement. Financial independence makes pursuing those interests less of a burden because there’s no longer the need to work just for the sake of paying bills or having money coming in each month.

Financial independence is also beneficial because it allows you to take advantage of opportunities when they arise without worrying about how much they pay you or whether they could jeopardize your financial freedom. An opportunity may come along that would allow you to travel around the world—and if something like this presents itself now that you don’t have full-time employment obligations then taking it might be ideal for your own happiness as well as future earnings potential (because working abroad increases skill set).

The main reason people say they don’t want to be retired is because they would be bored.

There are a lot of people who say they don’t want to retire because they would be bored. I know that feeling all too well. Boredom is one of the biggest reasons why people don’t like their jobs, but we can be bored at home as well. The difference is that at home we have the time and space to think about what’s missing from our lives, whereas work often fills up our schedules so much that it leaves no room for self-reflection or reflection on life goals and aspirations.

So what can you do? You need something new, something different – and perhaps even challenging! Just as you wouldn’t want your kids (if you have children) sitting around watching TV all day long instead of going outside playing sports or learning how to play an instrument, you shouldn’t let yourself get bored either! Here are some ideas:

  • Join a book club
  • Make more friends
  • Take up photography (or any other hobby)
  • Learn how to cook new foods or make better versions of your favorite dishes
  • Spend more time with family

Your brain benefits from engaging in challenging activities.

Your brain benefits from engaging in challenging activities. The human brain is designed to learn, solve problems, and grow. It is like a muscle that needs exercise to stay healthy and active. When you challenge your mind with new tasks and activities, it strengthens itself for future tasks.

When you are working on a project that requires creativity or problem solving, your brain releases dopamine which is the same chemical released when you eat chocolate or have sex! This makes us feel good about accomplishing something difficult; it’s how we know we are doing something right!

Working after reaching financial independence is a choice that allows you to continue earning income without worrying about how much you need to make to retire comfortably.

Financially independent and still working? I’m glad you asked!

Working after reaching financial independence is a choice that allows you to continue earning income without worrying about how much you need to make to retire comfortably. It doesn’t mean your retirement goals have changed or that your plan has shifted, but it can be an enjoyable way to feel productive and give back at the same time.

This may also mean stay connected with society—and help others in the society by giving back through contributing to the workforce. Of course, some FIRE but still has some innate worry about not enough money due to sudden expected condition etc…

Mental challenges help keep the brain sharp and stay alert.

As you can see, being financially independent is not a bad thing. In fact, it’s quite the opposite. Being financially independent allows you to experience many more opportunities that you may have missed out on in the past. Not only will you be able to travel and learn more about yourself, but your brain will also stay sharp and alert as well! The key is to challenge yourself mentally by doing things such as reading books or going on adventures.

Freedom

It’s important to remember that financial independence doesn’t mean you have to stop working. Instead, it gives you the freedom to choose how much time and money you want to spend on your career. This is especially true if you’re just starting out in life or want more time for family members and friends before retiring.

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 🙂

Market is showing sign of weaknesses or strength NOW

Posted on by careyourpresent

What’s Now?

This is a short post to provide market update and my view. Is the Market is showing sign of weaknesses or strength NOW? Reit/Stocks/Crypto lovers time to buy buy buy?

Market update

The market has a huge one day jump last week before starting to show sign of weaknesses whereas 10 years US treasury yields have been dropping until 3.5% from 4.2% previously. The US market opens with red but closes flat on Friday.

https://www.cnbc.com/markets/
https://www.cnbc.com/quotes/US10Y?qfsearchterm=

The big one-day jump is because Powell said:

FED SAID

The one-day jump is because the market think that Fed had pivoted. This is summary of what Powell said on Wednesday:

  • Smaller interest rate increases are likely ahead.
  • This could start in December.
  • Monetary policy likely to stay restrictive for some time until real signs of progress emerge on inflation.
  • We will stay the course until the job is done.
https://www.cnbc.com/2022/11/30/fed-chair-jerome-powell-says-smaller-rate-hikes-could-come-in-december.html

My Perspective – Market is showing sign of weaknesses again

Do you really think that the Fed pivoted? Think again? Is the interest rate lower now? Will it still rise again or will decrease? Does rise slower mean rate is low, inflation is curbed? With higher interest rate means cost of funding is high, businesses/economies will suffer. Some overleveraged companies might collapse. Let’s wait and see.

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 🙂

Singapore Saving Bonds – This month SBJAN23 GX23010Z is out! 1st year 2.95%, 10-year average 3.26%! Buy Buy Buy or ignore?

Posted on by careyourpresent

BJAN23 GX23010Z

The rate is out – it’s not bad 3.26% for 10 years. Although it is lower than last month, but 3.26% for 10 years are not bad! Higher than OA but lower than SA!

Other alternative?

Of course, if you look at Fixed deposit rate (example, CIMB give 3.95% for 6 months), it’s a sure lose in the short term, but good for longer term as we don’t know how long the high interest rate will last! But best option now is UOB where you get 5% if you fulfill salary credit and $500 spending (most people will hit this!) Hence ultimately, it depends on your objective.

Application Details

The amount offered is S$900.0 million as compared to S$1000.0 million, perhaps MAS expects less people to apply?

For those interested, these are the application timeline:

  1. Opening Date: 01 Dec 2022, 6pm
  2. Closing Date: 27 Dec 2022, 9pm
  3. Allotment: 28 Dec 2022, after 3pm
  4. Issuance: 03 Jan 2023 (by end of day)

What’s my plan? SSB Ladder Bonds!

For me I will redeem my June 2022 SSB which give me 1.69% for the 1st year and apply for this issue. In this way I will still have my SSB ladder bonds that I have painfully built up! The rest I will leave in UOB ONE, OCBC 360, CIMB Fast Saver etc. I have shared more about this last night. You may wish to check out this post! (Why buy equities when saving accounts give 5% or more?)

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 🙂