In today’s fast-paced world filled with endless responsibilities, social media notifications, and perpetual multitasking, truly living in the moment often feels elusive. Yet, focusing on the present—the here and now—is fundamental to achieving peace of mind and a sense of fulfillment. CareYourPresent is more than a concept; it’s a guiding principle encouraging mindfulness and purposeful living.
REMIND YOURSELF on the followings!
Understanding the Present Moment
To live in the moment, or practice mindfulness, is to be fully engaged in your current experience without distractions or judgment. It involves:
Awareness: Observing your thoughts, emotions, and environment.
Acceptance: Embracing the present without resistance or attachment.
Participation: Fully immersing yourself in what you’re doing right now, rather than lingering on the past or worrying about the future.
This approach promotes numerous benefits, from reducing stress to enriching relationships and fostering a greater appreciation for life’s everyday beauty.
Why Focusing on the Now Matters
The present is the only time you truly have. The past exists as a memory, and the future is merely a possibility. By focusing on the present, you can:
Support Mental Wellness: Mindfulness helps alleviate anxiety and depression by interrupting cycles of negative thought patterns.
Build Stronger Connections: Being fully engaged with others enhances trust and understanding.
Enhance Productivity: Concentrating on one task at a time leads to better efficiency and creativity.
Cultivate Gratitude: Awareness of the present moment fosters an appreciation for what you have.
Practical Ways to CareYourPresent
Nurturing your connection to the present moment takes deliberate effort. Here are steps to make mindfulness part of your daily routine:
Start the Day Mindfully: Begin your morning with a few deep breaths and a positive intention.
Practice Gratitude: Reflect on what you’re thankful for, whether it’s a good meal, a kind gesture, or the sunrise.
Minimize Distractions: Dedicate specific times to be free from technology and focus on meaningful activities.
Engage Your Senses: Tune into what you see, hear, smell, taste, and feel to ground yourself in the moment.
Focus on Your Breath: When overwhelmed, take a few slow breaths to recenter yourself.
Reflect Each Evening: Spend a few minutes reviewing moments where you were present and consider ways to improve.
Navigating the Challenges
Living in the now isn’t always easy. Modern life often pulls attention in multiple directions. However, even small, consistent steps can make a big difference. When your mind wanders, gently guide it back to the present without frustration. Over time, this practice becomes more natural.
A Lasting Mindset
CareYourPresent is an invitation to experience life as it unfolds. By valuing the present, ordinary moments can transform into meaningful ones. As Lao Tzu wisely said, “If you are depressed, you are living in the past. If you are anxious, you are living in the future. If you are at peace, you are living in the present.”
Take a moment now to pause, breathe, and ask yourself: How can I honor this very moment? The answer might surprise you.
024 is record dividends for me! Cashflow of $4.8k per month, much more than my household expenses, FIRE!
Dividends are payments made by a company to its shareholders as a way of sharing its profits. When you own stock in a company, you are essentially a part-owner, and dividends are your share of the company’s earnings.
Why Dividends Matter:
They provide a steady source of passive income.
Reinvesting dividends can compound returns over time.
Dividends can act as a signal of a company’s financial health and stability.
Many people like to only see nice things. I shall post nice things for investment – Dividends! This is especially true for those who want to FIRE – Financial Independent Retire Early! Passive Dividend Income Cash > Expenses.
Huat with lots of dividends! I can FIRE, so can you?
Does the above looks nice? Increased in record cashflow for 2024?
Unlock Financial Freedom with Dividend Investing
💰 Imagine this: Your investments pay you every month—enough to cover your bills, your hobbies, and your dream lifestyle. That’s the power of dividend investing, and it’s your gateway to financial independence and early retirement!
🔥 Why keep trading time for money when your money can work harder for you?
📈 In our Dividend Investing Masterclass, you’ll learn:
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COME and JOIN my course, you can email me at [email protected] to sign up! Counting down, few position left for signup only!
I don’t need to show impressive things to sell courses, earn commissions, the above course is fake! I Don’t sell any course!
If I count my total return for last year, it is of low single digit only! (REITs are the culprits, haha)!
Do you still believe in what those GURUs show you to impress you before you sign up for their course? If there are so GURUs in the first place and can earn so much in their investments, why do they sell you course and charge you a fee? Might as well they spent more time to grow their own investments? Or perhaps one may argue that they are altruism, want to share their knowledge to the world, why do they still charge 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!
Telegram Group (Chat with me and other like minded people!)
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!
My mum passed away in Jan 2023. Time really flies. It has been 2 years. Life is really short and recently I am busying with many things in life where I couldn’t really have time to stop and take check in life.
And suddenly I will be 42 years old soon. My kids were babies, felt like they were just borned, suddenly one is in Primary One another one in Primary Four.
Life really files. The days are long but the years are short. One idea suddenly struck me to estimate how much time I am left with assuming I am lucky using ChatGPT.
Less than 5 digits of days left IF I AM lucky.
I URGE reader to go count too then you will only realised how short life is.
I haven’t been blogging much this year as I am busying selling my old flat and buying new flat. Both are HDB flats, and yes, I didn’t succumb to the CONDO dream of Singaporean.
On 22 Nov 2024 (Friday), I have officially moved into my new flat in Tengah and officially sold my old flat on 1 Nov 2024 (Friday).
The renovation really cost a bomb to me ~ about $45k excluding furnishing. If all in, maybe around $50k for this year!
I have also done lots of online shopping via shopee and tabo and I thought I should share these good buy with my readers. Unconsciously, I have become Platinum member of shopee. LOL!
And finally on 22 Nov 2024, I have declared myself debt free. Likely I won’t shift again, shift house is too troublesome, unpacking, packing and renovation. Headache!
This is likely the last home until my last day on Earth.
Generally my health has been good for the past few months. However, I can feel that I am getting old.
Starting to grow white moustaches, likely no white hair year. I used to have lots of energy but my energy level is getting lower. Easier to get tired but yet couldn’t sleep much. I can sleep at 1-2am but still work up at 6am plus, latest 7am in the morning. Sign of oldness…
Family
It’s been close to 2 years since my Mum passing on Jan 2023. My dad health is not getting well too. He got cancer previously and recovered, but now the cancer markers are getting higher and just went back for a scan. Hope for the best.
I tend to forget that I am 41 years old this year. If I am lucky, I still have slightly less than half of my life time till 80 years old. If not, I have already lived and left with less than half of my life.
But I always find myself hard to slow down. It’s in my character. If slow too down, but I dont know what I can do and feel bored. But is this really the life that I want?
On 26 July 2024 this year, I did a reflection. Let’s see how I fare today 19 Dec 2024.
Wealth
If we talks about the traditional initial withdrawal rate for my family spendings, it’s 3.11% (exclude CPF). If we talk about cashflow from interest and dividends, its about 1.3x of spendings or 0.98x if we assume 30% cut in interests and dividends (excluding CPF which already hit both FRS in SA and max MA for both my spouse and I, with about 120k in CPF OA in total, house fully paid).
Shall I slow down and relax to catch the last few precious years where my kids really need me?
From https://x.com/khemaridhFrom some internet page.
Deal 1:
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Many people I realised that they have only shared things that give them the most commissions. I am different. I will only share things that I have bought, used and found it to be good.
Deal 3:
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Money just buy you the chance of freedom but can’t buy back time. In life, there is no reset button. Time is limited but money is not.
When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.
Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?
We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.
We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.
Love your life daily.You have one less day with your spouse, parents, children and yourself.Time is ticking away.
Focusing Careyourpresent & living a fulfilling life by supercharging your mind & investment/online income. Careyourpresent Series focus on things that one MUST know in their Life.
For those who are interested in regular updates of my articles, please join the others to sign up for my free newsletter to has my newest blogposts sent to your mailbox for free!
For real time exclusive updates on market news/life (especially Crypto markets where the news move fast, important news will be shared directly via tweets or telegrams), do also join the platforms below and engage with other like-minded people!
Telegram Group (Chat with me and other like minded people!)
Well, life of a minion is what many people live everyday. Today is more interesting. It been many years since this happen again.
Just in case you are not aware:
No MRT services between Boon Lay and Queenstown stations for at least the rest of the day: LTA
From 5pm, SMRT will run a separate shuttle train service between Buona Vista and Queenstown MRT stations, and also between Jurong East and Boon Lay stations, at intervals of 10 minutes.
Ever had the pleasure of riding a packed MRT train during rush hour? It’s like starring in your very own episode of “Sardines in a Can.” The moment those train doors slide open, you see the herd inside, already pressed together like human Tetris, yet somehow you think, “Yeah, I can fit in there!” And in you go, defying the laws of physics, with just enough room to hold your breath but not your dignity. Strangers become your best friends as you bond over shared sweat and accidental elbow jabs. At that moment, personal space isn’t just a luxury—it’s a distant memory, like your last nap or any hope of sitting down!
Interest Rate Cut on the Horizon…what’s next? This must be in the mind of many investors, especially for those into sensitive to rate instruments, such as S-REITS.
Before the actual rate cut in the next few days, SREITs are up by more than 10% for the past few weeks. Congrats to fellow investors! I think my portfolio at least up by 50k or more.
Rates are already down
Before official rate cut announced by Fed, the rates are starting to come down. One can see from the Fixed deposits offered by banks, SSB coming down, treasury yield coming down etc…
I have already locked 400k worth (together with spouse) in SSB as emergency fund… guess just collect 1k per month worth of cash for the next 10 years at average rate of 3+%.
So what’s next?
For me I will have investible cash, waiting for pound on next opportunities. Meanwhile just keep calm and enjoyed the harvests that I have planted for the past few months/years.
Let’s ask AI
This is the question that I have input “Interest rate cut on the horizon. what is next?”
When central banks cut interest rates, it’s typically a response to slowing economic growth or low inflation, with the aim of stimulating the economy. The implications of an interest rate cut can unfold in various ways:
Lower Borrowing Costs: Consumers and businesses benefit from reduced borrowing costs. Loans, mortgages, and credit often become cheaper, encouraging spending and investment. This can stimulate economic growth in areas such as housing, business expansion, and consumer spending.
Weaker Currency: Interest rate cuts often lead to a weaker domestic currency, as lower rates make a country’s assets less attractive to foreign investors. A weaker currency can boost exports by making them more competitive internationally, but it can also lead to higher import costs and inflation.
Stock Market Boost: Equities tend to rise in response to rate cuts because companies can finance growth more cheaply, and investors often move out of low-yielding bonds and into stocks. This can create short-term stock market rallies.
Bond Market Response: Bond prices typically rise as interest rates fall, since the existing bonds with higher interest rates become more attractive. However, future bond issuances may offer lower yields.
Real Estate Market Surge: Lower interest rates can fuel the housing market by making mortgages more affordable. This can lead to increased home sales and higher property values, although it can also increase housing affordability challenges in already hot markets.
Inflation Risk: Prolonged low interest rates can lead to inflationary pressures if demand overheats. Central banks need to balance between stimulating growth and keeping inflation in check.
Savings Impact: Lower interest rates tend to reduce returns on savings and fixed-income investments, which may affect savers, particularly retirees relying on interest income.
Next steps will depend on how the economy responds:
Further cuts or unconventional measures: If the rate cut isn’t enough to spur growth, central banks could signal more cuts or even deploy unconventional tools like quantitative easing (buying bonds to inject liquidity).
Monitoring inflation and growth data: Central banks will closely monitor economic indicators to decide if more action is necessary.
Market and investor reaction: Investors may adjust portfolios, shifting from bonds to stocks or real assets like commodities, depending on the perceived future economic conditions.
Hi AI
AI are getting more powerful each day. Maybe one day we will have Ultron taking over the world. Who know? So what do you think will happen next after rate cut?
Most importantly, what is your plan now?
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!
Telegram Group (Chat with me and other like minded people!)
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!
