careyourpresent

WORRYING will prevent things from happening

Posted on September 11, 2024September 11, 2024 by careyourpresent

Let’s be honest, are you worrying about all these now?

Financial Stability: Concerns about providing for the family, paying bills, and saving for the future.
Health of Family Members: Worries about the well-being of children, spouse, and elderly parents.
Children’s Education: Ensuring children receive a good education and have opportunities for the future.
Work-Life Balance: Balancing job responsibilities with family time and personal life.
Safety and Security: Keeping the family safe from accidents, crime, and other dangers.
Elderly Care: Managing the care and well-being of aging parents.
Future Uncertainties: Concerns about job security, economic stability, and global events.
Relationship Strains: Maintaining a healthy relationship with a spouse and managing family dynamics.
Personal Health: Worrying about one’s own health and ability to care for the family.
Social Pressures: Dealing with societal expectations and pressures related to parenting and family life.

Worrying Won’t Change the Outcome

In today’s fast-paced world, it’s easy to get caught up in worrying about the future.

Many of us think that by worrying, we can somehow stop bad things from happening. But honestly, that’s just not true.

Worrying doesn’t change outcomes; it only messes with your well-being. Let’s dive into why worrying is pointless and how you can shift your mindset to something more productive.

The Illusion of Control

Worrying often makes us feel like we have control. We think that by constantly stressing over potential problems, we can influence the outcome.

In reality, worrying is just mental noise that distracts us from taking meaningful action.

Remember, while we can control our actions and responses, we can’t control everything that happens around us.

The Cost of Worrying

Worrying takes a toll on both our mental and physical health. It can lead to anxiety, stress, and even physical symptoms like headaches and fatigue.

Over time, chronic worrying can weaken your immune system and make you more susceptible to illnesses.

Instead of wasting energy on worry, it’s more beneficial to focus on self-care and stress management techniques.

Shifting Your Mindset

Focus on What You Can Control: Identify the aspects of a situation that you can influence and take proactive steps to address them. This empowers you and reduces feelings of helplessness.
Practice Mindfulness: Mindfulness techniques, such as meditation and deep breathing, can help you stay present and reduce the tendency to worry about the future.
Set Aside Worry Time: Allocate a specific time each day to acknowledge your worries. This can prevent them from taking over your entire day and help you manage them more effectively.
Challenge Negative Thoughts: When you catch yourself worrying, ask yourself if the concern is realistic or if you’re blowing things out of proportion. Often, our worries are based on irrational fears rather than facts.

The Power of Positive Action

Instead of worrying, channel your energy into positive actions. Whether it’s planning, problem-solving, or simply taking care of yourself, these actions are far more productive. Remember, worrying won’t prevent things from happening, but taking action can help you navigate challenges more effectively.

Change your Mindset on worrying

Worrying is a natural response to uncertainty, but it’s important to recognize its limitations.

By shifting your focus from worry to action, you can improve your well-being and better handle whatever comes your way.

Remember, worrying won’t change the outcome, but your actions and mindset can make a significant difference.

Live in Present

As the Dalai Lama wisely observed:

“The Dalai Lama, when asked what surprised him most about humanity, answered ‘Man! Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health. And then he is so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies having never really lived.’”

This quote beautifully encapsulates why worrying is counterproductive. Let’s strive to live fully in the present, taking care of our health and well-being, and making the most of each moment.

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.

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!)
Telegram Channel (Get the latest updates on the markets/life!)
Twitter
Facebook
RSS Feed

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 🙂

Few Reflections

Posted on July 26, 2024July 26, 2024 by careyourpresent

I am 41 this year February 2024. If I am lucky, I would have already lived about half of my lifespan.

Time to take some time to reflect and remind myself.

There is no need to maximize your productivity for every single day, or second of time. Since young, we are taught live in this productivity maximizing society – must improve ourselves so that our market values are higher. Is there really a need do? Does it really matter truly to yourself or to your loved one? Or this actually cause unduly stress?
Time Freedom is more valuable than anything. Ultimately this is the ultimate currency.
Stop optimizing every single cents. There is no need to put every single cents of yours into every single high earning interest accounts if it caused you unduly stress.
There is a time limit of everything. Last time (about 1-2 years ago) I could run around and play with my kids every single day without feeling tiring. Nowadays I can’t, after a while tired and headache.
Leave the best time of your day to your best one, not the other way. At playground, I have seen many parents, including myself to try to spend our best energy and attention to play with our kids, but we can’t. We are tired, both physically and mentally after a day of working. We have spent the best time of each day to earn something call “fiat” that ultimately is created by human beings with higher powers and wealth.
The older I get, I realized that the less I need. When I was younger, I want a car, I nice condo, travel, nice gadgets. Nowadays, I want just a peaceful few hour to walk in the park with my family without any worrying about work or any other matters in life.
Most of the time, we are not present. Physically we can be there but our mind are not there. We are thinking of millions of things are this current moment of time except the current moment of time. We are taught since young to optimize our time.
I don’t know how to rest and relax anymore. These few days I was asking my wives, last time how do I spent my time during school holidays when I was younger not working? Nowaday, even taking some breaks, I felt guilty or not productive and not making full use of my time. I also felt sense of losses, too much time and don’t know what to do. I no longer know how TO DO NOTHING. I believe many others. Kids can do it, young time me can do it, but now I can’t. I am and many others I believe are too used to work work work weekdays and then rest only weekends, filling every single moment of your time with things to do. Kids don’t need to fill their time, they can find own things to do. They simply play with leaves they found on roadside.

Siao Liao. Reits Chiong. Buy or Bye?

Posted on July 11, 2024July 11, 2024 by careyourpresent

Long Green Bar for REITs today. Buy or Bye. Many of us must be feeling FOMO now! Scared boat leave!

Did you buy or bye? I choose do nothing first

Because I have already been buying for past few weeks…

Areit Mlog MIT FLCT etc. The purpose is for income, cheap you don’t buy, wait till expensive then you buy?

Earning your 1st dollar from the Internet

Posted on June 28, 2024June 28, 2024 by careyourpresent

It’s been a month since my last update

Well before I share about earning the 1st dollar from the internet, Let’s me provide some update about my site first.

It’s been a month since my last blog post. I was busy with many things in life which result in lesser time to write anything on my blog.

For the past month, I am busy with many things.

Usually, I slept at 1am and work at 6.30am daily.

I have to squeeze my time into the various items below:

Peak Period for Work with struggle of daily life with two kids. Woke up at 6.30am, prepare them to go school, then 830am start work, non-stop (no time for breakfast, then about 10minute lunch) before picking my primary school kid at 1.30pm, then rush back to work again, then pick the other kid at around 5pm, then work while prepare dinner, spent time with family till 11pm after they sleep, then finally some me time till 1am.
New House Renovation. I just got the key from my BTO. Yes, the recent CCS Tengah BTO and result in so much news and stories. I am also one of them who took up CCS, well so far, no issue after stress test for a day. Cross finger. Renovation is not cheap; shall I share something about renovation in future article?
Investment – Reits are dying (based on what many people said), heavy paper loss but with dividend Panadol. My portfolio also down but isn’t the interest rate uncertainty that makes the shares goes down and makes it lesser risk. Isn’t this the best time to buy when people are fearful? Didn’t many hope for Areit to be $2.50 as they have missed the COVID crash? It’s here now. Stock market is weird, people like to buy when it goes up, many are rushing to buy banks now while it is high. Anyway, I leave this for another update post on investment later.
Trading – Crypto. Airdrop. Recently I got two airdrops but quickly sold them off as the Crypto Market undergo a bear correction within bull. Earned about 2k usd+ in progress.
Harvested 1st MacDonald SBT with Free Nuggets
Medical issue – See Health is Your Most Valuable Asset – But human only regret after they lost it

https://x.com/careyourpresent/status/1805135872700084579

https://x.com/careyourpresent/status/1800486049690611990

https://x.com/careyourpresent/status/1803329812385374272

Earning Your First Dollar Online: Turning Dreams into Reality

Well back to the real part of this article…

Making your initial dollar online is a major achievement for many individuals as it signifies the transformation of virtual potential into real success.

By freelancing, selling goods, producing content, or providing services, the internet provides various ways to capitalize on abilities and concepts. The process usually begins by pinpointing a specialized area, establishing a presence, and actively seeking out opportunities.

Receiving that first payment is an exciting occasion, confirming that the online world can serve as a profitable avenue for generating revenue.

Do you dream of this every day? I don’t know about you, and I did.

How and why pursue this?

Earning your first dollar online is a thrilling moment, filled with more than just financial gain—it’s a profound sense of achievement and joy. In today’s digital age, the internet opens doors for turning passions and skills into viable income sources, making dreams tangible realities.

The Excitement of Pursuit

For many, it all starts with a dream—a desire to break free from conventional paths and explore the boundless opportunities online. Whether it’s freelancing, selling handmade crafts, teaching courses, or offering services, the internet empowers individuals to pursue their passions on their own terms. The journey may begin with uncertainty, but the thrill of starting something new and meaningful drives them forward.

Transforming Passion into Profit

Central to this journey is the ability to share passions and expertise. Picture a writer crafting captivating content for clients worldwide or an artist selling their unique creations to a global audience. Online platforms provide a stage to showcase talents and connect directly with those who appreciate their work. This direct interaction not only fuels creativity but also nurtures a sense of purpose and satisfaction.

Validation in the First Dollar

Earning that initial dollar online goes beyond a financial transaction; it validates effort and commitment. It signifies overcoming doubts and believing in oneself despite challenges. When that notification arrives—confirming payment for services rendered or a product sold—it sparks an indescribable rush of happiness and pride. It’s a moment where dreams take shape, proving that pursuing passions can lead to tangible rewards.

Embracing the Journey

Beyond financial gains, the emotional journey of earning online enriches life experiences. There are lessons learned and skills refined, as individuals adapt to market demands and discover their strengths. There are also connections made and communities formed, as online platforms foster collaboration among like-minded individuals. These experiences not only contribute to professional success but also promote personal growth, resilience, and determination.

THE JOY of first dollar.

Yes! It came today.

As usual, I would like to be transparent to all.

I just got my first payout of $20+ after running Ezoic since Nov 2023 last year. 6 months efforts for writing 2-3 articles per week?

I started this site using wordpress.com on 5 April 2022 with the main objective to share about cryptocurrency (you can refer to my first post).

Slowly as my site grows further, I have moved from wordpress.com to wordpress.org on 28 November 2022.

To run site, I need to pay for hosting fee, domain fee etc and of course with the efforts of writing articles.

Before this I am also running Google Adsense (so far only has around $100 sgd earnings, not yet cashout, treshold is $150. This value has not been going up since I added Ezoic. Not sure why). I have shared something on Google Adsense earlier.

Side Hustle: Google AdSense’s earnings for 1 week and is it worth to start a blog?

Too many efforts and too little return

WRITING and running a site with the Aim of earning money is not easy. Many efforts and perhaps with much little returns.

An article could take hours to write, but if no one read and not much ad income, quite sad right?

Hence, slowly for 2nd Q year I started to be lazy, instead of keep writing non-stop for 2-3 articles weekly, I will write only when I have inspiration, treat it more like a hobby and a journal for my future kids to read when they grow up.

To my surprise, actually I got $20+ today. Lol.

Anyway, this is my first DOllar online! Of course, this is way too little amount, but it’s worth celebration!

(Note, online income from interest and dividends I don’t count it in!)

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
No minimum balance account
No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

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

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

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

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

Save 50% of your brokerage fee and store your shares for FREE at CDP

Posted on May 19, 2024May 19, 2024 by careyourpresent

Custodian VS CDP

There were many interesting discussions in Investingnote on using FSMOne buy shares and then transfer to CDP for free.

I always thought many people know about this hack long ago.

I guess I was wrong.

In simple summary, just buy shares using FSMone, pay 50% less in commissions as traditional brokerages (for both Joint with Beneficiary account or personal account in FSMone) and then fill a form to transfer the shares to CDP for free or until FSMone remove this “free”. But this has been there for years! Hope they don’t remove. If FSMone saw this, please continue to have this feature 🙂

For the benefits of everyone, let me repost the articles that I have posted before.

—–I took this part from my old article —–

Background

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?

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?

—–I took this part from my old article —–

The Hack!

Everyone knows that many of the brokerages offering buy shares and kept in their custodian. But for many investors, many would prefer to put them to CDP.

For all the normal brokerages that link to CDP (means the buying and selling will be in CDP), every normal transaction of 10k worth of shares would cost about $30+ per transaction. However, if one use other brokerages like Tiger, Webull, Moomoo etc, the shares would be stored at their custodian account although the fees are much cheaper.

Best of Both Worlds

Is there the best of both world? Cheaper fees but shares still stored in CDP?

There are two options:

Method 1: Use DBS Vickers Upfront account. But this method can only be use for personsal CDP account. For those with Joint account CDP, this doesn’t work.
Method 2: Use FSMone to buy the shares. Then transfer to CDP for free (until FSMone change the rule). You will get cheaper commission of around $12-15+ per $10k purchase. Of course, the comms is $8.80, thus if you buy more, it would still be very cheap.

How to get this?

You can read some of my previous posts on this:

You can read the full write up here:

Cheapest and best way to trade Singapore Stocks with CDP

And the follow up posts here!

$0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!

$0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates!

Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Hope this hack has helped you save Money!

Deal 1:

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

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

Insured up to S$100k by SDIC.

Deal 2:

Best Items that I have bought from Shopee.

ONLY the best useful worthy items

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

Deal 3:

Webull – Get free money!

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

Deal 4:

Trust Bank New Clients

Sign up using referral code KNDBPEPT. Key in this code after you download the Trust Bank App from Trust Bank Website
No minimum balance account
No foreign transaction fee, great exchange rates when overseas. See my review via Trust Card – Excellent Card for overseas usage.

Deal 5:

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

I am using FSMOne.com to invest in funds & ETFs (including money market funds). FSM is good due to the low comms and the free transfer from FSMOne to CDP (typically takes less than a week to transfer). If you do not have an account, you can sign up here. Please use my FSMOne referral code: P0413007.

You can read my experience of how I buy cheaply using FSMOne and then transfer my shares to Joint CDP within few days via $0 Free of Charge Transfer of SGX Shares from FSM to CDP and updates! – Done in less than 3 days!
I am also using FSMOne as part of my Estate Planning Plan. You can read about this via Simplified Guide to the Key Gist of Grant of Probate and Estate Planning

Deal 6:

Eskimo – Best Option for Roaming!

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

You can read my review here.

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

When you are young and working, you exchange time for money. When you are old, you can have lots of money but you can’t buy time back, especially the things that you have missed (your strong health, time with young child) while busying striking out in career.

Your kids grew up and they no longer need you to accompany them. They no longer want to sit on your lap to share/do things with you…all these time you spent in your 9 to 6 or even longer cubicles…can the money that you have earned by you back these?

We always thought we have more time with our old parents, but we are wrong. Time with them is ticking away every day. One day it will suddenly be gone. There is no regret medicine, no reset in time. Gone is gone and cannot come back. No matter you are billionaires or millionaires, you cannot reset this.

We always thought that we have more time with our spouse every day, but we are wrong. One day they will be gone too. When you read this, please go tell your spouse that you love him/her and he or she is the best thing that you ever had in your life.

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

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

Health is Your Most Valuable Asset – But human only regret after they lost it

Posted on May 8, 2024May 8, 2024 by careyourpresent

We always thought that we are invisible. Tomorrow will always come. But sadly to say, regardless of how powerful, how rich, how smart you are, you will fall sick and you will die one day.

THERE IS NO EXCEPTION TO THIS. ME INCLUDED

We…Forget

Many of us, including myself always forget that life is fragile, including myself.

I keep telling myself that I need to care your present (that’s why blog is titled this), but I always fall into the trap of worrying about future, regret about past and not living in the present.

It’s not easy to get out of this loop.

Regretfully, sometime we need some health scare to remind us.

And I have two scares recently.

IT was reminder and a wake up call.

(1) First Sickness

I was well in early April. Suddenly, my tooth become very painful. I thought that this is nothing until it’s so painful that it affected my daily life.

Hence, I went to see a dentist and discovered that I need ROOT CANAL.

For those who are not aware of what is Root Canal, let CHATGPT tell you.

A root canal is a dental procedure used to treat infection at the center of a tooth (the root canal system). It involves removing infected or damaged tissue from inside the tooth, cleaning and disinfecting the area, and then filling and sealing it to prevent further infection. This procedure helps save teeth that would otherwise need to be extracted due to severe decay or infection. While it has a reputation for being painful, advancements in dental techniques and anesthesia have made root canals much more comfortable for patients.

Here’s a detailed explanation of the full root canal procedure:

Preparation: Before the procedure begins, the dentist will administer local anesthesia to numb the tooth and surrounding area. This ensures that the patient remains comfortable throughout the procedure.
Access: Once the area is numb, the dentist will isolate the tooth using a rubber dam to keep it dry and free from saliva. This also helps to prevent contamination of the root canal during the procedure. Next, the dentist will create an opening in the crown of the tooth to access the pulp chamber and root canals.
Cleaning and Shaping: Using small instruments called files, the dentist will carefully remove the infected or damaged pulp tissue from inside the tooth and clean the root canals. The dentist will use a series of files of increasing diameter to shape the canals, making it easier to disinfect and fill them later.
Irrigation: Throughout the cleaning process, the dentist will flush the root canals with an antimicrobial solution to remove any remaining debris and kill bacteria.
Filling: Once the canals are thoroughly cleaned and shaped, they are filled with a biocompatible material called gutta-percha. This material seals off the canals to prevent bacteria from re-entering and causing further infection. In some cases, a sealer is also used along with the gutta-percha to ensure a complete seal.
Restoration: After the root canal is completed, the access opening in the crown of the tooth is filled with a temporary or permanent filling material. In some cases, a dental crown may be recommended to strengthen and protect the tooth, especially if a significant portion of its structure has been lost due to decay or the root canal procedure.
Follow-Up: Following the root canal procedure, the patient may experience some discomfort or sensitivity, which can usually be managed with over-the-counter pain medication. The dentist will schedule a follow-up appointment to monitor the healing process and determine if any further treatment is needed.

Anyway, I spent about $2.5k with 4 visits. It’s suffering. Well health is important.
People never realized until they lose their teeth (my case).

(2) Sickness

While everyone is enjoying their Labour Day Holiday, I was enjoying myself in Accident & Emergency at hospital.

All of a sudden on that day morning, I have flashes in my eyes with lots of big floaters.

I had similar episode in another eye of mine 2017 and it was Retina Tear.

Hence, I went to the hospital, few hours of wait with money burnt – luckily there was no retina tear, just the jelly-like substance (vitreous) crystalized and didn’t pull off my retina.

But, this is my vision now. It’s difficult for me to even look at brighter things now (not bright thing).

Same but yet different.

Care Your Present

You won't know what would happen to you overnight. pic.twitter.com/aka2j1yKsT
— Edmond | Careyourpresent (@careyourpresent) May 3, 2024

Life is Short Treasure it

Life is short, treasure it.

I am lucky this time that it is not life threatening for my health scare.

But there are always someone somewhere out there suddenly has health issues, or worst still, drop death suddenly.

Many should have seen news on such cases. Of course, it could also be road accident etc.

What I want to say is

Don’t think your life as invincible and you will never die or fall sick.

No matter what, it may come one day and very suddenly.

Please live your life to the fullness, love your everyday and don’t regret any of your day. You never know when is your last day.

Few pictures that change my life.

Disclaimer (these pictures are not from me. Saw on X and on internet)

No one is immortal.

There is always a last time.

Last time your kids ask you to carry

Last time they climb on you.

Time is the ultimate wealth, not money. pic.twitter.com/OSMSS0q8wb
— Edmond | Careyourpresent (@careyourpresent) November 12, 2023

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.